Your Situation is Unique: No One-Size-Fits-All Loan Program
Why There’s No Single “Best” Mortgage Rate I’m often asked, “I’m looking to purchase a home or refinance to save money—what’s your rate?” The reality is, there is no single rate that applies to everyone. Your loan program and rate depend on several factors, including: Each of these factors affects the interest rate and loan […]
The Stress of Debt and Building Wealth
Managing Debt and Financial Stress Financial strain is one of the biggest stressors in a household. Inflation has affected everyone, with the cost of gas, groceries, and everyday essentials increasing. As a result, many households are turning to credit cards to cover expenses, leading to rising debt burdens. Mounting bills and credit card balances can […]
The Fed Isn’t the Only Driver of Interest Rates
Rates Are Controlled by Market Conditions, Not Just the Fed Many people believe that mortgage rates are solely determined by the Federal Reserve. The media closely follows every announcement from the Fed, shaping public perception about what will happen next. But did you know that mortgage rates move daily, independent of when the Fed makes […]
Why Buying or Refinancing Now Makes Sense
MARRY YOUR HOME, DATE THE RATE: Why Buying or Refinancing Now Makes Sense What did you just say, Jeff? Now is the time to purchase a home? Now is the time to refinance even though rates have gone up? You are crazy! Well… maybe for other reasons, but not for these two. Let’s break down […]
What to Expect in 2025: Housing, Interest Rates, and Inflation
Well, 2024 was a very interesting year. As I wrote in the 2024 New Year article, rates came down a bit, but not as much as forecasted. Meanwhile, home prices continued to rise, despite many predictions that they would decline. With a new President starting this month, let’s talk about what 2025 will bring. Housing […]
Your Credit Score is So Important
Your Credit Score is So Important… You Can Help Yourself! So many people ask me, “What is the rate? What program do I get?” Well, as I have written in the past, everyone’s situation is personal and unique. Before I get into the lending side, I want to remind you that your credit score doesn’t […]
