Step One

To kick off 2012 I would like to help more people attain their goal/dream of home ownership. The first step you should take is finding out what your credit looks like. Credit plays a huge role in the approval process. Not only can bad credit keep you from purchasing, but simple issues like disputing accounts can cause delays. Also, credit scores that used to seem perfect are now not considered as "perfect." Scores as high as 740 can still pay adjustments in their rate or fees to the investors.
There is so much to find out, that you should be talking to a reliable lender months before you consider shopping for your first, next, investment or second home. Getting a full picture can help make the loan process much easier.
Feel free to contact me through my website or via comment on my blog about finding out more about your credit.

Time for New Resolutions!

I believe I am going to take a new turn with my blog. Instead of just posting opinions and ideas about the mortgage industry, I am going to make it an online educational course. For those of you who are looking to purchase your first home, move into a bigger home, downsize into something smaller, invest in real estate, or buy that second home you have always wanted, I am going to put the how to on this website. If you want to know about a particular topic, comment or email me. I will address it in my next blog.
This will be the blog for the do it yourself, Internet savvy, real estate driven person. I hope that my knowledge will help you grow and achieve your dreams.

Tomorrow's Blog: Where Do I Begin?

Labor Market Issues

The bond market is the benefactor of two items today. First is the Labor Market is showing signs of some issues. Numbers came out good, but are they believable? Time will tell. Also, the Fed is buying more bonds today than it had originally projected. Rates are good, maybe getting a tad better. What a great time to buy or refinance your home.