One of our favorite days in the loan process is the day when we get to lock your loan. This means that you have decided to move forward, either with the home you are under contract to buy, or with the refinance you’ve been considering. We love this day! In the video above, Ruby goes...Read More

If you are thinking about buying a home, chances are someone has told you, once, twice, in a million ads, that you should get pre-approved. Great. What is it? What does that mean? Why should you do it? How do you do it?Read More

As our market shifts a bit, we’ve started to see Seller Credits be used a bit more during negotiations. They can be great tools to help make the most of your home purchase. In this video, Ruby goes over two different ways to use the credits when structuring your loan. Please let us know if...Read More

We talk about goals all the time – how much do you want to spend each month, and how much do you plan on contributing to the entire transaction. As we help our clients determine what their target purchase price is, sometimes it turns out that their cash to close is smaller than what they...Read More

A Home Inspection is a very good idea. It is a detailed walkthrough of your prospective home, with a licensed Inspector, to review the bones of the house. How’s the roof doing? Is your electrical up to code?Read More