Should I Refinance?

Should I refinance?  This is a question I get asked quite often and typically what surprises me most is what sparks the interest.  I get a lot of calls from my past clients when they receive one of those ridiculous mail offers that pretend to be either some top secret government refinance program or someone […] Read more »

Charlotte Mortgage Refinance

Are you looking to refinance your mortgage loan?  Refinancing can save you thousands of dollars but it is NOT free and might not make sense.  Everyone should not refinance their loan just because interest rates are a little lower.  Let’s take a look at a few examples of what makes sense and what doesn’t! Read more »

The Truth about Mortgage Rates Part 3

Mortgage Rates

The Federal Reserve or “FED” does NOT directly set mortgage rates. I know its a shocker, but the media is usually all wrong when talking about what moves rates. You have probably heard it mentioned on the evening news that rates are higher because of the “FED” but this is actually all wrong and many […] Read more »

Charlotte Mortgage Rates are LOW!

Mortgage rates have been remarkably low for some time now, but many “experts” thought they would be higher by now.  I am not going to go too far into the subject of what drives rates because that is a whole different topic, but in general the economy drives rates.  If the economy is really good […] Read more »

USDA loans in Charlotte NC

USDA Rural Housing loans are obviously for rural areas, but what the USDA deems rural is not always that obvious! Most people think that you can only use these great loans out in the country, where the deer and the antelope play. That is not exactly true, and while you won’t be buying any plush […] Read more »