You applied, you provided all the documentation the bank requested, and then you waited and waited only to hear that your loan was denied. What do you do now? There are a lot of factors that go into a lender approving your loan. The first thing you should do before you even apply is get pre-qualified! But, if you have already applied and been denied here ... Read More >

When it comes to your home it isn’t always easy to be objective. Making the decision to put your home on the market can be very emotional. Preparing your home to be sold can be exhausting. How do you know when it is the right time? Here are some points reasons to consider when evaluating whether to sell in 2019: 1. Rates are down-so buyers might want to act ... Read More >

The mortgage application process is intense there is no other way of saying it, but if you have all your documentation in order at the start of the process then you can help expedite the process greatly. Most of what you need comes from you but...there are some items that your mortgage loan officer or processor must request from the government to close your ... Read More >

The Federal Reserve announced, as expected, that they would raise the prime rate by .25%. Does this mean that interest rates on mortgages will increase? What does it mean for the average Joe? According to Dave Holding, VP of Production and Capital Markets at Mortgage Equity Partners, “while this would not mean that interest rates on mortgages would ... Read More >

1. No down payment VA loans can be 100% financed, meaning you don't have to save up for a down payment. Keep in mind, paying a small amount toward a down payment will save you money in the long run. 2. Affordable closing costs With traditional loan programs, you could pay anywhere from 2% to 5% of the home's purchase price on closing costs. With a VA ... Read More >

How do you know when your home is no longer meeting your needs? Your life events will be the best indicator. People who are just starting out have different needs than those of a growing family. In either case, you always have a choice to stay where you are and renovate or pack it up and move on. But did you know that there is a special home loan just for ... Read More >

When you are getting ready to sell your home there are many things to consider. The first and most important is the price for which it will be listed! The higher the better! Should you do a major home renovation project because you think you can gain resale value or should you let the next owner do the kitchen remodel? Given that the average kitchen ... Read More >