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Rates Are Low. Can They Go Lower?

It’s no secret — COVID-19 has disrupted every aspect of our lives. And the mortgage industry is not immune from this global pandemic. But what will the long-term impact be? It’s a question that many are asking, but not many have a good answer to (yet). Mortgage rates...
Is Now the Right Time to Refinance

Is Now the Right Time to Refinance

The simple truth is this — COVID-19 has turned everyone’s lives upside down. Schools, businesses, non-profits all reeling as they find ways to adapt to this temporary normal. And the housing market is no exception. But within that uncertainty exists some opportunity....

What You Need to Know About Closing Costs

You are on the two yard line. The end zone is in sight. What’s standing between you and the touchdown? That line of massive 300 lb. dudes! That’s how many people feel about closing costs when it comes to their mortgage. They are so close to seeing their dream of...

Your Credit Score — the Dos and Donts

For some people, managing their credit score is similar to playing Whack-A-Mole. You address one issue and another one pops up. It can be a terribly frustrating cycle that never seems to have an end. — In my job as a loan officer with Total Lending Concepts, I have...