If you are self-employed or work as a freelancer, you may be wondering whether buying a home is even possible. The good news? It absolutely is, but you will want to be prepared for a few extra steps in the process. Here are five common questions freelancers ask when it comes to getting a mortgage. What Makes It Harder for Freelancers To Get Approved?Freelancers don’t receive W-2s or paystubs, which means documenting income can be more involved. Instead, lenders look at tax returns, bank … [Read more...]
How Property Taxes Impact Your Mortgage Payment
When buying a home, most people focus on the home price, interest rate, and monthly payment. But there's another major factor that can significantly affect your mortgage: property taxes. These taxes can make your mortgage payment higher than expected and understanding how they work is key to managing your budget effectively. Below, I will break down how property taxes influence your mortgage and what you can do to plan ahead. What Are Property Taxes?Property taxes are local taxes assessed on … [Read more...]
The Impact of Inflation on Mortgage Rates and Home Affordability
Inflation has made a loud and lasting entrance into our daily lives. From groceries to gas prices, everything seems more expensive. One of the most significant areas where inflation leaves its mark is in the housing market, particularly mortgage rates and home affordability. As inflation continues to fluctuate, many potential homebuyers are left wondering how it all connects, and what it means for their financial future. How Inflation Drives Mortgage RatesInflation refers to the rise in the cost … [Read more...]
How to Pay Off Your Mortgage 10 Years Early Without Extra Payments
If you're like most homeowners, the idea of paying off your mortgage early sounds amazing—more freedom, fewer monthly expenses, and peace of mind. But what if you could shave 10 years off your mortgage without making extra payments each month? Sounds too good to be true? It’s not! There are smart strategies that don’t require more money out of pocket, just a little planning and a fresh approach. As a mortgage originator, I have helped many clients explore options that save them … [Read more...]
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