Here's The Problem: First Time home buyers constantly question why their mortgage payment is different from their friend or family members. Here’s The Answer Mortgage payments are determined by a number of factors the most significant being the interest rate. As a mortgage broker I know how your interest rate gets determined, and I think you should, too. Keep reading to learn the 7 most common factors that affect your interest rate. Credit scores Your credit score is... [read more]

The internet has drastically changed many industries and the real estate industry is no different. Home buyer’s and seller’s are able to get information in the comfort of their homes, however, much of it is inaccurate. Anyone who has bought a home, sold a home, or just looked at homes, has heard of third party websites such as Zillow and Trulia. Third party real estate websites are not local to every real estate market. These third party real estate websites provide estimates... [read more]

Don’t buy into the myth … that no business happens during the holidays. The holidays are a time of clear separation…separation between the serious buyers, and those who feel they have the time to wait. Many sellers believe that spring is the best time to place their homes on the market because buyer demand traditionally increases at that time of year, but what they don’t realize is that if every homeowner believes the same thing, then that is when they will have the... [read more]