What is W2 income? Simply put it's income earned by working for a business you don't own (and at the end of the year or earnings and deductions are reported to you on IRS Form W2). Tons of income types fall into the Wage Earner or W2 category and this video, part 1 of 2,...Read More

While the complexity of your personal financial situation can be reflected (generally) in the complexity of your pre-approval, requirements for asset documentation tend to be a source of frustration for all home buyers regardless of the complexity or simplicity of their finances. Let's talk about what is needed and why.Read More

There are a lot of voices out there looking at rates and saying that now is a bad time to buy a home BUT there are enough factors in the market that make now exactly the right time to buy a home. Let's use a little story to highlight some of the considerations to remember...Read More

You don't need 20% down to buy a homeRead More

So your pre-approval has expired... What now?Read More

Why are we going back to underwriting?Read More

When using a fast closing as a negotiating tactic to win an offer it's imperative that nothing prevent that closing from happening on time. When there is an inspection contingency that may result in back-and-forth negotiations you run the risk of delays to the closing timeline.Read More

A change to real estate law could have major impact to pre-approvalsRead More

Think twice about opening a new bank account during your mortgage pre-approval process. Here's why!Read More

Think twice about opening a new bank account during your mortgage pre-approval process. Here's why!Read More