Mortgages are often one of the most significant financial commitments most of us will ever make. Home loan interest rates are rising, so is it more important to focus on the interest rate or the total payment when shopping for a mortgage? We believe payment should be...

How Much Does it Cost to Hire a Loan Officer? The answer may surprise you. In short, whether purchasing or refinancing, hiring a loan officer does not cost you any more than going direct to a bank. There are a lot of reasons to have a loan officer work for you. Plus,...

The real estate market is cyclical, which means it cycles through times when it is a buyer's market and a seller's market. In a buyer's market, buyers have negotiating power for closing costs, purchase price and repairs. In a seller's market, home prices are driven up...

There are a lot of factors to consider when deciding how to pay for your mortgage. It's not a decision you should rush into without considering what's the most affordable option. Which is the best option for you? Here's a look at the pros and cons of both methods:...

Becoming a homeowner isn’t as easy as it seems. The true cost of homeownership involves several hidden factors and expenses beyond the typical down payment and monthly mortgage payments. Below are some potential expenses you need to be prepared for before owning a...

How do Property Taxes Affect My Mortgage Payments? Whether you're considering buying a home or are already a homeowner, property taxes are a major factor to think about when it comes to your mortgage. Property taxes are calculated by the county property appraiser’s...