Rate vs costs vs closing
Updated Oct. 9, 2013
When shopping around for a lender to do a refinance or home purchase with, most people have been trained to look for the "best rate with lowest costs". I am writing this to dispel certain beliefs and some important things to keep in mind when considering a home purchase or refinance.. First off is the "lowest rate"....

New mortgage in 2012?
Updated Oct. 9, 2013
With a New Year right around the holidays, it is surprising that more people do not look to refinance their existing mortgage loans. Why is this a good idea? Here are a few examples:. 1) Refinancing opens up extra cash flow. Beginning to search for a refinance loan in January can really help with the onslaught of...

Credit Scores
Updated Oct. 24, 2014
I'm sure everyone has seen the TV advertisements for access to free credit scores, but why is your credit score what it is?. I see many potential borrowers SHOCKED when they see their credit scores. There are the factors that everyone talks about like revolving account balances, late payments,...