Category Archives: Doctors of Physical Therapy

What Is The Best Month To Buy A House (Three Ways You Can Save This Winter)?

The holidays are upon us, and more often than naught, prospective home buyers are putting their decision to purchase a new home on pause until after the New Year. Who can deal with all that stress during the holidays? I get it, buying a home during the winter can be a little more challenging, even uncomfortable to pack up and move during the holidays when our tendency is to slow down the pace and relax a little. If that resonates … Read more

What Type of Loan is Best for Home Remodel or Renovation?

One of the questions that we get all the time is, what type of loan is best for home remodels or renovations or home improvements? We stumbled upon these interesting facts from Zillow comparing or asking potential home buyers what would they rather do. Would they rather renovate their existing home and make it just the way they like it and stay put, or would they rather buy a new home? I was actually shocked to see that 76% of … Read more

Avoid Monthly Mortgage Insurance

Helping clients avoid private mortgage insurance is one of the most important things that we do. You want to try to avoid mortgage insurance at all costs for a couple of reasons. Number one, mortgage insurance doesn’t fall off of most loans until you’re in the 10th or 11th year of that amortization schedule, or the repayment schedule. Most of our clients are in their homes between seven and ten years, so even though in theory mortgage insurance would fall … Read more

Powerball Blues Got You Down? INVEST IN REAL ESTATE!!

Do the Powerball blues got you down? Yeah, you didn’t win the billion dollars, but I’ve got a great consolation prize for you. It’s called investing in real estate, and unlike Powerball, there’s a lot of winners when it comes to investing in real estate. I know. I bought my first investment property when I was 21 years old, and that eight-plex at 21 years old that was work $350,000 at the time is now valued well over a million … Read more

Student Loan Debt & Mortgage Decline

One of the things that trip our clients up the most is student loan indebtedness. Most lenders, whether it be loan officers at other banks that aren’t familiar with working with professionals that have student loans, don’t really identify how to correctly classify those student loan payments, and so a situation that we see very frequently is someone that’ll have $200,000 in student loans, and they’re in deferral, or some sort of an income driven repayment, The loan officer mistakenly … Read more

Will the housing market survive the next economic slowdown?

The economic expansion that began in 2009 is the longest in American history.  Bull markets cannot run forever and at some point in the future (potentially the near future) the economy will need to pause to take a breather.  Like many of the clients I speak with, you may be wondering how the housing market will hold up if the economy goes into a recession. While it is impossible to predict the future with complete certainty, we can study the … Read more

Why Should I Get Pre-Approved BEFORE Finding THE Home I Want? 

Why Should I Get Pre-Approved BEFORE Finding THE Home I Want? If you’re like many clients we speak with, going through the process of getting pre-approved, having your credit pulled, and supplying documentation, seems like too much work until you find THE home you want to buy. In a buyer’s market, where the number of sellers exceed the number of buyers, you can delay pre-approval, and in many cases write an offer and gets accepted by a seller without an … Read more

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