How Does the Debt Ceiling Affect Mortgage Rates?

This debate is unavoidable, so I won’t try to establish any context for this blog post.  I’ll just try to…

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New HARP loan “HARP 2” + new FHA loan limits 2011

Christmas might be coming early for homeowners in Oregon and Washington!  The Obama administration has been putting pressure on banks…

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Potential Jumbo Refinancing Candidates

So, if you pay attention to this blog, you know that interest rates have popped up from their mind-boggling lows…

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Refinance Your Mortgage: It’s a No Brainer

Changing your mortgage can be a daunting task. However, when mortgage rates are falling, the cost savings that one can…

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Skipping a payment when you refinance

Mortgage borrowers of the world!  It’s time for some “real talk” about the true and actual benefits of refinancing a…

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The END of Tightening Mortgage Approval Guidelines

I just read an article this morning about how Freddie Mac has posted a 3 BILLION dollar profit for Q2…

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The Home Valuation Code of Conduct

Well, its finally here. the HVCC! (it stands for Home Valuation Code of Conduct) What does this mean? Well it…

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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…

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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….

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Asset Verification and Sourcing deposits for mortgage approval

Getting a loan these days is incredibly INCOME driven, but an often overlooked part of the approval process is asset…

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