Posts Tagged ‘mortgageadvice’
The 2026 Housing Market Is Waking Up. Are You Ready?
January 20, 2026 Momentum Is Building in the 2026 Housing Market As 2026 gets underway, one thing is already clear: the real estate market is not standing still. In a recent conversation with local realtor partner Jeanine Schulz, we discussed how the market has a certain momentum you can almost feel. When that energy starts…
Read MoreSure, You Can Afford That House…But Should You?
September 8, 2025 How Affordability Shapes Your Home Search Affordability isn’t just about what lenders say you can afford, it’s also about if that mortgage payment fits comfortably in your monthly budget. Your income, current rent, and existing debts all factor into determining a realistic mortgage payment that won’t strain your finances. Understanding Your Comfort…
Read MoreDTI Made Simple: What Debts Do Lenders Really Count?
September 8, 2025 What is a Debt-to-Income Ratio (DTI)? Your debt-to-income ratio (DTI) is the number lenders use to determine how much house you can afford. It compares your monthly debts to your income and helps lenders evaluate your ability to manage mortgage payments. Every person’s DTI looks different, so it’s important to understand how…
Read MoreShould You Sell Your Car to Buy a House?
September 8, 2025 How Debt Affects Your Home Buying Power Your monthly debts directly impact how much house you can afford. Lenders consider your total debt obligations when determining your loan eligibility. Even small debts, like car payments or credit card balances, can reduce your purchasing power by tens of thousands of dollars. Understanding this…
Read MoreWhat’s Your DTI And Why Should You Care?
July 31, 2025 When you apply for a mortgage, lenders look at a lot of numbers, but your Debt-to-Income ratio (DTI) is one of the biggest deal-breakers (or deal-makers) in the whole process. Right up there with your credit score, this formula plays a major role in whether you qualify for a loan and how…
Read More5 Things Every First-Time Homebuyer Needs to Know Before You Buy
July 7, 2025 You Don’t Need 20% Down Many buyers still believe they need to put down 20%, but that’s simply not true anymore. There are many loan options that allow for much lower down payments, some as low as 3% or even 0% for qualified buyers. Closing Costs Can Be Covered Don’t let closing…
Read More5 Things You Need To Know About Down Payment Options
June 4, 2025 When you’re thinking about buying a home, one of the biggest questions on your mind is probably: How much do I need for a down payment? Good news—there are more options and resources than you might think. Let’s break down the five most important things you need to know about down payments…
Read MoreHow Do I Choose The Best Mortgage Lender For Me?
April 14, 2025 How to Evaluate a Mortgage Lender’s Trustworthiness When choosing a mortgage lender, trust is everything. In this video, we explain why online reviews are a powerful tool for evaluating a lender’s reputation and reliability. While the number of reviews can give you some insight, what really matters is what those reviews are…
Read MoreHello!
January 1, 2025 Welcome to my blog, The Buzz! My goal for this blog is a reflection of my goal as a Mortgage Loan Officer- to help educate people so they can make the best decisions for their individual circumstances. So, this is where I’ll provide information regarding mortgage interest rates, real estate trends, loan…
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