Farewell to 2024, Wishing you an Amazing 2025
As the year draws to a close, I want to take a moment to thank you for allowing me to assist with your mortgage and general real estate needs. It’s a privilege to earn your trust, and I’m grateful to…
The Fed Cut Rates
The Fed just cut rates. Does that mean that mortgage rates are lower too?” Not necessarily. The Federal Reserve directly influences short term rates like credit cards, home equity lines of credit, and some adjustable-rate loans, Mortgage rates are tied…
Understanding Closing Costs: What Every Buyer Should Know
Buying a home is an exciting journey, but it comes with its share of expenses—one of which is closing costs. Many first-time buyers are surprised by these additional costs, which can add up to thousands of dollars. As a mortgage…
Higher Loan Limits
Exciting News for Homebuyers: Conventional Loan Limits Are Increasing! 🏡📈 Starting soon, buying your dream home just got a little easier! The Federal Housing Finance Agency (FHFA) has announced an increase in conventional loan limits for 2025. These limits apply…
How to Prepare for Mortgage Pre-Approval
💳 Check Your Credit Score: your credit score has a big impact on the mortgage programs and rate available to you. Review your credit report, fix any errors, and if possible pay down large balances to improve your score. The…
Mortgage & Housing Update 11/17/2024
The inventory of homes for sale is up 28% year-over-year, which means choices for buyers! But 30-yr mortgage rates are back near 7%, which hurts affordability for buyers. It’s tough to think about making a move right now,. But don’t…
How to Prepare Financially for Buying a Home in the New Year
As the New Year approaches, many people set resolutions to achieve major life goals—and buying a home often tops the list. If you’re planning to purchase a home in the coming year, taking steps now to prepare financially can make…
Who Should You Talk to First: A Mortgage Professional or a Real Estate Agent?
If you’re planning to buy a home, you might wonder who you should talk to first—a mortgage professional or a real estate agent. Both play critical roles in the home-buying process, but the order in which you consult them can…
What Is a HELOC and How Does It Work?
A Home Equity Line of Credit (HELOC) is a popular financing option that allows homeowners to tap into their home’s equity to access funds for various purposes. Unlike traditional loans, a HELOC works more like a credit card, giving you…
How Do the Holidays Impact the Real Estate Market?
As the holiday season approaches, you might wonder how it impacts the real estate market. For both buyers and sellers, the holiday season can present unique opportunities and challenges. Here’s a look at some of the key ways the upcoming…
