NOT ALL PRIVATE ROADS ARE TREATED THE SAME

In the lending world, there is often a fear of private roads when in fact, not all private roads are treated the same.  Each of the traditional loan guidelines have varying guidelines which I’ve outlined below. FHA defines access to … Continue reading

NEW VA REFINANCE GUIDELINES EFFECTIVE FEBRUARY 16, 2019

In an effort to take better care of our active duty service members and Veterans, VA has made some significant changes to both the IRRL (interest rate reduction refinance loan) and the cash-out refinance options. Historically, almost immediately upon closing … Continue reading

CONSIDERING FREEZING YOUR CREDIT? WHAT YOU NEED TO KNOW

With the increased frequency of security breaches that we hear throughout the news, it’s hard not to get concerned about who may have access to your credit and other personal information. In considering ways to protect yourself, freezing your credit … Continue reading

2018 TAX CHANGES THAT YOU NEED TO KNOW

In December 2017, the Tax Cuts and Jobs Act (TCJA) was signed into law. The impact of this law went into effect in 2018 and remains valid through 2025, unless Congress revises the Act. So, as you prepare your 2018 … Continue reading

IF YOU’VE EVER WONDERED WHAT YOUR APR CONSISTS OF, READ ON…

Whether borrowing money for a home, a car or charging money on a credit card, each form of credit quotes both the actual interest rate your payment is calculated on, as well as an annual percentage rate (APR).  The APR … Continue reading