Welcome to our site!

Thank you for stopping by our mortgage web site. Even though we have taken special care and consideration to pack this online resource with a wealth of knowledge about the mortgage and real estate process, we want y ...

8 Questions Your Lender Should Answer About Mortgage Rates

Simply checking online for today's posted rate may not lead to your expected outcome due to the many factors that can cause each individual rate and closing cost scenario to fluctuate. We can preach communication ...

How Much Can I Afford?

How much mortgage money can I qualify to borrow? This is typically the number one question mortgage professionals are asked by new clients. Of critical importance when considering mortgage financing: There is sometimes a difference between what a client ***can*** borrow and what they ***should*** borrow. In other words, what makes for a comfortable long-term mortgage payment? The Quick Answer: If we're simply considering the financial math, lenders will calculate your Debt-to-I ... Read More...

Four Possible Reasons To Refinance

A mortgage is generally the largest debt most homeowners have to manage.  It's a good idea to give your personal real estate finance portfolio a check-up at least once a year. Since there are many reasons a ho ...


Sellers Market vs Buyers Market?

I have experienced a huge change in our local market over the last 30 days, that makes me believe we are moving out of a buyers market and into a sellers dream! Multiple buyers are typically writing contracts on homes and sellers are getting ask prices with fewer paid concessions (signs of a sellers market). Now is the time to educate buyers that t ...
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FHA Mortgage updates and Gfees hit the market in April 2012

FHA is increasing the mortgage insurance premiums once again starting next month. The new fees will be 1.75% on the Up Front Mortgage Insurance Premium (UFMIP) for most FHA mortgage and 1.25% annually. This increase, equates to about a $4-$7 increase per month to the average FHA borrower. While this ...
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Seven Things Your Agent Should Know About Your Mortgage Approval

While many experienced real estate agents have a general understanding of the mortgage approval process, there are a few important details that frequently get overlooked which may cause a purchase to be delayed or denied. New regulation, updated disclosures, appraisal guidelines, mortgage rate pric ...
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Do I Need To Sell My Home Before I Can Qualify For A New Mortgage On Another Property?

Although every situation is unique, it is not uncommon for homebuyers to qualify for a mortgage on a new home while still living in their primary residence. Perhaps you are outgrowing your current house, or have been forced to relocate due to a job ...
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What Do Appraisers Look For When Determining A Property's Value?

Most people are surprised to learn what appraisers actually look at when determining the value of a real estate property. A common misconception homeowners generally have is that the value of their home is determined after the appraiser has completed their physical property inspection. However, th ...
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Where Does My Earnest Money Go?

Hey, I gave my real estate agent a $5000 Earnest Money Deposit check... Where does that money go? A basic and very obvious question that most First-Time home Buyers ask once their purchase contract gets accepted. According to Wikipedia: Earnest Money - an earnest payment (sometimes called earnest money or simply earnest, or alternatively a good- ...
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  • Citywide Home Loans

    Randy Reed

    NMLS 278757

    COMB 100015425

    Regulated by the Division of Real Estate