Is the best mortgage the one with the lowest rate?

Is the best mortgage the one with the lowest rate?

Mortgage clients always ask the same question, “I need the best mortgage rate, what rate do you offer?” While the client is always right, and I always provide the best rate and terms, I always tell them the importance of looking at the fine print when selecting a...
Thinking of Refinancing?

Thinking of Refinancing?

Here’s what you should know about Refinancing Whatever you do, please make sure you’re actually going to save some money before you refinance for a lower rate. We are currently in a time of record low interest rates compared to just a few years ago. If you...
What is a Home Equity Line of Credit?

What is a Home Equity Line of Credit?

What is a HELOC? A home equity line of credit, also know as “HELOC”, is a revolving line of credit which is secured by your home. You can borrow money up to the credit limit, which is usually a percentage of your home’s value. A HELOC is an option for borrowing on...
Understanding Your Credit Report

Understanding Your Credit Report

What is a Credit Report? A credit report is a history of how consistently you pay your financial obligations over time. It is created when you first borrow money or apply for credit. The companies that lend or collect money or issue credit cards (banks, finance...
Smart Ways to Use Your Tax Refund

Smart Ways to Use Your Tax Refund

Instead of spending your tax refund on consumer goods that have virtually zero value as soon as you get them home, consider using that money to help create future financial security. Here are a few smart ways to use your tax refund:   Pay down credit card debt.  If...