Living the Dream!

40 Points to live by:1.   Take a 10-30 minute walk every day and while you walk, smile. It is the   ultimate anti-depressant.2.   Sit in silence for at least 10 minutes each day. Buy a lock if you have to.3.   Record your late night shows and get more sleep.4.   When you wake up in the morning co...

Todays Featured Rates30 Year Fixed Rate Rate APR Points 5.825% 6.009% 0.000%15 Year Fixed Rate Rate APR Points 5.625% 5.849% 0.000%          Actual interest rates and APR's may vary based on credit history. These rates are effective as of today, Apr, 25 2008 and are subject to change. Please cont...

I have seen and used various online calculators over the year.Prior to being in the lending industry I thought that calculating a loan payment was easy. Principle and interest is fairly simply and I was excited to find out how low of a payment I could get.Then I owned my first home and realized t...

Todays Featured Rates30 Year Fixed Rate Rate APR Points 5.825% 5.955% 0.000%15 Year Fixed Rate Rate APR Points 5.500% 5.723% 0.000%          These rates are effective as of today, Apr, 25 2008 and are subject to change. Please contact me directly to recieve rates detailed to your specific loan pr...

Last night was our monthly event for the Young Professionals Networking group. It was held in O'Callahan's Restaurant inside The Shilo. We had a great turn out, about double the amount that showed up last time. There was a brief educational insight, (presented by this months sponsor: Intelligent ...

Sitting mesmerized here at my desk, looking out at a wall of white and reaching for a cup of hot coco, I  ponder on the events of the week and what needs to be wrapped up tomorrow.The snow is pounding heavily as the silver dollar sized flakes have now covered the grass. I shiver with a slight chi...

 Todays Featured Rates30 Year Fixed Rate Rate APR Points 5.750% 5.883% 0.000%15 Year Fixed Rate Rate APR Points 5.500% 5.723% 0.000%5 Year Adjustable Rate Rate APR Points 6.125% 8.858% 0.000%3 Year Adjustable Rate Rate APR Points 6.000% 9.898% 0.000%These rates are effective as of today, Apr, 22 ...

I hear from many different Realtors that they have buyers sitting on the fence, obviously waiting for pricing on homes to hit rock bottom. Here is some basic information on why buyers need to ACT NOW!   Is there 100% financing available? As we used to know it, no. In most cases the borrower will ...

What's Your FICO Credit Score? If you do not know the answer to that question then you could be in for a shock the next time you apply for a loan. In most cases, those who are in the dark pay for it.So what is the big deal? You credit report is basically a "report card" on how responsible you are...

Credit Reports Tattletale on your Finances5 Items you'll find on Your Credit ReportYou've applied for a loan at a bank or other lending institution.  You've done your research, filled out all of the required forms and you think you've meet all of their requirements.  All you need to the formal ap...