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It's Almost Tax Time - Turn Your Tax Refund Into A Down Payment

Wednesday Oct 18th, 2017

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I spoke with 2 clients this week and another 2 or so in the week past. They all had the desire to purchase  homes in the immediate future. All were otherwise qualified, but lacked the funds for a down payment. They did not meet the criteria to obtain down payment assistance. Obtaining the funds from their 401K, borrowing against the cash value on an insurance policy, or obtaining a gift from a family member were also not options. During these conversations the potential buyers became... [read more]

Attention Black Women - Why Your 401K Won’t Be Enough

Friday Sep 29th, 2017

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Over the years I have had several conversations with friends and family members whom thought they would be secure in retirement because they have their 401(k). However, by way of my profession I was able to determine that for most women their 401(K) would not be nearly enough during retirement. As my peers and I have aged I see many of them are starting to di scover what I’ve known for quite some time - their 401K will not be enough.   Your 401(k) is a great way to start... [read more]

Foreclosure v.s. Power of Sale

Tuesday Dec 27th, 2016

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In the unfortunate circumstance that a homeowner is past-due on their monthly mortgage payments, they pave the way for a “foreclosure” on their property. In today’s market, banks and other lenders do not turn to foreclosure to take away the homes of homeowners who are in arrears. Instead, they perform a "Power of Sale" which is wholly different from a Foreclosure. What is a Foreclosure? Foreclosures are laborious, grueling, and costly to both the... [read more]

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