Imagine receiving a gift and having it taken away before you even had the chance to unwrap it. This could be happening in the very near future to everyone who is about to miss this amazing refinance opportunity. Rates are incredibly attractive and provide you with an opportunity to save a very meaningful amount of […]
The Fed’s Confusing Message
You may have recently heard that the Fed announced that they think the Fed Funds Rate will remain at zero through at least 2023. First and foremost, the Fed Funds Rate and Mortgage Rates are two totally different instruments. The Fed Funds Rate can change from one day to another, but a Mortgage Rate may […]
Save Now,… Don’t Wait to Buy a Home
Even with rates at extremely low levels, many are wondering if it’s a good idea to wait and see if rates get better before refinancing. One of the things that’s not often considered is the amount of money that could have been saved while playing the waiting game. Even if rates do improve in the […]
Smart Reasons to Refinance
Yes, rates are lower, but should you refinance? I’ll tell you what, there are lots of reasons to refinance aside from just rate. You know, homes have appreciated quite a bit, so if you’re paying mortgage insurance, let’s get rid of that and save you that money. And because we have seen strong appreciation over […]
How to Improve Your Credit Score
Let’s talk credit. It’s so important. It can determine whether you get that home or not, and save you a lot of money on the rate you’re going to pay if your credit score is good. Of course, you want to make your payments on time, but how can you actually improve your credit […]
Pre-qualification vs. Pre-approval – The Important Difference
Hi, Christopher Graves here with Christopher’s Mortgage Minute. Many people ask about pre-approvals or pre-qualifications – and most of the time people don’t know if there’s a difference. But you know what? There’s a big difference! For a pre-qualification – we look at your credit, and take a look at some of the basics. While […]
Smart Refinance Tips During The Pandemic
You may be considering taking advantage of these historic low interest rates by refinancing your mortgage to lower your monthly payment, consolidate debt, save years of payments, or pull cash out for a cushion. The Mortgage Industry is doing an excellent job of processing transactions under shelter in place. But it’s more important than ever […]
Finding Opportunity During These Challenging Times
Covid-19 has caused a virtual economic shutdown to stop its spread and preserve health. We will defeat this virus and our economy will begin to recover. The economic slowdown will likely cause home values to take a modest dip over the short term. But this should be viewed as an opportunity. Just prior to the […]
Mortgage Forbearance Amid Coronavirus
The Covid-19 Coronavirus has led to some challenging times for all of us. The Government has created the CARE Act, to assist homeowners whose income may have been adversely impacted by the coronavirus. One of the components of the CARE Act is the possibility of mortgage forbearance. Forbearance is often misinterpreted. And while it is intended […]
Fed Rate Cut Does Not Equal Lower Mortgage Rates
You’ve probably heard that the Federal Reserve, also known as the Fed, cut interest rates to zero on the Fed funds rate. There’s a common misconception that the Fed rate matches mortgage rates. Although the Fed rate was dropped to zero, this unfortunately does not mean that mortgage rates are also zero. A Fed rate […]
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