Welcome to our site!

Thank you for stopping by our mortgage web site.  Even though we have taken special care and consideration to pack this online resource with a wealth of knowledge about the mortgage and real estate process, we want ...

8 Questions Your Lender Should Answer About Mortgage Rates

Simply checking online for today's posted rate may not lead to your expected outcome due to the many factors that can cause each individual rate and closing cost scenario to fluctuate. We can preach communication ...

How Much Can I Afford?

How much mortgage money can I qualify to borrow? This is typically the number one question mortgage professionals are asked by new clients. Of critical importance when considering mortgage financing: There is sometimes a difference between what a client ***can*** borrow and what they ***should*** borrow. In other words, what makes for a comfortable long-term mortgage payment? The Quick Answer: If we're simply considering the financial math, lenders will calculate your Debt-to-I ... Read More...

Four Possible Reasons To Refinance

A mortgage is generally the largest debt most homeowners have to manage.  It's a good idea to give your personal real estate finance portfolio a check-up at least once a year. Since there are many reasons a ho ...


Latest Blog Posts

It's Official, New Jersey Fixed Mortgage Rates Sink to Lowest on Record

It's Official, New Jersey Fixed Mortgage Rates Sink to Lowest on Record!  I just read this article about Low Mortgage Rates at http://www.dsnews.com ...

What Do New Jersey Appraisers Look For When Determining A Property's Value?

Most people are surprised to learn what New Jersey appraisers actually look at when determining the value of a real estate property. A common misco ...


Really Low Mortgage Rates

http://youtu.be/6iRIYRJYIXw Mortgage interest rates fell to the lowest levels on record this week! Mortgage rates have fallen in recent weeks in response to turmoil on Wall Street which makes this a great ...

Seven Things Your Agent Should Know About Your Mortgage Approval

While many experienced real estate agents in New Jersey and New York have a general understanding of the mortgage approval process, there are a few important details that frequentl ...


Birthday Celebration and Low Mortgage Rates

I'm having a celebration because it's my birthday and because mortgage rates are really low. Whether you are looking for a FHA, Conventional or a Jumbo mortgage, now is the time to ...

Home Buyer University Free Online Workshops for Home Buyers

Visit our Home Buyer University Free Online Workshops! FreeOnlineWorkshops.com Here you will find a growing library of workshops that you may view completely free of charge wh ...


Government Policies Stifle Home Sales & Deflate Home Values

My friends Frank and Brian talk about the Fed Rule and many other recent Government policies and codes that have essentially stifled home sales and values. NAMB and NAIHP work ...

Senators Rally to Delay LO Compensation Fed Rule

Senators Rally to Delay LO Compensation Fed Rule Senators Jon Tester and David Vitter call to delay Federal Reserve LO compensation rule. The “Slush Fund” is the new way to de ...


Bank of America BLOCKS TBWS Daily Show from Loan Officers

B of A has no love for my friends Frank and Brian, not to mention their loan officers. NAIHP files lawsuit against the Federal Reserve to stop or postpone the Fed Rule. Bank of Ame ...

Bachus Says Dump Modification Programs

NAR’s Yun says existing home sales are up but tight credit still holding back buyers. Spencer Bachus calls to dump HAMP, NSP and other ineffective Government programs. Bachus Sa ...