People often ask "when is the best time to buy?" or "when should I refinance?"

The best time to get financing is simple:

When you find a house you like,  are offered a loan that meets all of your needs and you can afford the payment, It is time!

I often hear "I want to wait for prices to come down" or  "I heard that rates might go down, I think I'll wait and see"  If you have found yourself saying this or something similar chances are your needs just were not met with what you were offered. Many "professionals" in this industry will just offer everyone the same scenario, it can be dissatisfying. The truth is that is an easy excuse, because if you think about it when prices come down, sellers aren't as negotiable and if you wait rates generally go up not down why risk it? I mean think about it if I really could accomplish all your goals, within your expectations, wouldn't you be happy? With all the changes every day, for many people the window of opportunity could be lost soon. The lenders continue to tighten lending guidelines, change income requirements, increase asset needs, and find ways to offset the ever lowering rates. So as rates get lower for most they are dramatically increasing for others with less than perfect credit history. Now there are still many programs out there for almost everyone, including self employed, poor credit, first time homebuyers, and even investors, but each day it seems the lenders are asking for just one more thing, or adding one new adjustment to the rate. At HomeMade Mortgage we Specialize in the Spokane market, and are commited to staying up to date with all the changes. We have been able to help many that didn't think they could get a loan, or thought debt consolidation wouldn't help. We are willing to take the extra time to look for the unique solution to your needs. We also offer free credit analysis, and help with improving your credit score!

WWW.HOMEMADELOANS.COM