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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Not Your Neighbor’s Mortgage: What Separates You from the Mortgage Rate You Want

Neighbors Talking
Put your imagination hat on for a second. Imagine that you and your neighbor are both buying a house. The price is identical, and you’re both putting 10 percent down. Your lives and home buying scenario are nearly identical, except for one little difference — your neighbor’s credit score is a 741. Your credit score
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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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How to Protect Yourself When Securing A Home Loan: Two Inconsistencies to Prepare For

Image of hands protecting a house
Whether you’re practicing self-defense or trying to secure a home loan as a first-time homebuyer, you need to be prepared and knowledgeable to protect yourself. Without the right information or preparation, there’s no way to tell if a home loan or a loan officer is the right fit for you.  Mortgages vary. You could call
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