Mortgage Rates and Fees Explained
Updated Oct. 24, 2014
I have been in the mortgage industry for several years. I have always taken a great deal of pride in the fact that my clients are always well informed every step of the way. In that spirit, I would like to explain exactly how mortgage brokers get paid and what that means in relation to rates and fees.. The Dodd-Frank Wall...

Banks/Lenders VS Brokers
Updated Oct. 9, 2013
Have you gotten a quote from a bank or correspondent lender recently? Did you notice that there was over $1,000.00 in closing costs? Did you know that the Dodd-Frank SAFE Act actually made obtaining a loan through a broker much safer and financially viable than through a traditional bank or correspondent...

No HARP, No Problem!
Updated Oct. 9, 2013
I have programs that can loan you up to 95% of the value of your home at less than 4% interest with NO monthly mortgage insurance.o 30 Year Fixed Rates under 4.00%o $0.00 Closing Cost Optionso Refinance up to 95% of your home's value witho No Monthly Mortgage Insurance or Additional FeesI just helped a family...

Upcomming FHA Changes...Watch out!
Updated Oct. 9, 2013
The FHA recently released another round of changes in Mortgage Letter 2013-04. You can find the letter at www.hug.gov. Here are the particulars- First, for all case numbers assigned after April 1st 2013 the MIP or Mortgage Insurance Premium will going up again across the board. For loans with a term greater than 15...