Remember What Caused It

In late-November, the Federal Reserve pledged $600 billion to buy mortgage-backed securities.  The announcement drove down mortgage rates and started the ‘first’ Refi Boom.
Then, the Federal Reserve made a second series of statements after its scheduled meeting last Tuesday, causing mortgage rates to plunge again.  This started the Refi Boom’s second wave.
Because […]

Be Smart.

We Understand,  Mortgages Aren’t Your ‘Thing’
What seems common sense to a lender, isn’t so common sense to a consumer. I understand that. That’s why it’s important to know what to avoid doing when getting a mortgage. There are many ‘deal killers‘ out there, but I want to touch on the major […]

Let’s face it, when you are looking to buy or sell real estate, you have PLENTY of options on who to work with (1,700 or so in Des Moines.. no, I’m NOT kidding!).  This is why I think this is a post that is extremely important.  If you dig deeper, you’ll find a lot of […]

Just as there are things to avoid doing during the mortgage process, there are also things to keep doing during the process.  Here’s a quick list:
DO  continue making your mortgage or rent payments.
DO  stay current on all of your existing accounts.
DO  keep working at your current employer.
DO  keep your same insurance agency.
DO  continue living […]

If you are ever planning on getting a mortgage.. please read on!  This advice may seem very obvious to you, however every one of these tips at one point has resulted in a client not being able to close on a home when applying for a mortgage.  If you follow these basic steps, you’ll be […]