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Welcome to our site!

Thank you for stopping by our mortgage web site. Even though we have taken special care and consideration to pack this online resource with a wealth of knowledge about the mortgage and real estate process, we want y ...

8 Questions Your Lender Should Answer About Mortgage Rates

Simply checking online for today's posted rate may not lead to your expected outcome due to the many factors that can cause each individual rate and closing cost scenario to fluctuate. We can preach communication ...

How Much Can I Afford?

How much mortgage money can I qualify to borrow? This is typically the number one question mortgage professionals are asked by new clients. Of critical importance when considering mortgage financing: There is sometimes a difference between what a client ***can*** borrow and what they ***should*** borrow. In other words, what makes for a comfortable long-term mortgage payment? The Quick Answer: If we're simply considering the financial math, lenders will calculate your Debt-to-I ... Read More...

Four Possible Reasons To Refinance

A mortgage is generally the largest debt most homeowners have to manage.  It's a good idea to give your personal real estate finance portfolio a check-up at least once a year. Since there are many reasons a ho ...


Home Affordability Threatened By Friday's Jobs Report

This week, once more, we find mortgage rates are on a downward trajectory. Conforming mortgage rates have returned to near all-time lows. After Friday morning's Non-Farm Payrolls report, however, those low rates may come to an end. It's a risky time for home buyers and would-be refinancers to be wi ...
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Case-Shiller Index Says Detroit And Washington DC Lead The Market

Standard & Poors released its November 2011 Case-Shiller Index this week. The index measures the change in home prices from month-to-month, and year-to-year, in select U.S. cities. According to the data, for the second straight month, home values fell in 19 of the Case-Shiller Index's 20 tracke ...
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Supply Of New Homes At 6.1 Months Nationwide

New Home Sales slowed into the New Year but the market for newly-built homes remains strong. For home buyers nationwide, December's New Home Sales report is yet one more signal that the housing market recovery may be underway. According to the Census Bureau, the number of new homes sold in December ...
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5 Simple Ways To Declutter Your Home

When a home is listed for sale, its "clutter" can be the difference between a rapid sale and no sale at all. Clutter, in its strictest sense, is defined as anything untidy; or in a disorderly state. In real estate, the term is broadened to include unnecessary furniture pieces; unwieldy artwork or co ...
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Pending Home Sales Index Posts Second Best Month Since April 2010

After 3 consecutive months of growth, the housing market appears to have eased a bit in December. According to the National Association of REALTORS®, December's Pending Home Sales Index slipped 4 percent from the month prior. The index measures the number of homes under contract to sell nationw ...
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A Simple Explanation Of The Federal Reserve Statement (January 25, 2012)

Wednesday, the Federal Reserve's Federal Open Market Committee voted to leave the Fed Funds Rate unchanged within its current target range of 0.000-0.250 percent. The Fed Funds Rate has been near zero percent since December 2008. For the third consec ...
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