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're looking for top-notch Mortgage Advisor in Concord, call us at (416) 342-1480.

Ok, Today we are going to talk about when an all-cash offer is the right move.Surprisingly, lots of people make all-cash offers on houses. According to one study, up to 29% of single-family home and condo purchases in 2017 were all-cash. Here are the advantages and disadvantages to purchasing a home with all cash... If you're looking for top-notch Mortgage Advisor in Concord, call us at (416) 342-1480.

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 myth severy home owner needs to know... If you're looking for top-notch Mortgage Advisor in Concord, call us at (416) 342-1480.

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 top-notch Mortgage Advisor in Concord, call us at (416) 342-1480.

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 top-notch Mortgage Advisor in Concord, call us at (416) 342-1480.

OK, let's talk about your retirement for a moment.It’s easy to assume there’s an endless list of things standing between you and a secure retirement,including volatile stock markets, stagnant household income, adult children living at home, etc.But in reality, none of those things are as destructive to your retirement savings as what I'm about to show you next. Here are3 threats toa secure retirement... If you're looking for top-notch Mortgage Advisor in Concord, call us at (416) 342-1480.

Ok, Today we are going to talk about how to throw the perfect backyard party this summer. Having the party in the backyard will simplify house cleaning and menu planning. Here’s how to pull it all together in 10 simple steps... If you're looking for top-notch Mortgage Advisor in Concord, call us at (416) 342-1480.

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 top-notch Mortgage Advisor in Concord, call us at (416) 342-1480.

Buying your first home isn’t as simple as visiting a few realtor open houses. What you do before you start shopping can help ensure you make a decision you can comfortably live with for years!If you're looking for top-notch Mortgage Advisor in Concord, call us at (416) 342-1480.

We’ve all heard the stories of massive cost overruns, missed deadlines, shoddy work. No wonder so many people are afraid of renovations. But avoiding such nightmares isn’t difficult. All you have to do is some upfront legwork. Here are 4 things you can do to avoid renovation nightmares. If you're looking for a top-notch loan officer in Houston, call us at (713) 961-5363 or visit www.thespiegelgroup.net.

OK, we’re going to talk about a simple – yet profound – principle that can transform your health and your wealth over time. It’s called the “apple-a-day” principle. Here’s how it works. If you're looking for a top-notch loan officer in Houston, call us at (713) 961-5363 or visit www.thespiegelgroup.net.

As any good real estate professional will tell you, setting the right price for a home is a mix of technical knowledge and intuition. Realtors have to rely on their experience, knowledge and feel for the market. But there’s more to it than that. Here are 4 factors that smart Realtors rely on to set the right listing price. 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’re going to talk about how to get SMART with MONEY. If you’re like most people, you spend a lot of time worrying about money. But worry only makes things worse. Here are 4 common money challenges (and ways to take the worry out of them). 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’re going to talk about the BIG “A” word… AMORTIZATION that is! The length of time it takes you to pay off your entire mortgage is called the amortization. But don’t fall prey to the misconception that a longer amortization is better. In most cases, the opposite is true. Here’s what every homeowner needs to know….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 when an all-cash offer is the right move. Surprisingly, lots of people make all-cash offers on houses.According to one study, up to 29% of single-family home and condo purchases in 2017 were all-cash. Here are the advantages and disadvantages to purchasing a home with all cash. If you're looking for a top-notch loan officer in Houston, call us at (713) 961-5363 or visit www.thespiegelgroup.net.

OK, let's talk about your retirement for a moment. It’s easy to assume there’s an endless list of things standing between you and a secure retirement, including volatile stock markets, stagnant household income, adult children living at home, etc. But in reality, none of those things are as destructive to your retirement savings as what I'm about to
show you next. Here are 3 threats to a secure retirement. 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 3 important steps every borrower should know (and take) before applying for a mortgage. Buying a home and applying for a mortgage—especially if you’ve never done it before—can be scary and complicated. There are so many things to consider. Here are 3 important steps to take when applying for a mortgage. 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 how Airbnb income will help you qualify for mortgage refinancing. Are you renting your home through Airbnb? Or ever thought about it? You might after you read about some of the perks you can get when it comes to refinancing or getting a second mortgage. Here are 6 tips for using Airbnb income when applying for a mortgage. If you're looking for a top-notch loan officer in Houston, call us at (713) 961-5363 or visit www.thespiegelgroup.net.

Please forward this to anyone you care about who has filed for bankruptcy. Many Americans find themselves bogged down with a bad credit rating for the wrong reason -- illness, losing a job, or simply not understanding consumer credit. Sometimes bad financial situations happen to good people and bankruptcy is the only way out. But it's
not all doom and gloom -- there are a number of strategies for putting your credit back on track and getting approved for a mortgage, even after bankruptcy. Going from one financial institution to the next, only to be declined again and again can be very frustrating, which is where an experienced mortgage consultant on your side can make all the difference. Here are 10 factors to consider. If you're looking for a top-notch loan officer in Houston, call us at (713) 961-5363 or visit www.thespiegelgroup.net.

Buying your first home isn’t as simple as visiting a few realtor open houses. What you do before you start shopping can help ensure you make a decision you can comfortably live with for years! Here are 3 essential steps to take before going home shopping. If you're looking for a top-notch loan officer in Houston, call us at (713) 961-5363 or visit www.thespiegelgroup.net.