Articles written by tammy engel
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Exceeding your budget
There’s a popular television show depicting the home buying process, where we get to watch home b...
New year financing strategies
Take time now to review your financial health. Investigate some of these ways you might re-arrange...
Which is the better deal?
Shopping for a home loan isn’t fun. You hear a bunch of numbers and aren’t really sure how to make s...
Clean up the clutter
Once the holidays are over many people look around and decide they need to clean up their clutter...
Prepare your kids to buy their first home
You don’t want your kids to miss out on today’s housing market opportunities, and everything is dif...
Check it out
When you apply for financing, we’ll likely ask you for your last two bank statements. Here’s a qui...
Affordability snapshot
Time for a quick snapshot of our market’s affordability. Interest rates are still low, and h...
Here's a TIP
New mortgage disclosures became effective this week. Consumers will now be given a Loan Estimate at...
Nope, that won't help your score
A new survey conducted by TransUnion indicated that home buyers may not be as prepared to purchase...
Now that you're back to work…
Suddenly lots of folks have been calling about buying a house, now that they’re back in the w...
Getting great results
They told us the refinance market was over, but maybe they spoke too soon. Here are four case...
Wait, I can't take your money!
Frustration abounds in mortgage world these days. Closing times are longer, and more regulated wait...
Ugly but not broken
Lately we’ve been seeing appraisals come back with commentary requiring repairs be made before t...
Why take 15 when you can have 30?
Hear me out before you protest, but taking a 30-year loan is the smartest thing you can do in...
Before you say, 'I Do'
Congratulations on your engagement! You probably want to begin your wedded life of bliss by buying...
Defining "my" money
Since this has come up five times in the past two weeks, it’s time to review the source of funds for...
Home Ownership: What you need to know now
On-line home shopping website Trulia has recently produced a Rent versus Buy Report. Their findings...
It's taking forever!
You’d think that all the new automation in mortgage lending would make things easier, right? Faster?...
Is this normal?
Nobody pays attention to mortgage lending for fun. No matter how much information is “out t...
Buying investment property
Have you ever wanted to be a land baron? There are still some “deals” to be had in the housing mar...
Odds and ends
For all my hoopla about VA loans lately, here’s something to consider if you want to use yours: I...
VA loans are good
Why are realtors and sellers wary of buyers using a VA loan? They shouldn’t be. Let’s bust some myt...
Pre-qualify before you list
“Don’t touch anything! We shouldn’t be looking at a $300,000 house!” That’s what Mrs. Buyer sai...
Other people's money
Leverage is good. If you can afford the repayment terms, using other people’s money can be a s...
What matters most?
le, and no doubt you’re receiving postcard and phone solicitations daily. Before you give in to t...
