Welcome to Our Website

First off; thank you for visiting my website.  I put off creating a personal website for the first 15 years of my career because 1) my 2 year old is more tech-savvy than I am, and 2) I just never had the time to research and figure out how to do it… but I finally gave in.  I figured this is essentially the most convenient way for my clients and other professionals that I do business with to read some advice and opinions I may post on occasion, see what’s new with the market and mortgage industry, and simply get some information any time or day, if I’m not available (which is rare!).  I hope you enjoy it.  I’m open to any suggestions or criticism that you think may help make it better since this website is for you.  It’s still somewhat “under construction” so there’s more to come.

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For this first blog I want to briefly touch on what many of my clients have been most concerned with… RATES!  Yes we are seeing rates increase at a pretty rapid pace this year so far, but we are still at historic lows.  We were very spoiled with all-time low rates last year and a few years prior, hitting the low-to-mid 3’s on 30-year fixed mortgages, but those rates weren’t sustainable.  There has to be a balance with everything, so naturally rates had to come back up.  To me, anything under 5% is a great rate!  The interest rate on my first home in 2005 was 6.50% and I work in the industry so there was a discount for that!  There’s no telling what rates will increase to, but experts are saying we may see 5% by the end of 2018.  A 1% rate increase on a $300,000 loan is roughly $175 per month.  Keep that in mind if you are considering purchasing a home or refinancing anytime in the future.  You may not want to wait too long.  Best of luck!