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 […]
We will be looking forward into April and the updates on some of the studies underway for drugs with a therapeutic response to COVID-19, like Azithromycin and Hydroxycloroquine. We stand hopeful and optimistic. On the economic news front, Initial Jobless Claims will be the focal point again when it releases on Thursday, April 9. Unfortunately, […]
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 […]
Are you a veteran trying to use your VA benefits? Unfortunately it is becoming common that banks take advantage of our brave veterans. In fact it is so bad, that it has become a national issue. If you’re looking for a very competitive rate and to perhaps save 1% on the interest rate that you […]
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 […]
What is a clean energy assessment, and what pros and cons are associated with it? Is it better to use a clean energy assessment or a home equity line of credit? A person that is doing a clean energy assessment loan is looking to do improvements like windows, doors, roofs, and other things that help […]
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