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As mentioned in our recent blog about Home Loans for Self-Employed People, there are millions of individuals who may be able to purchase a home but have non-traditional incomes and don’t have the traditional income documentation required for qualified mortgage loans. These aren’t just the self-employed, but anyone with a fluctuating income or any one with the means and little or no monthly incomes to report. Read More
Determining when to buy a home is a personal decision with many variables. Some may try to pinpoint the "perfect time" and end up waiting themselves out of the market, while prices and interest rates rise. Read More
The housing market is an ever-changing entity and what was the right loan program for you when you first purchased may not be the ideal scenario for you now. Interest rates fluctuate, home values rise and fall, personal circumstance such as income and credit score can change. Read More
When you are about to make the largest purchase of your life, you need someone who will not only find you a competitive rate, but who understands your needs. You want someone who will help you succeed in the most affordable way possible. Read More
Like any economic trends, predicting where they might go is an imprecise science. We can make educated guesses, but the biggest moves often catch us by surprise. Read More
An irony of the times is that in this age of automated mortgage application platforms, Loan Officers  are increasingly dependent on online c reviews and client recommendations  for new business prospects. Younger clients, especially, rely on friends, family, and online comments for guidance before selecting the firms and individuals they want to do business with. Read More

Feeds

Low Rates and Strong Jobs Numbers Bolster Builder Confidence

Posted To: MND NewsWire

The Housing Market Index (HMI) continues to recover from the plunge it took in November and December when it dropped an aggregate of 12 points. The National Association of Home Builders (NAHB)/Wells Fargo measure of builder confidence in the market for newly-built single-family homes added another 4 points in February to the 2 it gained in January. It now standards at 62 on a 100-point scale. "Ongoing reduction in mortgage rates in recent weeks coupled with continued strength in the job market are helping to fuel builder sentiment," said NAHB Chairman Randy Noel. "In the aftermath of the fall slowdown, many builders are reporting positive expectations for the spring selling season." Derived from a monthly survey that NAHB has been conducting for 30 years, the HMI gauges builder perceptions...(read more)

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MBS Day Ahead: Trading Range on Borrowed Time

Posted To: MBS Commentary

For all of the potential market movers that anyone can discuss so far in 2019, we really haven't seen any concerted effort to take yields higher or lower from key technical levels. The higher of those levels was implied by late 2018 trading and the floor was seen 2 days into 2019. These can be seen as the upper and lower horizontal lines on today's chart. But bonds weren't content to merely trade in that historically narrow range. By February, the horizontal levels shrunk from 2.82 to 2.75, and from 2.55 to 2.62. And even then, the predisposition has been to trade narrower and narrower (yellow lines). This so-called consolidation range is now clearly living on borrowed time , as it won't take much movement in either direction to break. Keep in mind that when the yellow lines...(read more)

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