• Once upon a time, in a real estate market far, far away, you could be a deceased dog with no job and bad credit and still qualify for a home loan. For better or worse, those days are gone (and I’m…   Read the Article

  • You worked for years to improve your credit score. You saved every penny you made and then moved in with your parents to save a few more. You surfed real estate listing sites until your Chihuahua…   Read the Article

  • Everyone thinks about how hard the credit crunch has impacted homebuyers. We hear horror story after horror story about buyers who were in escrow when their loans fall apart. But no one really…   Read the Article

  • You’ve already heard the bad news. The housing crisis has tightened up credit markets, and it’s harder to qualify for a mortgage loan. Credit scoring has always been an important part of the loan…   Read the Article

  • Every wanna-be homeowner knows by now that they must get pre-approved before trying to buy a home. The Client. So after my get-to-know-you sit down with a particularly motivated new buyer, we went…   Read the Article

  • It was not so long ago that the term “short sale” was about as familiar to the average American as a novel written in hieroglyphics, while “foreclosure” was a thing that happened infrequently and…   Read the Article

  • As the eco-friendly housing trend continues to grow, mortgage lenders are jumping on the green bandwagon. Many lenders are starting to offer bigger loans or discounts to buyers who choose to make…   Read the Article

  • Running around from lender to lender in search of the best terms for your mortgage loan can be confusing and time-consuming. Plus, there are deals out there that you, a finance-industry outsider,…   Read the Article

  • These misuses are so common that you need to know them in order to know what the people around you are talking about! I'm in foreclosure. Lenders don't foreclose on people, they foreclose on homes.…   Read the Article

  • For each point you agree to pay at closing, the lender agrees to reduce the interest rate on your loan by a set amount, generally an eighth to a quarter of a percent. This is why paying points is…   Read the Article