I hope the week is going well, and thank you all for the birthday wishes yesterday! Every year, it’s so nice for people to think of me on my birthday, and I should do more of that during the year, but I don’t! So happy belated birthday to all of you who have had a […]

I hope you had a wonderful weekend and a great Memorial Day. We honor those who have done so much and lost their lives trying to make our lives better!   I like to remind people after the first warm weekend that this is Ice Cream season, and those of you who work with a […]

A few things we hear pretty often as lenders are: Do you have a good appraiser that can bring in the appraisal Can you get an appraisal waiver on this property The house has no flooring and other health and safety issues. Can we take out a conventional loan? We will start at the top […]

We have reached the halfway point in May, and change is in the air. We are starting to see interest rates back down to the levels we were at in April and nearing the lowest levels since May of last year. Inflation is still the key reason rates have not dropped further, but I am confident we […]

I will go a different route today as I am teaching a bit today. Qualifying for a loan can be difficult with higher interest rates, higher insurance rates, and low inventory.   Debt-to-income ratios have not changed, and they sit at 47/56 for FHA financing, 50/50 for most conventional loans with good credit, and 45/45 […]