A former client recently reached out to me for help. It seems he had lost my number and had gotten caught up in a refinance sales pitch from another company. “What could be so bad?” he thought. No out of pocket closing costs and a payment that, on the surface, seemed like it would save him money. But, within a year his principal balance had zoomed from $600,000 to $675,000! Read the rest of this entry

Unlike the days of 100% financing with no income or asset verification, there’s no question loans are tougher to get these days. But they’re still available if you can document your income, down payment, closing costs and cash reserves. If you know what to watch for and know how to play the game. Read the rest of this entry