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Rates Keep Falling; Rates Keep Falling, Down, Down; What’s Going On?

I stole my subject line from the 1985 Simple Minds song – Don’t You Forget About Me… OK – they might have actually sung “‘Rain’ keeps falling…” but I was […]

February 21, 2020 3 min read
Oceanshore home

Will Student Loans Impact a Pre-Approval in Dallas?

The national student loan debt has now surpassed $1.6 trillion and comprises 42% of all consumer debt. Millennials have most of the student debt, which has increased by 130% since 2008. Graduates in...

February 21, 2020 2 min read
Student studying at table

Why & When Appraisals Do NOT Equal Market Value

BEATING THE APPRAISAL DEAD HORSE I beat this dead horse more than any other simply because the issue surfaces so often. This week was no exception when a buyer of […]

February 20, 2020 3 min read
Why & When Appraisals Do NOT Equal Market Value

Will Student Loans Impact a Pre-Approval in Austin?

The national student loan debt has now surpassed $1.6 trillion and comprises 42% of all consumer debt. Millennials have most of the student debt, which has increased by 130% since 2008. Graduates in...

February 20, 2020 2 min read
3 men sitting looking at laptops with bookshelf behind them

Study Shows First-Time Dallas Homebuyers Look for Financing First

In the Washington Post’s housing report, they found that 74% of homebuyers start their house hunt in areas like Dallas, Texas, by researching financing options and getting pre-approved with a local...

February 19, 2020 2 min read
Woman writing in notebook on table with laptop and coffee cup

Study Shows First-Time Austin Homebuyers Look for Financing First

In the Washington Post’s housing report, they found that 74% of homebuyers start their house hunt in areas like Austin, Texas, by researching financing options and getting pre-approved with a local...

February 18, 2020 2 min read
Woman sitting looking at tablet

WWI General Court-Martialed for Bucking the System/Recommending Better Tech!

General Billy Mitchell is one of the more fascinating stories in American military history. He was a WWI combat hero who ended up in charge of airplane and tank development […]

February 14, 2020 3 min read
WWI General Court-Martialed for Bucking the System/Recommending Better Tech!

More HOA Dues = Less House; Personal Litigation

HOA DUES = LESS HOUSE This is another reminder that HOA dues can significantly offset purchasing power, as HOA dues are a payment that affects debt ratios like every other […]

February 13, 2020 2 min read
More HOA Dues = Less House; Personal Litigation

The Importance of Life Events & Big Data – One More Time

We hosted a large Tech Expo recently and we had two presenters discuss the importance of “life events” again. I have discussed this numerous times now but want to hit […]

February 12, 2020 3 min read
The Importance of Life Events & Big Data - One More Time

The “Mother” of All Testimonials :) (Winnie the Pooh Too!)

I try very hard to keep this blog as informative as possible, without inserting too much “Rah, Rah JVM!” material. But sometimes, I can’t resist – especially when even the […]

February 10, 2020 3 min read
Winnie the pooh

Four Steps to Prepare for Closing Day in Dallas, Texas

Closing day is the last step for Dallas homebuyers in their loan process. All their paperwork gets finalized and the deed of the Dallas property is officially transferred to the new owner. Here are...

February 10, 2020 2 min read
Four Steps to Prepare for Closing Day in Dallas, Texas

5 Key Credit Reminders & Misconceptions

#1 – Consumer credit scores are not the same as mortgage credit scores. Borrowers often share their credit scores with us, as if those scores are set in stone. Those […]

February 7, 2020 3 min read
Woman analyzing documents while sitting at home

Four Steps to Prepare for Closing Day in Austin, Texas

Closing day is the last step for Austin homebuyers in their loan process. All their paperwork gets finalized and the deed of the Austin property is officially transferred to the new owner. Here are...

February 7, 2020 2 min read
Pretty house at dusk

Signing Bonuses = Higher Rates; No Free Lunch In Mortgages

Heejin and I have been offered seven-figure “signing bonuses” (in exchange for aligning with a new mortgage bank) on numerous occasions by large mortgage banks trying to lure JVM under […]

February 6, 2020 3 min read
Signing Bonuses = Higher Rates; No Free Lunch In Mortgages
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