Your 1st Step to home ownership BLOG

This is a list of things to steer clear of when you are seeking to obtain financing for a home. The following items may prove to be a detriment when you wish to move forward with the loan process.   1.Don't buy or lease an auto!  Lenders look carefully at your debt-to-income ratio. A large paymen...

Keys to creating a good working TEAM 1. Unique contributors instead of interchangeable parts. You're not building Model Ts and you're not running an assembly line. Each person on your team has unique talents to contribute and they should be respected for what they bring to your practice. 2. A val...

What Does a Government Shutdown Mean For You? Federal employees In the event of a shutdown, the federal government does not actually stop functioning entirely: activities and employees deemed "excepted" (in 1995, the terminology used was "essential") to keeping the nation safe and operational con...