Author Archive for: Carl Smithers

About Carl Smithers

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Entries by Carl Smithers

Common Real Estate Scams And How To Avoid Them

Identity theft. Cybercrimes. Hacking. Phishing. We’ve all heard horror stories of how scammers use these tactics to take advantage of unsuspecting individuals. But they don’t stop there. Real estate transactions are one of the most common areas that criminals target. Why? Because there are large sums of money involved, usually hundreds of thousands of dollars. […]

Reduce Your Debt-To-Income Ratio

If you consider three to be a lucky number, then you’re in luck. Why? Because there are three key factors that play a role in determining your eligibility for a mortgage. You’re likely familiar with the first two – income and credit history – because these are the two that most often come to people’s […]

When Can I Refinance?

Now is the right time to refinance my mortgage, right? Well, maybe. There are lots of good reasons to trade in your old mortgage for a new one, especially with increasing home values and the current mortgage interest rate environment. But whether or not it’s the right decision for you depends on your unique financial […]

Tips When Shopping Mortgages and Comparing Lenders

You’ve undoubtedly heard the expression “Time is money.” When it comes to shopping for a mortgage, we’re going to tweak it slightly by saying “Time can save you money.” Putting in a little time and effort on the front end to compare mortgage offers can help you get the best deal and ultimately help you […]

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