⁣It may be tempting to look at today’s relatively low mortgage rates and consider refinancing to get a better rate. Certainly, if your existing rate is significantly higher than today’s rates, this might make economic sense. But, before you decide, here are a few tips to consider... ⁣If you are looking
for a top-notch mortgage advisor in Braunfels call us at, 210-279-4392

⁣Ok, today we are going to talk about when and why to refinance your mortgage… There are lots of good reasons to refinance your mortgage. But it’s important to remember that refinancing is only worthwhile if your situation and needs meet certain criteria. Here are 4 reasons to consider refinancing… ⁣If you are looking
for a top-notch mortgage advisor in Braunfels call us at, 210-279-4392

⁣Deciding when to refinance your mortgage can be a tricky decision. Is now a good time to refinance? Unfortunately, there’s no easy answer to that question. Here are a few important factors to consider BEFORE you refinance… ⁣If you are looking
for a top-notch mortgage advisor in Braunfels call us at, 210-279-4392

⁣Before you consider refinancing your existing mortgage, it’s important for you to determine the break-even point, which represents how soon the cost of the refinance will be recaptured through lower monthly payments. The answer to this question depends on multiple factors. Here's what you need to know before refinancing... ⁣If you are looking
for a top-notch mortgage advisor in Braunfels call us at, 210-279-4392

⁣Before you consider refinancing your existing mortgage, it's important for you to determine the break-even point, which represents how soon the cost of the refinance will be recaptured through lower monthly payments. The answer to this question depends on multiple factors. See the factors here: ⁣If you are looking
for a top-notch mortgage advisor in Braunfels call us at, 210-279-4392

⁣Get ready – today we’re about to shatter a few common refinancing myths that may shock you… Refinancing your mortgage can save you money, give you more flexibility and free up cash for other projects. But many people hesitate to even inquire about refinancing because they’ve bought into these common myths. Here are 6 common refinancing myths every homeowner needs to know… ⁣If you are looking
for a top-notch mortgage advisor in Braunfels call us at, 210-279-4392

⁣Ok, today we are going to review everything you need to know about second mortgages… What is a second mortgage? A second mortgage is an additional loan taken out on a property that’s already mortgaged. Second mortgages are riskier for lenders than first mortgages because they’re in second position on your property's title. As a result, the interest rate on second mortgages is higher. Here’s what you need to know about second mortgages… ⁣If you are looking
for a top-notch mortgage advisor in Braunfels call us at, 210-279-4392

⁣Ok, today we are going to talk about refinancing your mortgage and how you can speed up the process… Whether you’re refinancing to access extra cash or lock in a rate before they rise further, you want things to happen quickly. Here are 6 steps to refinancing (and how to speed up the process)… ⁣If you are looking
for a top-notch mortgage advisor in Braunfels call us at, 210-279-4392

⁣Ok, today we are going to talk about alternative lending and how it can help people who normally wouldn’t qualify for a mortgage… According to a recent study, up to 20% more borrowers are being rejected by traditional lenders since the Government of Canada introduced its new mortgage stress tests. Here’s what every borrower needs to know about alternative lending… ⁣If you are looking
for a top-notch mortgage advisor in Braunfels call us at, 210-279-4392

⁣⁣Ok, today we are going to talk key things to know about buying a new construction home… Buying a new construction home offers many advantages: customization, energy efficiency, no worn-out systems to replace. But sometimes it’s not as simple as buying an existing home. Here are 7 things you need to know about buying a new construction home….⁣If you are looking
for a top-notch mortgage advisor in Braunfels call us at, 210-279-4392

⁣Ok, today we are going to talk about how to buy a house in a seller’s market… In a seller’s market—when there are more buyers than homes for sale—it’s not easy to get your offer accepted. Sellers may have so many options that they prefer to accept only unconditional offers that eliminate delays or possible hiccups. Here are 9 tips to make your offer stand out… ⁣If you are looking
for a top-notch mortgage advisor in Braunfels call us at, 210-279-4392

⁣Ok, today we are going to talk about 5 advantages of making a 20% down payment… With houses being so expensive, coming up with a 20% down payment isn’t easy. Some buyers consider making a 20% or more down payment in order to avoid paying for mortgage insurance, which increases monthly payments. Here are 5 excellent reasons to pay 20% down (if possible)… ⁣If you are looking
for a top-notch mortgage advisor in Braunfels call us at, 210-279-4392

⁣Ok, today we are going to talk about how to calculate how much house you can afford. Before starting to look for that perfect home, take a close look at your finances. The reality is your dream home will remain a dream if you can’t afford it. Here’s 6 steps to calculate how much house you can afford…If you are looking for a top-notch mortgage advisor in Braunfels call us at, 210-279-4392

⁣Ok, today we are going to talk about 5 financial tips for after you purchase your first home… Home ownership can be a huge step toward financial security. But it’s not the ONLY step. All the budgeting and financial planning you did to buy your first home are essential life skills that will help you achieve other equally important goals. Here are 5 tips to help first-time buyers keep overall finances on track… ⁣If you are looking
for a top-notch mortgage advisor in Braunfels call us at, 210-279-4392

⁣Ok, today we are going to talk about 3 things you need to do before house hunting… Finding for your dream home is a lot easier if you get your finances in shape before you start looking. If you’re thinking about buying within the next year, now’s the perfect time to start preparing. Here are the first 3 steps to take before house hunting… ⁣If you are looking
for a top-notch mortgage advisor in Braunfels call us at, 210-279-4392

⁣Ok, today we are going to talk about how your student loans can affect the home buying process… If you’re a first-time buyer, chances are you may have student loan debt. But that doesn’t mean you can’t qualify for a mortgage. Student loans don’t affect your ability to get a mortgage any more than credit card debt or a car loan. Here’s what you need to know… ⁣If you are looking
for a top-notch mortgage advisor in Braunfels call us at, 210-279-4392

⁣Ok, today we’re going to talk about three things NOT to buy while prices are high… As the economy rebounds or booms, prices on everything from clothing to computers can rise. Consumers feel confident spending and the resulting demand feeds inflation. On top of that, if there were any supply-chain interruptions or delays in the past (like what we experienced during COVID-19), these shortages drive up prices even further. During any temporary period of high prices here are 3 especially expensive things to put off buying… ⁣If you are looking
for a top-notch mortgage advisor in Braunfels call us at, 210-279-4392

⁣Ok, today we are going to talk about how to create or update your home office space… The COVID pandemic introduced many of us to working from home. And regardless of being in a pandemic or not, many of us will continue to and have been working from home already. So now’s the time to make your home office as efficient, comfortable and uplifting as possible. Here are 6 ways to make your home office work better… ⁣If you're looking
for a top-notch mortgage broker in LaGrange, call us at (706) 302-9016.

⁣Ok, today we are going to talk about how to rebuild your finances if you’ve suffered from financial abuse… Being in an unhealthy relationship could be emotionally, physically, or even financially damaging. And according to recent statistics, 99% of domestic violence also includes financial abuse. Here’s what to do if you’re in a financially abusive situation, or if you’re recovering from one… ⁣If you're looking
for a top-notch mortgage broker in LaGrange, call us at (706) 302-9016.

⁣Ok, today we are going to talk about how to convert a construction loan into a traditional mortgage… If you’re planning to build a house or do a major renovation, you usually can’t qualify for a traditional mortgage because there’s no existing home to use as collateral. What you need is a construction loan, which is based on the projected future value of the completed property. Generally, construction loans are interest-only while the house is being built. Then when construction is complete, you refinance into a regular mortgage. Here’s how the process works… ⁣If you're looking
for a top-notch mortgage broker in LaGrange, call us at (706) 302-9016.