30 Year Fixed Rate 2nd Mortgage!

Check out this 30 Year Fixed rate HELOAN (Home Equity Loan)!  You can use it for any personal reason; however, the homeowners that have most recently taken advantage of it had accumulated high credit card debt, which the HELOAN paid off in full at a much lower rate...

What is a Buydown?

There are two definitions in the mortgage industry for a buydown. One is most common and simply means the borrower pays points to buy the rate down for the life of the loan (a one-time upfront cost for a longer-term benefit). You can refer to my blog post here where I...

My 21st Year in the Business!

Today is my 21st anniversary in the mortgage business! I’ve been through quite the ups and downs, from rates being 8.0% when I started, going through the credit crunch era/housing bubble burst of 2008, the wildly low 2%/3% rates of 2020 and 2021, and now the...