We do a good amount of business with Veterans, and as Trump would say we love our Veterans, and Veterans love us too! Yes, they do! They really, really do love us! LOL!  Please don’t take this as an endorsement of either candidate, as I just thought it was funny. Why do we all have […]

All my dreams have come true! The Federal Reserve lowered interest rates, which are now .50% lower. The crazy part is that none of the bond and mortgage-backed security traders saw this coming, and now everything is .50 lower!   All kidding aside, everyone seemed to know that the Federal Reserve would cut rates this […]

Imagine this: You and your siblings inherit the family home. You love it – those cozy memories of holidays! But your siblings? They want cold, hard cash. How do you keep the house without staging a sibling brawl? Enter the trust loan, the financial superhero that lets you keep the property and buy out your […]

Happy Tuesday!  Debt-to-income ratios are one of the main factors when qualifying a buyer for a mortgage. When I started in the business, they used to tell us we could go to 28% on the front end (Principal, Interest, Taxes, and Insurance) and 36% on the back end (all other bills, credit cards, car payments, […]

I had a client come to me yesterday who is living in a condo, and they want to move up and purchase a house. The problem is that the hubby works under the table in a cash business and does not show income on his taxes. When they bought the condo, the wife had to […]