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The most common reason people refinance their home loans is to get a lower mortgage interest rate, which makes sense because it lowers your monthly payment and helps you save money each month. We have seen record low rates throughout the past year, which has sparked a refinance boom unlike any we have seen in the past …

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Identity theft and fraud are responsible for the loss of billions of dollars each year. Fraud can happen when someone uses your credit card to make purchases without your permission. However, identity theft is more complex. When someone steals your identity, it means that they got a hold of your personal data, such as …

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When inventory is low, and demand for housing is high, buyers compete for the same property, and things can get crazy. How crazy, you ask? According to realtor.com, it is not unusual to see a home with 20 or 30 offers on it and sales prices at $50,000 to $100,000 over asking. It is easy for an emotional buyer to get …

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What is RefiNow? Fannie Mae recently released their new RefiNow program. RefiNow is a government-backed program created to help low to moderate-income borrowers take advantage of the historically low-interest-rate environment. This program expands eligibility to help more homeowners refinance their mortgages. In …

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Understanding cryptocurrency and its effects on the housing and mortgage industry Cryptocurrency is all over social media and the news, but what is it exactly? It is a type of currency that gives digital files monetary value so that they can be exchanged online to buy goods and services. Cryptocurrency uses …

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