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RECENT BLOG POSTS
Once your loan package has been sent to the lender, there are a number of things you should avoid doing that will change your financial picture. Remember, the lender is looking for stability and consistency. If you want the best interest rate, keep that in mind. Here are a few things to consider...
06/18/2009
Some help for those who need it the most... Thanks to HelpfulHannah for sharing this info. Reading how unemployment is on the rise I worry about the folks who don't know where to turn for assistance. I was in the local bank yesterday where an older woman had over drawn her checking account and ha...
06/18/2009
Did you know that all residents of the US have the right to obtain one free credit report from each of the three credit bureaus per year? Since your credit score is more important than ever due to today's tightening credit standards, it's the perfect opportunity to take advantage of this benefit...
06/12/2009
  Once your loan application is filled out and sent to the underwriter for review, the first thing they will look for is your ability to payback the loan you are requesting. My team and I have a streamlined loan process to help you get your ducks in a row prior to this review. A grand slam loan ...
06/10/2009
The headline story is that values for the country as a whole have continued to decline. However, looking at the market on a state by state basis reveals a different story as there are many exceptions. Following are a few points to keep in mind when you listen to the news.1. For the first quarter...
06/08/2009
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When it comes to buying a home, consumers can no longer shop for a mortgage based simply on lowest interest rate quotes. Today's home buyer needs good advice from an experienced, educated mortgage professional who has the consumer's best interest in mind. For consumers, this means beware of anyo...
06/05/2009
Points are up-front fees paid by the borrower to obtain a better interest rate on a loan. One point equals one percent of the loan amount. And while a lower interest rate may result in a lower monthly payment, it is important to consider how long you intend to be in the loan and to compare curre...
06/03/2009
  When shopping for a home, the natural tendency of any buyer is to want to pay the lowest price possible. It's important to keep in mind, however, that the sales price is not the only factor that determines what the monthly payment will be. In fact, the impact of higher interest rates can easil...
06/02/2009
A great post by one of my favorite bloggers, Steve Hoffacker...It's one thing that Manny Ramirez - the supposedly bigger-than-life-superstar baseball player - had so little respect for his team and the game to violate the league's drug policy. It's another that the violation was so substantial th...
05/30/2009
Mortgage Backed Securities...What the Fed's Purchases Mean to You You've probably heard that the Fed is buying up billions of dollars worth of Mortgage-Backed Securities. But how does this really impact home loan rates and your mortgage? Basically, the Fed's actions provide a demand for Mortgage...
05/29/2009
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Karl Peidl

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