Before we start discussing which mortgage is right for you, we must understand the different types of loans available, how they work, and who they fit.

Continue Reading

Credit is also known as “debt” in this country. Unless you have been living under a rock, then you have noticed that this country is run on credit.

Almost all the small and large purchases you make in your lifetime will come into contact with a credit application, and yet has anyone told you what credit is, how it works, why it matters, and how it can work for you? Probably not as in depth as you wish so sit back and listen…

Continue Reading

Everyday we hear something new on the news about what is happening to the housing market across the entire United States.

We see our neighborhoods flooded with “For Sale” signs and vacancies due to foreclosures and yet do we really understand why this is happening and when it will end?

I am convinced that many of you have heard of the term “recession” and many of you believe we are in one, but did you know that we are actually in a housing depression, not recession, and that everything will get worst before it gets better? I am sure by now you are telling yourself, here is another great article that will point the finger and tell me nothing more than what I already hear on TV and this is where I tell you that my job is not to change your mind about who is to blame or persuade you think a certain way. My job is to provide you with the knowledge and tools to be able to think correctly and question what you see on TV because you know the facts and what they mean. Continue Reading