OK, let’s talk about rates. Let’s face it, when it comes to getting a mortgage, everyone wants the “lowest rate”. I mean, why not save a few pennies, right?Sure, a low rate is important, but choosing your mortgage and lender based on rate alone can be a BIG mistake. With that in mind. Here are 4 factors to look for beyond a “good rate”. If you're looking for a top-notch loan officer in Houston, call us at (713) 961-5363 or visit www.thespiegelgroup.net.

Ok, today we are going to talk about a few ways to save money in under 30 minutes. After all, saving money doesn’t have to be time-consuming. Here are 5 quick and easy ways to start saving right now… If you are looking for a top-notch loan originator in Davie call us at, 954-907-8963.

Have you ever wondered if the way you habitually think is helping or hindering your ability to attract wealth and prosperity? Well, recent studies indicate that we can actually unwittingly sabotage our ability to achieve financial security. Here are 5 wealth-repelling attitudes to steer clear of. If you're looking for a top-notch loan officer in Houston, call us at (713) 961-5363 or visit www.thespiegelgroup.net.

Ok, today we are going to talk about 5 ways to pay for home improvements. Have you been considering a home improvement project lately? Maybe you’d like to add an extra room, more floorspace to your home, or simply update your kitchen and bathroom. Whatever your plans, you first have to decide how you’re going to pay for it. Here are 5 ways to fund your next renovation or home improvement project. If you're looking for a top-notch loan officer in Houston, call us at (713) 961-5363 or visit www.thespiegelgroup.net.

Ok, today we are going to talk about 5 ways you can win the bidding war. If you’re house shopping in a competitive market, you’re likely to encounter a bidding war. Unfortunately, bidding wars can be frustrating, expensive and time consuming. However, it’s still possible to get the house you want. Here are 5 ways to win a bidding war. If you're looking for a top notch mortgage broker in Toms River, call us at (732) 904-7856.

Ok, today we are going to cover 5 steps for determining how much home you can afford to buy. Buying a home involves lots of decisions…
• condo or single family?
• big or small?
• inner city or suburban?
• new or old?
But the biggest and most important decision is: how much can I afford? Here are 5 steps to figure out home much home you can afford. If you're looking for a top notch mortgage broker in Toms River, call us at (732) 904-7856.

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're looking for a top notch mortgage broker in Toms River, call us at (732) 904-7856.

Ok, today we are going to talk about how to avoid being house-rich, but cash-poor. Being house-rich and cash-poor means you have more equity in the value of your home than you have in liquid assets. Or, your debt-to-income ratio is higher than 40%. Home ownership is a sound financial decision that helps build future stability. But it can also lead to hardship if you take on a financial commitment you can’t realistically afford. Here are 5 steps to avoid becoming house-rich but cash-poor. If you're looking for a top notch mortgage broker in Toms River, call us at (732) 904-7856.

Choosing the best mortgage from all the available lenders out there can be complicated. There are so many terms, features, restrictions and potential penalties to keep in mind. But at least mortgage rates are easy to compare—all you have to do is choose the lowest one, right? Think again! Choosing the lowest rate is only straightforward if all the rates are stated the same way and include the same things. Here are a few "insider secrets" you need to be aware of. If you're looking for a top-notch mortgage broker in Barrie, call us at (416) 427-4391.

Ok, today we are going to talk about how to buy a home, even if you have bad credit. Obviously, if you have good credit, it’s easier to qualify for a mortgage. But that doesn’t mean home ownership is out of reach if you have bruised credit. Here are 5 ways to qualify for a mortgage (even if you have less than perfect credit). If you're looking for a top-notch mortgage broker in Barrie, call us at (416) 427-4391.

Ok, today we are going to talk about 4 ways to sell your house quick, without compromising on a fair price. In most markets, spring is the #1 time of year for selling homes and fall comes in at #2. But no matter when you’re planning to sell your home, don’t despair! Here are 4 ways to sell your house quickly. If you're looking for a top-notch mortgage broker in Barrie, call us at (416) 427-4391.

Ok, today we are going to talk about 4 ways to get the lowest possible refinance rate. If you’re thinking about refinancing, there are ways to make your rate even lower than you think. Here are 4 ways to make sure you get the lowest possible refinance rate. If you're looking for a top-notch mortgage broker in Barrie, call us at (416) 427-4391.

OK, today we’re going to talk about how to achieve your goals… Any chump can set a goal. But it takes a champ to achieve it! So, what separates the champs from all the rest? I’m glad you asked. Here are 5 simple steps to achieve any goal… If you are looking for a top-notch loan originator in Davie call us at, 954-907-8963.

Renovating your home can be an effective way to increase its resale value. But not all renovations are created equal—and none are guaranteed to repay 100% of their cost. However, by renovating strategically, you can increase your selling price enough that a significant portion of the renovation costs are passed on to the future owner. Here are the Top 10 renovation projects, ranked by average payback as a percentage of cost... If you are looking for a top-notch loan originator in Davie call us at, 954-907-8963.

Ok, today we are going to talk about the added costs that most homebuyers don’t realize when purchasing a home. Your home is probably the biggest purchase you’ll ever make. But the expenses don’t stop with the price. Here are some additional costs you need to budget for. If you're looking for a top-notch mortgage advisor in Laguna Niguel, call us at (949) 290-3952.

OK, today we’re going to talk about how to achieve your goals. Any chump can set a goal. But it takes a champ to achieve it! So, what separates the champs from all the rest? I’m glad you asked. Here are 5 simple steps to achieve any goal. If you're looking for a top-notch mortgage advisor in Laguna Niguel, call us at (949) 290-3952.

Ok, today we are going to talk about a few ways to save money in under 30 minutes. After all, saving money doesn’t have to be time-consuming. Here are 5 quick and easy ways to start saving right now. If you're looking for a top-notch mortgage advisor in Laguna Niguel, call us at (949) 290-3952.

Renovating your home can be an effective way to increase its resale value. But not all renovations are created equal—and none are guaranteed to repay
100% of their cost. However, by renovating strategically, you can increase your selling price enough that a significant portion of the renovation costs are passed on to the future owner. Here are the Top 10 renovation projects, ranked by average payback as a percentage of cost. If you're looking for a top-notch mortgage advisor in Laguna Niguel, call us at (949) 290-3952.

Ok, today we are going to talk about saving for a down payment and how to know when you can afford to buy a home. Experts say the cheapest, most efficient way to buy a house is to make a 20% down payment. But today, that’s a huge amount of money! Here are 4 factors to consider when determining if you can afford to buy. If you're looking for a top-notch mortgage advisor in Laguna Niguel, call us at (949) 290-3952.

Many of the world’s wealthiest people got that way by investing in real estate. But it’s difficult to come up with the hefty 20% down payment required to buy an investment property. Here are 6 ways to make investing in real estate more affordable. If you're looking for a top-notch mortgage advisor in Laguna Niguel, call us at (949) 290-3952.