28 Aug 2017

I have over a decade of mortgage experience and with that I have had many unique situations that I have handled.  I pride myself on being knowledgeable for my clients, and keep myself up to date on any regulation or guideline changes. I feel it is most important to be impeccable with my word and take the advice I give my clients very seriously.  I realize that while I may do this ever...

28 Aug 2017

Many clients think that the best way to shop a lender is by checking their rates.  The unfortunate reality of that is that cheaper is not better in the world of mortgages. I tell my clients to think of  a Mortgage Originator/Loan Officer like you would an Attorney.  If you were to be convicted of a crime, you could choose to use a Public Defender, or a high powered, knowledgeable Defe...

13 Apr 2016

There are a myriad of regulations and guidelines set forth by the governing entities for mortgage companies. You may have heard of such giants as Fannie Mae or Freddie Mac. What many people do not know, is that after they write guidance and rules for mortgage banks, that particular bank will oftentimes make “rules on top of rules” which are called overlays. So you may call one Bank an...

13 Apr 2016

There may be a variety of reasons to refinance your mortgage. The most commonly known is to reduce your interest rate. However, this does not always make the most financial sense as mortgage loans are amortized (if you are on a fixed rate term) 365/365 days. This means that you can in fact reduce your interest rate any time you want by making additional payments. That being said, if y...