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Invest in your dreams with the money available in your home Tapping into your home’s equity responsibly is one of the best ways to take the reins of your finances for your immediate needs and emergencies – or for dreams of tomorrow. Accessing the value that you’ve built up in your house through an FHA Cash Out Program is a tremendous way to do just that. Read More
Is Buying a Condo a Good Idea? So what's the skinny on buying a condo? Are there any different procedures, any extra considerations to make? Definitely! There are many reasons, and pros and cons to buying a condo. If you, or someone you know, is looking to make a condo their new home, read on to find out all that comes along with it. Read More
Use Debt Consolidation and Good Money Habits to Manage Debt and Build Wealth  In today’s swipe-and-go, buy-now-pay-later credit card culture, it’s easy at times to lose control of your finances and feel as if all your money is going just to pay off your bills.  If that sounds like you, you may need a debt consolidation strategy, where you combine all your bills into one single payment that is easier to manage and more affordable. Read More
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

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MBS RECAP: Bonds Take a Day to Digest Fed Day as Stocks Finally React

Posted To: MBS Commentary

Apparently it took the 9:30am NYSE opening bell ringer for stocks to truly realize what just happened. The Fed announcement on Wednesday was their way of saying "sorry" to stocks for the "steady as she goes" approach to tighter monetary policy in December. As of Wednesday the Fed's median outlook for the Fed Funds Rate is now half a point lower for 2019-2020 and whereas Powell said in December that the balance sheet runoff was on autopilot with no reason for that to change, the just-announced change has the Fed completely doing away with balance sheet runoff on October 1st, and taking a $15bln/mo bite out of it starting in May. So just to be clear... that's by far the biggest downward adjustment in the Fed's rate hike outlook we've seen in more than a decade...(read more)

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Mortgage Rates Move Deeper Into Long-Term Lows

Posted To: Mortgage Rate Watch

Granted, we're not back to the sub-4% mortgage rates that dominated much of the past 8 years, but breaking into the high 3% range is a valid consideration after the past few days. Yesterday's surprising Fed news hit the rates that were already holding near their lowest levels in well over a year. The net effect has been a decisive break lower with the average lender easily able to offer 4.375% on a typical 30yr fixed scenario. Many lenders are at 4.25%, and the interesting thing about 4.25% is that it currently doesn't cost much more to buy your way down to the next lower rate: 4.125%. All of the above has to do with the upfront prices associated with interest rates. For instance a lender is going to earn more money from a 4.375% rate than a 4.25% rate, so they're willing to pay a bit more...(read more)

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