Over the past few weeks, mortgage rates have climbed to their highest levels since September, leaving many buyers wondering what is driving the increase. When geopolitical conflicts or military actions begin, financial markets tend to react quickly. Mortgage rates often move as investors reassess the potential impact on the global economy. Right now, the concern […]

With tax season approaching, we are about 35 days away from the tax filing deadline before extensions. Now is actually one of the best times of the year for real estate agents to talk with clients about homeownership. Many buyers are on the fence right now. Rates are hovering around 6%, affordability is tight, and […]

I hope everyone is doing well. Today’s blog will start with a quick lending tip and then move into a longer message that’s been on my mind. From a lender’s perspective, a few things can sometimes complicate or slow down a transaction if they are written into the contract unnecessarily. The first one is termite […]

In today’s market, qualifying a buyer is not always about credit scores or down payment. Sometimes the challenge is income structure. Recently, we worked with a buyer who had strong credit, solid assets, and responsible financial habits, but hubby has a new business that is doing well, but we don’t have a full year of […]

Yesterday I had a conversation that reminded me exactly why I’ve been doing this for 35 years. A client was referred to me who was going through a divorce. She has been married for more than 15 years. Four minor children at home. Stay-at-home mom. Homeschools three of the four kids. No income of her […]