VA Funding Fees Increasing

Military homeownership

VA insured mortgages that close on or after January 1, 2020 will be subject to a VA funding fee increase with the exception of IRRRLs and loan assumptions. This move was signed into law on June 25, 2019 and is approaching quickly. The VA funding fee increase will be in effect until January 1, 2022… [Read More]

VA Loan Benefits

Military homeownership

Home ownership is easier than ever for our active and retired military. Mortgage interest rates continue to decline which means borrowers can purchase a home to fit their family’s needs without breaking the bank. There are many VA insured loan benefits and misconceptions. The lower rates also affect refinancing an existing VA home loan. The… [Read More]

Construction Loan Rates


As the inventory shrinks and buyer’s options are limited, I receive many calls regarding construction loans. The process requires planning, but it is not as difficult as one may think.   A construction loan may be used for the following scenarios:   New construction Major remodel  To finish partially completed homes  Tear down and rebuild  Primary and Secondary (Vacation) homes   Primary Benefits of Using a Construction… [Read More]

Conventional vs. FHA Mortgage


There is so much information out there on FHA and Conventional mortgage financing that it’s easy for even a seasoned buyer to be confused as to which loan best fits their needs. It’s a common misconception that in order to utilize conventional financing, a borrower is required to have 20% down. There are conventional loans… [Read More]

Las Vegas Housing Market 2018

LV Housing Market

The Las Vegas housing market came in at the number two spot in the country in November and isn’t expected to slow down any time soon. Construction is well underway on many large projects and this doesn’t only affect the construction industry, it continues to fuel the rest of the community as money is generated… [Read More]

HARP Bailout Extended

big underwater

The Home Affordable Refinance Program (HARP) that was set to end in September is now extended through December 2018! It is estimated that over 140,000 homeowners could still benefit from the HARP refinance which is what led FHFA to make the decision to continue to program. You may have seen several “catchy” adds that several… [Read More]

How to find a Great Mortgage Lender

Mortgage Lender

In a seller’s market (there are more buyers than there are home available) it is imperative that a borrower is properly prepared with a loan pre-approval that is based on all of the information that will be considered once it placed in the hands of an underwriter. Price and cost is an important factor when… [Read More]

How much mortgage can I afford?

how much mortgage can I afford

How much mortgage can I afford is the number one searched item listed for first time home buyers. Navigating the wide array of mortgage information on the web can be daunting and confusing. The web offers a plethora of information which can be both helpful and harmful. Buyers are bombarded with teaser rates, online simplified… [Read More]