You may be considering taking advantage of these historic low interest rates by refinancing your mortgage to lower your monthly payment, consolidate debt, save years of payments, or pull cash out for a cushion. The Mortgage Industry is doing an excellent job of processing transactions under shelter in place. But it’s more important than ever […]
The Covid-19 Coronavirus has led to some challenging times for all of us. The Government has created the CARES Act to assist homeowners whose income may have been adversely impacted by the coronavirus. One of the components of the CARES Act is the possibility of mortgage forbearance. Forbearance is often misinterpreted. Many people are mistakenly […]
You have probably heard that the Federal Reserve, also known as the Fed, has cut interest rates to ZERO on the Fed Funds Rate. There is a big difference between the Fed Funds Rate, which can change day-to-day, and a Mortgage Rate, that can stay in place for 30-years. Mortgage Rates are normally based on […]
Right now mortgage rates are near the lowest levels we have ever seen. There’s a good chance that we may be able to refinance your current mortgage into a lower rate and save you a meaningful amount of money each month. But did you know that you can also use your mortgage as a vehicle […]
Yes, rates are lower, but should you refinance? I’ll tell you what, there are lots of reasons to refinance aside from just rate. You know, homes have appreciated quite a bit, so if you’re paying mortgage insurance, let’s get rid of that and save you that money. And because we have seen strong appreciation over […]
The Bond market has been volatile and unexpected changes to mortgage rates can be worrisome. A sudden adverse change can cause an increase in your monthly payment that can last for a long time, and worse yet, can make it more difficult to qualify for a loan. This is why I spend time every day […]
Buying a home is one of the biggest and most complicated purchases you will ever make, but that doesn’t mean you need a large down payment to do so. It is a common belief that you need to put 20% down to buy a home, however this isn’t the case. The truth is, there are […]
Unsure of what an APR is? Can’t see the difference between an APR and an interest rate? These are important terms to understand, as they are key components of the mortgage process. First off, lets discuss what an APR is, and why it is important to the mortgage process. An APR can best be defined […]
What is a Home Equity Line? What are the pros and cons of a Home Equity Line versus a cash out refinance? Some of the pros for doing an Equity Line would be if you only need the money for a short-term basis. In addition to that, it is very quick, and there is hardly […]
One of the biggest myths within the mortgage industry is that you cannot get an FHA loan if you have owned a home in the last three years. However, that is not true. Even if you own a home right now and are selling that home in order to buy a new one, you can […]
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Unlock the Secrets of Florida Mortgages. We’re excited to take your mortgage knowledge to the next level! With the ever-evolving landscape of real estate and financing, understanding Florida mortgages can be a daunting task.
That’s where Melinda comes in! With her expertise and passion, she’ll guide you through the ins and outs, ensuring you’re well-equipped to make informed decisions.
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