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 […]

Today, I’m sharing a story from a conversation with past clients navigating a divorce gracefully and practically. The wife wants to stay in their current home with the kids, while the husband is moving out. This couple stands out because of their amicable approach – handling the split honestly and prioritizing their children’s stability. Let’s […]