Mortgage loans come in many forms, including adjustable-rate mortgages, which are often called “ARM loans.” These loans have a unique structure that allows the interest to go up or down alongside current rates. Instead of
Refinancing a mortgage loan can have many benefits, but homeowners often delay this step because they may be comfortable with their current mortgage, don’t know how to proceed, or don’t understand the right times for
Many variables go into a mortgage loan. Credit scores, debt-to-income ratio, property values, and borrower income are all considered when writing a loan. One of the most important factors is interest rates. When interest rates
Homeownership. It’s the American dream, the symbol of stability, security, and prosperity. It’s one of the staples of living a financially-secure life, and one of the pillars that supports the American economy. While people may
Amortization is an important term in real estate lending, but one that is not well understood outside of people working in the industry. This concept has an impact on payments for fixed-rate loans, but not
Freddie Mac’s Home Possible mortgage program allows borrowers to buy a home with a smaller down payment, which is a major barrier for many would-be homeowners. The program is versatile and flexible, opening many forms
Tax reform is one of the most important topics in real estate, finances, and personal savings. While the exact effects of the bill have yet to be seen, there are a few things we’d like
The Federal Reserve has increased interest rates for the third time this year, a move that shows growing confidence in the state of the economy. The benchmark federal fund rate is moving up a quarter
It’s everyone’s favorite topic! Taxes…with a sprinkling of politics, just to keep you interested! Okay, it may not be exciting, and at times it can be confusing, disheartening, and downright frustrating, but the subject remains
Mortgages come in many forms. When you start looking at all the different types of loans, it can be fairly overwhelming. You’ll find 30-year, jumbo, conventional, VA, balloon, USDA, and more; navigating it all can
Chad Baker
Originating Branch Manager
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858-353-8331
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