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“What are rates at these days?”

By far, the most common question I receive and the question that frustrates me more than anything.  Why is that?  Because “interest rate” may NOT be the most important question you should be asking.  I love the “rate shoppers” as well who get referred to me by previous clients or referral partners and all they want to hear is a rate lower than their previous phone call.  It’s like a challenge and they feel a sense of pride if they finally get the guy on the phone that tells him/her the rate they want to hear or the [below market] rate they

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3 Reasons Why You Should Consider Refinancing Now

If you missed the last refi boom or simply refinanced or purchased a home in the past 18 months, I’ll make this short and sweet: YOU NEED TO REFINANCE! Mortgage rates are at the lowest they’ve been since June 2013 and most experts are predicting this window of opportunity won’t last long. 1) Maybe you simply didn’t qualify in the past? There are number of reasons why people haven’t taken advantage of these historically low rates. For example, I’ve worked with clients recently who went through a Foreclosure, a Bankruptcy or even a Divorce that negatively affected their credit. But

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What You Should Know about Home Appraisals

Home appraisals are an essential step you must take when you’re purchasing a home. The appraisal process reassures the lender that you can sell the home for the amount of money you’re asking them to lend you. While many sellers will have an appraisal conducted prior to listing their home, many lenders will require that you secure your own appraisal before the sale can take place. What does an appraiser look for? During the appraisal, the appraiser will inspect the home to determine the following: The home’s exact square footage. The condition of the home and areas that may need repaired, such

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What You Need to Know About Balancing Divorce and a Mortgage

“A broken home.” It’s an all too common phrase that reflects lost dreams, broken promises and unanswered questions about the future. Going through a divorce is unquestionably one of the most difficult situations in life you may have to endure; however, you shouldn’t let your anger, pain or sorrow take over. If you do, you might make financial mistakes that will further compound your grief. In most cases, your mortgage will be the largest liability to divide. You will need to sit down with your spouse and your attorneys to carefully determine the possession, division of equity and any liability for repaying the mortgage. The following are

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Refinancing a Home? Be Sure to Learn the Myths

Refinancing a home isn’t much different than changing out the pitching roster mid-game. Where things might go great the first few innings, there may come a time when there’s a better option for changing conditions on the field. As rates change, your requirements might change with them, and there’s a lot of information you’ll need to sort through to determine whether making a change is right for you. Here are some common refinancing myths that abound in conversations around the dinner table, office and social gatherings, and what you need to know before you go through the debt replacement process. Myth: Refinancing a home will

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