I hope you had a wonderful long weekend! I know, I worked too! Lately, I’ve had many buyers asking about permanent rate buydowns, often because they can leverage seller credits to lower their interest rates. I’ve mentioned before that I’m not a fan of this strategy, and honestly, I hate it in this market! Like […]

Yesterday, a client reached out with some common yet critical questions about securing a home loan, prompting me to share these insights with you. As a Mortgage planner, I often encounter these inquiries, which reflect the concerns many face when navigating the home-buying process. For this blog, I’ll base the examples on a $1 million […]

Today, I’m sharing insights from a recent client interaction highlighting the challenges of qualifying for a traditional mortgage and why Non-QM (Non-Qualified Mortgage) loans, like bank statement loans, are becoming increasingly popular. Let’s dive into the case and explore how these loans can offer a faster, more flexible solution for buyers.   Yesterday, a past […]

As a loan officer, I’m your partner in accepting those offers, but let’s talk about what it takes to get a pre-approval that holds up under scrutiny. I had a client yesterday who came to me with a “pre-approval” from another lender. Sounds promising, right? Except they hadn’t provided a shred of income documentation and […]

Life is full of distractions. Whether it’s video games, TV, children, the mall, housework, kids’ homework, diapers, car troubles, bills, a part-time job, nails, hair salon, car wash, a significant other, spouse, or even caring for a parent – the list goes on. These everyday interruptions can quietly impact our work, especially for those in […]