Holiday Travels

While you are off enjoying your holidays, the last thing you want to worry about is your home and its safety. Here is a quick checklist of things you can do to put your mind at ease. Have a friend you trust pick up your mail and newspapers. Ask them to pick up anything around […]



Benefits to Short Term Mortgages

Considering refinancing? Buying a new home? It maybe worth discussing a 15-year loan instead of a traditional 30-year mortgage. Monthly payments will be higher but your interest rate will be lower and your equity will climb faster. Below I have provided an example for comparison on a $300,000 mortgage with two terms. One 30-year term […]


Energy Pirates

As a homeowner, the largest expenses you will have after you pay your mortgage payment is for energy consumption. Factors that contribute to the amount you will pay are air leaks, amount of insulation, efficiency of your heating and cooling system, water heater(s) and lights. However, some of your appliances can be energy pirates when […]


Are you safe at home?

Everyone wants to feel safe and secure in their home. It is the only place you can truly be you. But we can take our feeling of safety for granted and we do need to remain vigilant about not compromising our safety. Below are some tips to help stay safe. An inviting home invites everyone […]



Mortgage Among Friends & Family

Any lender and any borrower can agree on a set of rates and terms, but the IRS does have certain rules that control this type of transaction specifically when the parties are friends or family. Some of the applicable rules are that the loan must be done in a business-like manner as a written note […]


Down Payment Problem – Are You Sure?

Each year the National Association of Realtors publishes the Home Buyers and Sellers Generational Trends Report. In their latest report, they state that although Millennials are becoming the largest home buying group (34%) they are facing the difficulties of rising rents, rising home prices, student loan debt and flat wages. Today’s would-be buyers feel they […]


Need a CLUE?

It has nothing to do with the table game where you search for a murderer, but you need to get a CLUE report. This report details the insurance claims submitted on your home and car over the past five to seven years. C.L.U.E stands for Comprehensive Loss Underwriting Exchange. CLUE is a database used by […]


Tailored Customer Service

As a business, if you expect to have repeat customers and get recommendations to friends, you must treat customers fair. Nordstrom’s customers understand that their salespeople are employees and represent the company as a whole. In some industries, like real estate, the customer service line is not as clear. An Agency is a legal relationship […]