The Mortgage Process 10 Commandments

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  A lot of problems arise because a consumer doesn’t understand what’s happening behind the scenes of getting a mortgage. My mission is to change that!  Understanding that process, the timelines, and the guidelines more accurately can help you with a smooth and on-time closing. Since less than 50% of mortgage applications get to closing,
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My New Year’s Resolution for 2019: Let’s Be Nicer to Ourselves This Year!

New Year’s Resolutions feel like a good thing, but they’re not always good for our self esteem. Lose weight. Stop smoking. Eat better. What do they all have in common? There’s an element of beating ourselves up in every one of them. How about we try something different and be nicer to ourselves next year?
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Simple is better – My 2019 New Years Resolution

This year it feels like we’re getting ready for Christmas earlier than ever. Walmart had Christmas decorations up sometime in late September. What the HECK?!?! So I’m jumping on the bandwagon and making my New Year’s Resolution right now! “Simple is better” is my 2019 mantra! Technology is a Blessing & a Curse At this
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Should I Pay Mortgage Points?

If you are buying a home or refinancing, you have probably heard about “mortgage points.” This form of pre-paid interest can save you thousands of dollars over the course of your loan but in many circumstances is not worth the upfront cost. How do you know whether to pay points or not? Here’s a quick
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What can happen when you don’t trust your gut

Do you ever get that nagging feeling that something’s not right… that feeling deep down inside when your internal alarm bells are going off? Some people would say it’s a gut feeling. Others might call it intuition. But no matter what you call it, when it comes to buying a home, you should always trust
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5 Lessons it Took Me 14 Years to Learn

The kids heading back to school for the start of their new year makes me take a moment and look back at my year so far. I can’t believe it, but this marks my 14th year in the mortgage business… a crazy business with all kinds of ups and downs that I certainly never planned
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When You Just Gotta Have It

Sometimes there are things you’d like to have, but can live without. Other times, you just gotta have something. And you’re willing to move mountains in order to get It! Know the feeling? Last month we had a customer who simply HAD to have this one particular home. You see, this wasn’t their first try.
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Letter from the Heart: Finding Your Voice

Can you believe it’s March already!?!?!?! Where does the time go? Here are some things happening in my life right now that I hope will brighten yours. 😊😊 Opportunity lies outside your comfort zone It was Monday morning around 10 am. I’m sitting safely in the middle of the room for a sales meeting with
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Is Holding Your Client’s Hand a Good Idea?

Ed and Helen were referred by one of our awesome Realtor partners. They had purchased their home 25 years ago and were looking to downsize to a smaller home with less maintenance. They came to us extremely nervous about the process and how much has changed over the years. After all, getting a mortgage isn’t
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Important Changes in FHA MIP Calculations

FHA loans have grown substantially over the past decade, primarily because of the benefits that these loans offer to families with low to modest budgets. The perks to choosing an FHA loan, one that is backed by the Federal Housing Administration, are plentiful and include lower down payments, more forgiveness toward poor credit and the
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