Latest Articles

The Value of Hardscaping at Your Home

Curb appeal is one of the biggest factors when selling a home. Keeping the exterior of your home tidy and aesthetically pleasing can keep your neighborhood beautiful, encourage other homeowners to take pride in their homes, and attract more buyers if you are trying to sell. While something as simple as a neatly cut lawn […]

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 […]

WTF is the Total Interest Percentage (TIP)?

You see it staring back out at you on page 3 of the Loan Estimate. Big and glaring. Total Interest Percentage (TIP). And the percentage is huge! Something crazy like 69.45%. And you thought the interest rate was something in the single digits, right? Total Interest Percentage is the amount of dollars paid in interest over […]