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I've seen a bombardment of hate comments and negative sentiment regarding the purchase of discount points for both refinances and new home purchases. I think an educated discussion could certainly settle this perpetual debate because the math isn't mathing for me when people say it's a terrible decision. I should preface this with the fact that most homeowners tend to stay in their homes for 11-12 years. If you search a New York Times article from this year, you can find wher

Then came the issue that every mortgage professional dreads: the payoff statement delay. Upon receiving clear-to-close from the lender, we realized the payoff statement was running behind schedule. We were just three days from closing, and neither the seller nor the title company had received it. What followed was a hurricane-force effort from everyone involved to get that payoff in hand. The original request was submitted on the 22nd, yet it took 15 calendar days (12 busine

Buying a home is one of the most exciting and important financial decisions you’ll make. But before you can get the keys to your new...

Buying a home or investing in real estate can feel overwhelming, especially when you hear terms like "appraisal" tossed around. But...

Buying a home can feel overwhelming, especially when you’re navigating the world of mortgages for the first time. If you’re looking for a...

The Two Core Influences: Market Conditions and Borrower Risk At a high level, there are two primary forces that determine your mortgage...