11 Tips For Millennial First Time Buyers. My #CreditChat with @Experian

I was recently invited by Experian to attend their #CreditChat on Twitter to answers some of the top burning questions for the Millenial First Time Home Buyers. Here are the 11 questions and my answers. Q1: What are some important things millennials should keep in mind before they begin the homebuying process? A1: If you […]

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Mortgage Rate Recap and Outlook For Week Ending August 10th, 2018

August continues to deliver the same doldrums in economic markets that have been present the past three months. Most economic data continues to come in at expectation, producing little effect on the markets. Inflation is coming in at 2.7% year over year, which is above the Feds target rate of 2%. Expect to see inflation […]

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How to Get Rid of Collections from Your Credit Report

You just checked your credit report, and your score has fallen like a rock! True, you hit a rough patch and missed a couple of payments a few months ago. But you almost had the money to pay them off — and the creditors turned them over to collection agencies. Now what? The short answer […]

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Mortgage Rate Recap and Outlook For Week Ending August 3rd, 2018

Despite continued tariff threats and retaliations between the US and China, the markets are reacting more to the continuing strength in the economy, led by a strong job market.  Overall, the impact on mortgage rates has been a very slight increase that looks more like a sideways movement. Globally, aside from the tariff issues, the […]

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All You Need to Know About the 1031 Exchange

There’s no secret to the way our tax system works: If you make money, you owe taxes.  However, when the taxes have to be paid depends on whether it’s income from your job or from your investments. While you have to pay the taxes on the money you make from working every year, when it comes […]

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International Buyers Lose Interest in U.S. Real Estate [infographic]

According to the National Association of Realtors (NAR) annual survey of Profile of International Transactions in U.S. Residential Real Estate, international sales are sliding. From April 2017 to March 2018, the foreign home purchases sank 21%. See the infographic below.  

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Why the FHFA Canceled Their Credit Score Initiative

The Federal Housing Finance Agency (FHFA) is officially postponing the decision on changing the credit scoring models Fannie Mae and Freddie Mac (government-sponsored enterprises) have used since the 1990’s. FHFA was established by the Housing and Economic Recovery Act (HERA) of 2008 to regulate and supervise Fannie, Freddie, and the Federal Home Loan Bank System. […]

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Mortgage Rate Recap and Outlook For Week Ending July 27th

Mortgage rates have virtually treaded water for the summer, and it looks like that pattern will continue at least for another week.  At this point, nearing the end of the week of July 23rd, the economic data released was Durable Goods and the Weekly Jobless claims, and both came in at expected levels. Friday’s GDP […]

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How to Calculate Cash Flow When Buying an Investment Property

Whether you’re a seasoned or new investor, calculating cash flow on a potential rental property is a critical part of your analysis before buying.  You need to make sure you crunch the numbers completely before deciding to invest your money and getting the cash flow calculation right might be the best investment you can make. […]

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Mortgage Rate Recap and Outlook For Week Ending July 20th

Mortgage rates finished up another week at almost the same point that they began.  It’s been a stagnant two+ months for rates, and it doesn’t appear to be breaking out of that pattern soon. All the recent economic data continues to point to building inflation, primarily due to a severely tight labor market. Jobless claims […]

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