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Are you being penalized for paying your mortgage on time? Over the last couple of years that has been what I hear from several of the people that call me to refinance their current mortgages.  The sentiment is that they see people that fall behind or have other...

Questions and concerns over how much to put down on a home purchase come up time and again with every client I meet with.  Some people come in already knowing they want to put absolutely nothing down, others want the minimum statutory investment, and others want to...

Here we are entering 2012 and like everyone else you are probably making your New Year’s Resolution.  The top ten resolutions across the board every year always have to do with improving yourself.  Maybe it’s quitting smoking, losing weight, lowering your debt or just...

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