20% Down Not Always Best
20 Percent...the magic number for mortgages, right? Well, I am here to tell you that 20% down payment is not always best. Sometimes putting down less money can be better…
Headed for Another Housing Crash?
Want my opinion on whether we are headed for another housing crash? Well, either way you are about to get it. Today's post is just that, my opinion. It is…
Don’t Pre-Pay Your Mortgage Until You Read This
The American Dream is to buy a home and we incur a massive debt to make that possible. We are always told that debt is bad and so therefore the…
Mortgage Servicing Transfers
Have you received a servicing transfer notice in the mail recently? Trying to figure out what happened and what impact it has on you? Servicing transfers happen all the time…
Should I Refinance My Mortgage?
You hear the ads. You see the mailers. Refinancing can drop your rate. Refinancing can save you money! But is it right for you? How do you know whether or…
Why is My Fixed Rate Mortgage Payment Going Up?
Every year like clockwork (around Mar - June) I start to get phone calls and emails asking the question, "Why is my fixed mortgage payment going up?!" Maybe you are…
Ultimate Guide to Prepaying Your Mortgage
I believe I have two main responsibilities when assisting my customers when obtaining a mortgage. First, to provide them the best possible mortgage product and terms available to them. Second,…
Denver’s Housing Market Growing
If you currently own a home in the Denver area and have been considering selling, now may be the time! According to the Denver Business Journal the market is not only…
Mortgage Prepayment Strategy #3 – Bi-Weekly Payment
This is the third post for our Prepayment Strategy Series (check out all the posts in this series). Bi-Weekly Payments The bi-weekly prepayment strategy works for a couple of reasons.…
Mortgage Prepayment Strategy #2 – Tax Refund
This is the third post for our Prepayment Strategy Series (check out all the posts in this series). Tax Refund Now that 2012 is upon us many of us start…