Your Trusted Guide for Mortgages & Real Estate
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 […]
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 […]
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 […]
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 […]
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...
#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 […]
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...
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 […]
Most agents and buyers know that Private Mortgage Insurance (PMI) is usually necessary when a buyer puts less than 20% down. What most people don’t know is that almost every lender offers a “10%...
CAPITAL GAINS 101 The IRS and many states collect capital gains taxes on the difference between what someone pays for an asset (their “basis”) vs what they sell it for. […]
JVM WILL DIE (or change) (a lot) 10 years from now JVM Lending will not exist… in its current form (or anything even close). The same holds true for ALL […]
Reminder: Owner Occupancy Ratios in condo complexes are irrelevant if a buyer intends to occupy the unit. Owner Occ Ratios can be as low as 10% and Fannie or Freddie […]
If you Google the word “Wrong,” the below picture pops up in the results: OK… that is a real photo taken at a holiday party (in a photo booth – […]
I am asked every week by friends, family, team members and clients if I think “now is still a good time to buy” and “do I think we are in […]
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