Latest Articles

Finding a home and making an offer

In earlier posts we discussed finding the right lender and realtor. Now it is time to move on to the most exciting and sometimes nerve racking part of the home buying process. It is time to search for that home of your dreams and make an offer. Before hopping into the car with your realtor […]

WTF is happening with QM?

What is QM? In the aftermath of the global financial crisis, many new regulations were implemented designed to ensure that mortgage lenders made a reasonable good faith assessment at or before the closing of a loan that the borrower would have sufficient income to pay it back over time. Mortgages that complied were called qualified […]