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Welcome change coming to credit reports!

Medical collections can really decrease a client's credit score, but starting next month, once they have paid off the collection it will no longer be included on credit reports. Also...


Can all of the down payment come from a gift and who can be the donor?

Single-family homes, ANY funds needed for the down payment, and/or closing costs can come from a gift.


Is it possible to lock a rate BEFORE the client finds a house?

Here's what I tell clients multiple times a week...those credit scores are worth what you pay for them, which is nothing!


How accurate are those credit scores on my credit card statements, Credit Karma, etc?

Here's what I tell clients multiple times a week...those credit scores are worth what you pay for them, which is nothing!


How much would raising rates cool off the housing market?

It turns out the Fed has been stimulating the economy for far longer than they should have and now find themselves far behind the curve, and it's a painful adjustment, but one that if you really think about it shouldn't be taking people by surprise.


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