It certainly has been one of the busiest years that I can remember in the mortgage busines. There are so many people not only taking advantage of getting lower monthly payments but many that are lowering the amount of years for their mortgage!
I have seen so many cases that customers are paying less and have lower term than they have now! It is a wonderful way to help people.
For some people we are able to help them even when they have lower credit (FICO) scores with FHA refinance. The minimum FICO score is 600 for FHA.
I am doing at least 2-4 new construction loans a week. We handle all over New England, NY and FL and I love the construction process. It is very exciting to help so many people wade through the financial and building process to get to the end result! A new home that is their dream home.
On a personal note, I am very thankful for all the hard work of my husband; who has volunteered to make up loan packages for the files that I fed-ex out to customers! After 30 years of marriage, I am still so loved by this man!
I hope that all is well in your life. Take the time to take care of yourself.
Feel your breath as it comes in and goes out of your body. Listen quietly to your heart beating. Slow down and be thankful for all that life has blessed you with and remember to believe the best of others.