How to Save for a Down Payment While Working in the Gig Economy

Set a Budget The very first thing any future homebuyer should do -- regardless of their career structure -- is to set a monthly budget. This enables you to determine how much you are capable of puttin...

How COVID-19 Has Shifted the US Economy

As stay-at-home orders were put into place; the U.S. quickly shifted into a work-from-home economy and the use of video conference calls for remote work boomed.  Stanford economist Nicholas Bloom rece...

The Best Time of Year to Buy a Home – Seasons and Timing

The Best Times and Months of Year to Buy a House Fall According to a Zillow analysis of 2016 listing and sales data, 26% of buyers paid above list price in April while in November, just 15% of homes...

How Rising Rates Will Affect You

Interest Rates are Going Up The March jobs report marks one year since the first pandemic job losses, and even with the improving job numbers, the number of employed Americans is not expected to retur...

Pros and Cons of Rising Interest Rates

Pros of Rising Interest Rates To help battle high inflation in 1981, the Fed raised interest rates to an astronomical 19%. The move was ultimately successful. However, in the interim, those with savin...

The Self-Employed Mortgage Access Act

The ranks of self-employed individuals are growing, leading to a greater awareness of the financial challenges facing people who are their own bosses. While companies that take advantage of "gig" hiri...

Sharp Drop in Rates Spark Jump in Applications

The combination of lower mortgage rates and an unusually slow end to 2018 caused mortgage applications to surge to start this year. Overall volume jumped 23.5 percent last week from the previous week,...

Mortgage Rate Predictions for 2022

The Fed is Fighting Inflation – Expect to see Rates Climb First, what is the Federal Reserve? The Federal Reserve (Fed) is the central bank of the United States that serves to regulate the U.S. bankin...

Smart Series: What You Need to Know About Our Non-Qualified Mortgages

What is a Non-Qualified Mortgage (Non-QM Mortgage)? Simply put, non-qualified mortgages = non-traditional borrower options. Non-qualified mortgages (non-QMs) are ideal financing solutions for borrower...