Mortgage lending can be highly complex, which often leads to confusion and frustration among consumers. Interest rates are a perfect example. While many organizations advertise extremely low rates, you don’t always get these low rates,
It’s no secret that interest rate matters to the total affordability of your loan. Borrowers, lenders, real estate agents, lending professionals; everyone in the mortgage and real estate industry is aware that interest rates matters.
Within 24-48 hours the national media will begin reporting mortgage interest rates are on the rise. This is exact the opposite of what has been reported for the past 2 weeks. Rates have been
There are many factors that impact the total cost and monthly payments on your loan. One of the most important is the interest rate. While a single percentage point may not seem like much, over
Whether you are borrowing money for a new fridge or a million-dollar home, you will likely come across the term “APR.” You hear it on auto commercials and on signs for furniture stores; you’ll also
When we think of loan qualification, we think of credit scores, debt-to-income ratio, and annual salary totals from a steady career. We rarely think of the money locked in an Investment Retirement Account (IRA), 401(k),
Buying a house is one of the biggest financial estimates most of us will ever make. As you get older, the idea of purchasing a home shifts slowly from a daunting expense to an essential
In 1958 Puerto Rico created the first condominium legislation, effectively making Puerto Rico the first place in the Unites States to start building condominiums. The state of Utah adopted condo legislation in 1963 and by
There comes a time when it’s time to move. Whether you’re staying in the same neighborhood or you’re moving several zip codes away, what to do with your home is an important consideration. Many simply
No one really enjoys paying taxes yet without taxes we wouldn’t enjoy the public services taxes support. We all know that but still if we had our choices we’d probably say we want both public
Appraisals are funny things. Well, not exactly hilarious but they are viewed differently at different times by different people. For example, a seller wants to get the most out of their home as possible and
Chad Baker
Originating Branch Manager
NMLS #329451
858-353-8331
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