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Should you Float, Lock, or just Give Up?
As a Certified Mortgage Planner I always try to help my clients understand how their home works as an investment.  In today's market Home Owners and First Time Home Buyers need to look at their home as a long term investment.  You can buy at reasonable prices and get locked into a reasonable rate.  Working a plan for the future with a Mortgage Planner you will be able to get your investment to perform over the long term.  During the last 10 years we have seen the consumers spend their equity and have sacrificed their financial future.
I feel we will see interest rates dip for a little while but if First Time Home Buyers are gambling on hitting the low for both rate and home prices they are going to loose.  Even the experts cannot hit the low. 
If you have any clients out there that are wasting your time shopping without knowing their financial options, you need to get them with a certified Mortgage Professional. 
Ron Yarbrough - Kansas City Mortgage Expert
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