In the business world, everyone speaks about getting the best “return on investment” (ROI). An ROI is the ratio between the net profit and cost

I was recently speaking with a client who was referred to me after spending over eight weeks at a commercial bank trying to get a

There are many misnomers in mortgage lending, but none as specious as the requirement of a 20% down payment to buy a home. According to

In general, I try to share timely topics, current news and recent experiences that I encounter in dealing with clients on a day-to-day basis. This

This week the online real estate juggernaut, Zillow, made a major announcement. Zillow disclosed their intent to buy a mortgage lender in Kansas to help

One of the benefits of driving up to “the country” every weekend is the scenic views I get to enjoy along the way. Barring the

I would suggest that the benefits of an open house is one that gets debated most often in the real estate industry. Let’s face it,

As Charles Dickens famously wrote in his historical novel A Tale of Two Cities, “It was the best of times, it was the worst of

The headline reminds me of the proverbial saying, “Is the glass half empty, or half full,” which is a common expression used to rhetorically indicate

One of the most common confusions in the mortgage industry is the distinction between “pre-approvals” and “pre-qualifications.” I have seen some mortgage companies that emphasize

On Wednesday, the Federal Reserve unanimously raised rates 0.25%. By the time you are reading this, it will be old news. While the 25-basis point

In the aftermath of the “Great Recession,” new regulations were introduced to protect consumers and to ensure that banks fully evaluated an applicant’s “Ability to