Don’t Wait until January to tackle your Financial Goals.
November 26, 2018  |  

Why an annual mortgage review is key – every year…as in annually. For all of my clients, our relationship doesn’t end at closing.  I continue to monitor their mortgage and property value so that I can alert them of opportunities.  These include opportunities to remove mortgage insurance, opportunities to consolidate debt , opportunities to pay […]

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3 Questions More Important than Rate
October 26, 2018  |  

Often, clients begin their first conversation with a lender by asking about interest rates and fees.  Important questions to consider on a purchase as substantial as real estate but in fact, those are not the most important questions.  After years of behind-the-scenes experience in the mortgage industry and specifically seeing first-hand how many things can […]

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Is your house your key to debt relief?
April 10, 2017  |  

Everyone is talking about home prices going up – but what does that mean for you if you already bought your home 3-4 years ago?  First it means you’re lucky and/or a smart cookie.  It also means you’re probably sitting on quite a bit of equity.  Home values increased 7% between February 2016 and February […]

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Student Loans and Homeownership – Can they coincide?
April 05, 2017  |  

  We know that levels of home ownership rise amongst those with higher levels of education.  However, we also know that as that level of education rises, typically so does the amount of debt required to attain it.  These two trends get interesting when you compare the level of home ownership between college graduates who […]

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Buy Downs are a Buyer’s Secret Weapon
March 15, 2017  |  

As we head into the busiest home-buying season, Reno buyers may be looking for any advice they can get to come out ahead in the negotiations.  We know interest rates are on the rise – buyers will pay $57 more per month for their mortgage than they would have by locking this time last year.  […]

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What happens when the Sky Falls?
February 28, 2017  |  

Mike Kazmierski’s opinion piece,”Reno’s Housing Sky is Falling,” received quite of bit of attention last week.   He brilliantly pointed out that these rising home prices in our area are not due to a bubble, but a direct result of the immense job growth we’ve seen – coupled with an inadequate amount of new housing.  At […]

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Well Qualified and Financially Savvy? Getting a mortgage might be harder for you.
February 14, 2017  |  

I have a joke I like to make that a McDonald’s employee will have an easier time getting a mortgage than a real estate investor purchasing his seventh property.  That may not make sense to most – but a lot of what we do as mortgage professionals involves explaining why 1 + 1 might look […]

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Move Up Buyers
February 07, 2017  |  

What you need to know about stepping into the jumbo market… Here in Reno, we are seeing quite a few buyers getting ready to make their second home purchase.  These are the clients we tend to call the “move-up buyer”.  Their first house was quaint, cozy and a solid investment.  They spent a few years […]

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Self Employed and Buying in 2017?
February 02, 2017  |  

We are in that sweet spot of the year for self-employed borrowers – especially if buying a new home is one of their goals for 2017.  For those who own their business or work independently as a 1099 employee, taxes are little more complicated than the average W2 employee.  There are typically quite a few […]

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New President Retracts MI Cut – How Will It Impact Reno Buyers?
January 25, 2017  |  

Within hours of his inauguration last Friday, President Trump signed an executive order suspending a planned mortgage insurance cut for FHA homebuyers.  If you’re looking into buying a home here in Northern Nevada and are unsure of how this affects you – let’s back up a few steps to the beginning. First of all, what […]

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