Lowering your overall expenses before you purchase a home will put you in a better position to qualify for a higher loan and possibly increasing your credit scores. Your debt-to-income ratio (DTI) = your monthly debt payments ? by your gross monthly income. Mortgage lenders use this number to measure your ability to pay back…

Stop waiting around and make a move to start saving. Lower your overall monthly payments, pay off high-interest credit card debts, or simply lower your interest rate. Today is a great day to consider new ways to save, and I can help. Refinancing now could help you reach your financial goals faster, and I have…

Have you heard? Mortgages are available at some of the lowest interest rates in years. If you’ve always wanted to own a home, now’s the time to give me a ring. I’ll help you find the lowest rates – and the lowest down payment (often as little as 3%). Plus who wants to shelter in…

Renting can have several limitations with pets. Create your own rules and own your own home. Get a mortgage home loan and get preapproved to purchase a home big enough for your fur baby or fur babies. Owning a home means you can now adopt the dog you always wanted, no restrictions, no extra fees!…

What’s a cash-out refi? It’s taking the money you’ve earned from your home – whether through paying down your mortgage over time or through an increase in your home’s value – and using it for whatever you want, like an upcoming vacation, college tuition, or maybe a home renovation! Interest rates are at an all-time…

Don’t wait for perfect credit to become a homeowner! FHA loans are backed by the Federal Housing Administration and are usually approved with lower credit scores, which makes them a great option for many first-time homeowners. No matter what your credit scores are, check-in with me to see what type of game plan we can…

Your credit score is one of the major factors in your loan’s approval and your mortgage rate. Quick fixes like disputing errors on your credit report, or paying off an overdue balance, can raise your score and increase your approval odds. We can help guide you in improving your credit scores to help with getting…

We are VA mortgage lending experts. Backed by the U.S Department of Veterans Affairs, VA loans are tailor-made for members of the U.S military and come with unique benefits like lower interest rates and no down payments. Are you a veteran or an active service member? We have several decades of experience with the VA…

When choosing a mortgage loan officer, choose someone that is the best. Choose someone who has years of experience, great reviews, recommended by others, and someone you can actually google and find. Put a face to who you’re working with and better yet meet them in person. No matter your goal, consulting a mentor is…

One surefire way to lower your debt-to-income (DTI) ratio is to pay off credit card debt, car loans, or other loans. A lower debt-to-income ratio will improve your financial health, and your mortgage loan approval odds. Also having a low debt to income ratio will give you a better chance of qualifying for a higher…