Mortgage News
Wire Fraud – How to Protect Yourself from a Major Scam
April 19, 2019  |  

As technology advances, it’s become more and more integrated in the mortgage process.  At this point you can obtain financing entirely online and via email communication – which is great for convenience, but unfortunately it’s opened the door for wire fraud in a very scary way. In the real estate industry, wire fraud has jumped […]

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Mortgage News
Is FHA the lowest down payment option?
April 09, 2019  |  

Qualifying for 3% down on a Conventional Loan… Many people still assume that FHA is the lowest down payment option when it comes to buying a home.  However in 2014, both Fannie Mae and Freddie Mac released conventional loan programs allowing for a 97% loan-to-value…meaning 3% down on primary residence purchases.  FHA requires a minimum […]

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Mortgage News
Automation vs. Human Interaction – Which one is really more convenient?
March 18, 2019  |  

That’s actually a trick question, it should be “Which one is more convenient for the client?”  Let’s consider the mortgage experience (what did you think we were going to talk about?).  Would you prefer to do everything online or through an app on your phone, without ever being bothered to talk with anyone? Or, would […]

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Mortgage News
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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Mortgage News
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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Mortgage News
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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Mortgage News
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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