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March 2021 Market Update

Photo by The Lazy Artist Gallery from Pexels The mortgage and real estate housing markets have been on a slight increase in March 2021. With businesses reopening and glimpses of a return to normalcy, there is a strong purchase demand. Since January, rates have increased by half a percentage point from the historic lows due to the pandemic. […]

3 Reasons Why Your Debt-to-Income Ratio is Importa...

Photo by olia danilevich from Pexels Your debt-to-income ratio is a simple calculation of adding up your monthly debt and dividing it by your gross income. But why is your debt-to-income ratio – also called DTI – so important? Here are three reasons.   Debt-to-Income Ratios Indicate Financial Stability The first thing to reference is how your DTI […]

Ultimate Guide to Refinancing

Photo by tamil king from Pexels Are you looking to reduce your monthly mortgage payments, lower your interest rate, pay off your loan faster? If you answered yes to any of these questions, then refinancing may be right for you! With rates as low as they’ve been in years, for many Americans, now is the time to start […]

Understanding the Housing Market

Photo by Valeriia Miller from Pexels With the beginning of the new year, many people are looking into the home buying or refinancing process. This raises many questions about how the market looks and if now is the right time to make a decision. You’ll hear a lot about the housing market and if now is the “right […]

What is Mortgage Insurance?

Photo by Anthony Shkraba from Pexels If you’ve been thinking about buying a home or have friends who have purchased their own homes, you may have heard the term mortgage insurance or PMI before. What is mortgage insurance? We’ll use the rest of the article to dig into that.   What is Mortgage Insurance? Before we talk about […]