As long as the rate is good, it doesn't really matter who does the loan. Right? Wrong. It does matter. It matters when you (or, more likely, I) get the call saying "Umm. We're not going to close on time." Seriously. I get some variation of this call far too often. Sometimes it leads to a wildly stressful closing day, postponing and rescheduling the close time, wondering if the funds are going ... Read More

I know, I know. You hear all of those commercials. “Consolidate your debt.” “Refinance to one low payment.” And even “Your house is your bank.” It all seems so easy. Refinance your home and all of your “debt” goes away. But I see the other side. People come to me because it’s time to sell their homes, and I’m the one who has to tell them that they probably can’t sell it for enough money to cover what ... Read More