If I could sit down with every future homebuyer six months before they applied for a mortgage, there are a few things I would gently walk them through. Not to overwhelm them. Not to make it feel complicated. But to save them stress, time, and sometimes even money. After working with buyers across multiple states…
One of the most common questions homeowners ask after closing is whether they can pay extra toward their mortgage principal—and how often they’re allowed to do it. The good news is that most loan programs today allow you to make additional payments toward principal without any kind of penalty. That flexibility can make a big…
If you’re getting a mortgage, chances are you’ll hear about an “escrow account.” It’s a term that can make the home loan process sound more complicated than it really is, but the idea is pretty simple: it’s a way to make sure certain home-related bills are taken care of without you having to stress about…
If you’re thinking about buying a home or refinancing, you’ve probably wondered: “How long is this mortgage process going to take?” Great question—and like most things in life, the answer is: It depends.But let me walk you through what a typical timeline looks like, and where I come in to help keep things on track….
When you’re thinking about buying a home, one of the first things you’ll hear is the importance of getting “pre-qualified” or “pre-approved.” While those terms might sound similar, they aren’t equal—and honestly, one of them isn’t all that helpful. Let’s break it down, and I’ll explain why pre-approval is really the only step that matters…
If you purchased a home over the past couple of years, you might be feeling the sting of high interest rates. At one point in late 2023, the average 30-year fixed mortgage rate peaked at 7.8% — the highest we’ve seen in decades. But here’s the good news: you may not have to stay stuck…
