low rate home loans

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Pssst…rates are going up

June 28, 2013March 6, 2019 By Diane Gerdes

OMG! The 30 year interest rates are in the 4’s. Say it ain’t so! How can this be?

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appraisals, do you feel lucky?

May 17, 2013March 6, 2019 By Diane Gerdes

Back in the ancient days of 2011 the soothsayers stated the housing market would NEVER improve. Now they are screaming our values have increased 50%. The truth is out there, but not in the media.

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Getting Pre-Qualified

May 14, 2013March 6, 2019 By Eric McAllister

Why should I contact a lender before I shop for a home?
The first step is to contact a lender to see if you qualify for a mortgage. Interview your lender first!

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The True Romance of Uncle Sam

April 12, 2013March 6, 2019 By Diane Gerdes

The shotgun wedding between Uncle Sam and the mortgage giants, Fannie Mae and Freddie Mac is going through a rough patch. There are two main reason relationships hit the rocks, sex and money. No, it is not sex because that would be weird. It’s money, too much of it.

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How Would You Grade Uncle Sam?

March 22, 2013March 6, 2019 By Diane Gerdes

Yes, schools are letting out for spring break (already!) allowing students to forget their grades, for a while. Uncle Sam never gets a vacation but he is good at ignoring his scores.

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Can a Leprechaun Buy a home in Arizona?

March 15, 2013March 6, 2019 By Diane Gerdes

Answer: Maybe. The Equal Credit Opportunity Act of 1974 prohibits discrimination in granting credit to individuals based on race, color, age, religion or national origin. Stature, mode of dress and jig dancing is not a reason to deny a home loan.

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and the award goes to

February 22, 2013March 6, 2019 By Eric McAllister

The award season is upon us. Although we all feel blessed the asteroid missed us, we all need a little excitement. Russia took the glory with the meteorite hitting their country. (What good are meteorologists if they can’t forecast a huge meteorite falling to Earth?)Doesn’t the economy need its own awards?

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Aliens control our credit

February 15, 2013March 6, 2019 By Eric McAllister

Aliens control our American credit bureaus. Not the tall green ones with sweet eyes, but individuals from other countries as far away as Chile. Last Sunday, 60 minutes broadcast an expose on the three credit bureaus, TransUnion, Equifax, and Experian. Although I work with credit agencies every day, I was shocked (yes, shocked) at the information provided.

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IS IT SAFE YET?

February 8, 2013March 6, 2019 By Eric McAllister

In the 1976 movie, Marathon Man, the character played by Laurence Oliver tortured a young, clueless Dustin Huffman and repeatedly asked Is it safe? We are asking the same question, is it safe?

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Mortgage Colonoscopy

January 18, 2013March 6, 2019 By Eric McAllister

Out With The Old, In with the New. Say hello to 2013 and the new world of mortgages. It will not be magical or fun. In accordance to the Dodd-Frank Act, the Qualified Mortgages final rule was released last Thursday by the Consumer Financial Protection Bureau (CFPB)…all 805 pages.

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