Why a Historic Home Is a Different Animal Every borrower is different, and a historic home is an important part of that reality. When someone tells me they...
What a government-sponsored enterprise (GSE) actually is Your loan doesn't get financed because a bank happens to have cash on hand that morning. One...
What You Need to Know Before Signing on the Dotted Line Okay, here's the deal. You have spent weekends driving around neighborhoods, looking at listings at...
Understanding How Credit Scores Work Before Diagnosing Drops Credit scores function as financial report cards that lenders use to evaluate how reliably you...
Start With Your Timeline, Not the Rate The first question I ask anyone weighing a mortgage in a rising-rate market is not whether to lock or wait. It's how...
The Short Answer, and Why There Isn't Just One Number Every borrower situation is different, and a $200,000 mortgage is a good example of why. People ask me...
Why the Cash-In Refinance Math Has Changed for Today's Borrower Any refinance decision starts with time horizon, not rate. How long will the borrower live in...
Why the Closing Disclosure Is the Most Important Form You Will Read Your mortgage rate is not determined by the Closing Disclosure. When you secured the loan,...
Where the Country Is Moving, One Town at a Time Ask people to name a booming city and you’ll hear the usual suspects: Austin, Phoenix, Nashville. Reasonable...
I've been originating loans for manufactured homes since I was 18 years old, and the foundation question trips up more borrowers than just about anything else....
