Washington State Mortgages, Made Clear. Buying or Refinancing? Let's find the right loan together.
Your mortgage approval doesn’t start with a rate — it starts with your credit profile and financial structure.
In this section, you’ll find educational articles on:
Understanding how lenders evaluate credit and income allows you to prepare strategically rather than reactively.
My goal is to help you improve your financial scenario — whether that means preparing to buy, restructuring debt, or planning your next move.
Okay…it’s not just the overdue library book…we have a few other factors involved with this scenario. In February I began working with buyer who was contemplating buying his first home, a condo to be exact. We were able to offer a preapproval based on: [Read more…]
Whether you’re married or are a couple who own a home together and are now facing a separation, dissolving a partnership is never easy. Even if both parties are amicable and agree to the break up, it is a very emotional time. You may just be thinking about who gets to keep the house…or you just may want out and not even care about the property. Your mortgage and credit history is probably the last thing on your mind…however, you may want to consider protecting the credit that you’ve worked hard for. [Read more…]
This is the second part of my series on debt inspired by the blog Dollar Buy Dollar. Before I get too deep into my posts, I want to stress that if you have a mortgage and you are sliding further into debt, please contact your Mortgage Professional as soon as possible. Don’t wait. It may feel better to dig your way out without help, however, credit card lates and even worse, mortgage lates, will ding your credit score down to where either: [Read more…]
The other morning, I had CNN on as I was getting ready for work when a story about a local blog caught my attention. Dollar Buy Dollar is authored from a Washington State resident who has found himself in quite the pinch by jacking up his credit card bills and student loans to a total that tipped over $70,000. The blog is an honest (sometimes painfully honest) account on what he’s doing to try to get out of that mess. This should be a must read for every senior in high school and anyone with more credit debt than savings. Debt happens far too easily and, like packing on a few pounds, it’s much easier to gain it than to whittle it away. [Read more…]
