Educational

What is a Mortgage? (Probably more than what you think)

Time to break things way down.  Let’s deconstruct what exactly it is we’re dealing with here in the mortgage industry.  I’ve been in the mortgage loan game since 2003 and it never ceases to thrill me when we close and fund another one!  Why you ask?  Because the great thing about making a mortgage not …

What is a Mortgage? (Probably more than what you think) Read More »

Timmy G Says: “Americans Should Refinance Now”

Treasury secretary Tim Geithner made some comments today that the Fed has “achieved its goal” of lowering interest rates through the purchase of Mortgage Backed Securites. I don’t know how much longer they will do this… I imagine that this will keep up at least through the summer, but there are no guarantees. With the …

Timmy G Says: “Americans Should Refinance Now” Read More »

Mortgage Rates for Portland OR: Sept 18th 2013 FED DAY!

HOLEY MOLEY! Anyone reading this is likely aware about the FED’s Taper talk, and why it matters to mortgage rates.   I was cautiously optimistic that we would get a break out of our recent bond trading range after the release of today’s Meeting minutes.  However, I had locked most of my clients prior to …

Mortgage Rates for Portland OR: Sept 18th 2013 FED DAY! Read More »

Low Rates and the Return of Private Mortgage Insurance (PMI)

Its happening again.  Rates are tumbling and tumbling more.  I read recently that avoiding closing costs in a declining rate environment is a wise approach and I completely agree.  By avoiding closing costs two things happen: 1. The net benefit of the improved cash flow is immediately realized, and 2. You are in a position …

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Is this the top of the Portland Real Estate Market?

***SPOILER ALERT*** I’m not an economist, or statistician. I’m a Portland area mortgage lender, and Portland area home owner, as well as a Portland area landlord. So I feel I’m writing this as an interested bystander with a ring side view of the action. My team and I participate in anywhere from 5-15 purchase transactions …

Is this the top of the Portland Real Estate Market? Read More »

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