Mortgage Terms: You have more options than 15 or 30 years!

Mortgage Terms 10, 15, 20, and beyond
Timing is everything when it comes to home loans, from knowing how long you have to close in order to secure your ideal rate to understanding the differences in mortgage terms. Loan terms are easy to identify. For example, a 30-year, fixed rate mortgage has a term of 30 years. However, determining what term is
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How Time Affects Your Mortgage Rates

Mortgage Rates and Time Image
Let me tell you a story about mortgage rates. Before I started my career as a home loan officer, I considered myself to be a very smart and educated buyer. When my husband and I were in the process of purchasing our second house in the 1990s, I called at least 10 different lenders. I
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Mortgage Pitfalls: Explaining Why Advertised Mortgage Rates aren’t Always What You Get

Ad for Mortgage Rates
When was the last time you encountered something that seemed too good to be true? Unless you got lucky, I’m going to go out on a limb and assume that it really was too good to be true. This is often the case with advertised mortgage rates.  The most common pitfall I encounter as a
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Home Loan Success Requires Becoming a Flexible Buyer

Flexible woman doing a backbend
My husband and I were on one side of the desk, and the builder was on the other. We were buying our first house together. I said, “We need the payment to be $500 a month because we’re paying $400 now and I know we can afford $500. I don’t mean $520 or $550. I
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Home Loans and Teamwork—It Makes the Dream Work!

Trying to get pre-approved for a mortgage? Seeking to understand the mortgage pre-approval process? Looking to buy your first home? Whatever your home loan goals are, it will take a team to accomplish them. Think of your home loan process as a puzzle. There are many pieces, and they must all fit together in order
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The Mortgage Process 10 Commandments

10 Commandments Thumbnail
  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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Reaching our Goals and Dreams!

Do you have goals and dreams? I’d love to hear what they are! Some people don’t realize that goals & dreams are NOT the same thing. A dream is something that makes you happy… an idea or vision of something you could have, do or achieve. Maybe by yourself or maybe with others. But a
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The Top 3 Things Podcast Audiences Want to Know

I’ve been fortunate to be a guest on quite a few TV shows & podcasts over the last couple of years since launching my book Mortgage Peace. It seems like no matter what platform I wind up on, there are 3 things that just about everyone’s audience is interested in. The reason? It’s a numbers
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How VA Mortgage Loans Balance the Playing Field

One of the many challenges facing our country’s men and women of the uniform is adjusting them to life after they complete their service. While those who never joined the U.S. military are able to work up toward making a down payment on a home over time, veterans were serving during that time. They may
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What 7 Million People Can’t Seem to Figure Out

This will blow your mind! There are around 14 or so million people, at least in a year that apply for a home mortgage, but only half ever get to a closing. HALF! That’s 7 million people a year who get turned down for a mortgage loan! It frustrates me to no end because I
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