Posts tagged as:

loan application

You should get Your Mortgage First

 When someone is thinking up buying a house, they rarely, if ever, wake up one day with the dream of getting a mortgage.  The dream is to own a home. So people start looking for a home first, and that is where the problems usually begin Here are the top 5 reasons to get your mortgage [...]

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Buying a house and financing it are two separate things

In this 4 minute video, I explain the critical difference and results you get when you separate your house buying from your mortgage shopping: Click to play

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Why Start With The House?

 For most of my clients, their mortgage payment is usually the largest check they write each month.  I’ve found that when I assist someone with their mortgage, that if they look at their mortgage in the context of their overall financial picture, they make better mortgage decisions, and better financial decisions.   If the Mortgage is [...]

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Mortgage Broker, Mortgage Banker, or Retail Banks

It’s a tough time to be a mortgage broker.  For the past few years, brokers have been blamed for everything from sub-prime loans, to predatory lending, to foreclosures.  At least they haven’t been accused of causing global warming (yet). As a result of all the bad press brokers received over the past few years, they [...]

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Can you roll closing costs into the mortgage?

I often get asked by home buyers and owners who are refinancing if they can ‘roll the closing costs into the mortgage’.  It is really two different issues, depending on if you are buying a house, or refinancing your current mortgage.  In this post, I’ll talk through the house buying strategy. Closing Costs when buying [...]

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