We have released three free ACT Courses as YouTube playlists! OFAC & Other Exclusionary Lists, Will it RESPA, and Flood Insurance Requirements are all available below and on our YouTube channel here!

With the rise in mortgage interest rates, more and more consumers are looking for ways to bring affordability back into the home-buying picture.  One product to consider is ARM loans, or Adjustable Rate Mortgages.  These were very popular before the...

Recently Freddie Mac did something kind of interesting. They released a guideline update for some specific changes to how they look at Accessory Dwelling Units.

Rate buydowns provide a way to “buy” a lower interest rate than what the market is currently offering.  There are fees involved, but it could be a worthwhile investment if you plan to be in the home for 5 or more years.

As the mortgage market fluctuates and interest rates continue to rise, you may be hearing more people talking about Prime.  So what is it exactly, and how does it affect the average consumer? 

A HELOC or Home Equity Lines of Credit is a second mortgage that allows the borrower to pull equity out of their home, without refinancing their first mortgage.  If a borrower has a low-interest rate on their mortgage but is looking to pull out some...

From the outside, the fact that massive federal training requirements are placed on nonbank LOs but not LOs at depository institutions can feel a little unfair. But is it?

A recent headline from the Dallas Fed seems to have caused many to worry over whether or not we are in a housing bubble. To be clear, we don’t believe that this is a bubble. We agree with the recent housingwire article on this subject that while...

Early this month, we watched as refis dipped below 50 percent, and with rates continuing to rise, many have declared the death of the refi era. Last year, rising home prices led to the highest level of cash-out refi's since 2005, with lenders...

"Love letters" written by potential home buyers are, once again, allowed in Oregon. While they are a common part of the home buying process, some in the industry view them as lawsuits waiting to happen. Did you use a love letter when you bought your...