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4 Things Every Borrower Needs to Know About Mortgage Brokers
Buying a home in Louisiana, whether for the first time or the last, is an exciting event. Yet before you even take a look at a single home for sale, it is a smart idea to have your mortgage financing lined up. While it is possible to get a home loan directly with your local credit union or bank, the most common mortgage-makers are mortgage brokers. If you are ready to apply for a home loan, here are 4 things you need to know about mortgage brokers before starting the process. A broker is a middleman Mortgage brokers act as go-betweens for you and many different potential lenders. Instead o...
June 20th, 2018 | mortgage brokers, 4 Things Every Borrower Needs to Know About Mortgage Brokers
Should I Rent or Buy?
While homeownership has long been the American dream, buying a home is not necessarily the best choice for every person or every situation. There are many factors to consider in determining if a home purchase is the right decision for you right now. Can you Afford It? If the cost to own a home – mortgage, homeowners insurance and property taxes included – if less than roughly 28% of your gross income and you have few other debt obligations, you can probably afford to buy. Do not underestimate the additional costs of maintenance though. Replacing appliances or paying for a plu...
June 14th, 2018 | Purchasing a Home, Should I Rent or Buy?
10 things I learned about life as I turn 40
This year I’m celebrating my 40th! Some of you reading this are thinking… my gosh I’d love to be 40 again. And others are thinking “man, that’s old”! 40 feels great! I don’t feel old. I actually feel… wiser is the term I’d use. And grateful! Looking back on how I’ve changed as I meet this milestone in my life, here are 10 things I’ve learned about life at 40: #1 - Be more forgiving - it seems like I ask for forgiveness all the time and when I hold a grudge, the only person it hurts is me! #2 - Be more flexible -...
May 28th, 2018 10 things I learned about life as I turn 40
I need YOUR help finding a new hobby!
Is it just me, or is there just not enough time in the day? It’s even harder when you’re the type of person who feels like they have to plan and organize everything… that makes it especially hard to relax and just have fun. Now, don’t get me wrong. I have some stuff I love to do. I LOVE my yoga classes. But as fulfilling as yoga is, you never really feel like I had “fun” when it’s over. I LOVE driving race cars at the NOLA Speedway. But that’s far away, really expensive and frankly not all that easy to do. And of course, I LOVE ou...
May 14th, 2018 I need YOUR help finding a new hobby!
Realtors: 3 little things are sabotaging your real estate business
A new client comes in to let you handle their real estate transaction. They don’t have a lender yet. You do what you’ve been told is the right thing… the ethical thing. You give them 3 business cards of lenders you have good relationships with. Heck, we might even be one of them. But that one little move is sabotaging your business and you don’t even realize it. You’re 2 cards away from getting what you really want which is for your lender to close the transaction in a high-touch, low-stress manner which makes the customer want to come back...
April 19th, 2018 Realtors: 3 little things are sabotaging your real estate business
Mortgage Lenders and Your Bank Statements: What Do They Look For?
If you’re considering buying a home, it’s important to make sure your finances are in proper order before you start looking for a house. Having your finances in shape, and well-organized is essential. You not only need to provide your taxes, proof of employment and paystubs, but also your bank statements. In fact, the bank statements are a very important element considered by mortgage lenders. However, many people are unaware of exactly what we lenders are looking for in these statements. Why Does the Mortgage Lender Want to Look at the Bank Statements? A lender wan...
February 21st, 2018 Mortgage Lenders and Your Bank Statements: What Do They Look For?