Meet Pablo Icecream bar, our client who is considering refinancing and generously allowed us to look at his loan options. Should he go for it?

There’s a reason why the big lenders with expensive advertising campaigns almost universally have fees included in their advertised rates, but I personally find it to be unhelpful at best and deceptive at worst.

I was in prison for 5 years starting in 2019 (fraud case- nothing violent or weird) I haven’t had tax returns from a W2 job since 2017. I started a new W2 job in early December 2024 that should give me enough income for the property I want. How can I get approved? Everyone I talk to doubles down on needing a 2 year work history.

More mortgage lenders are asking borrowers to pay up front for their credit report rather than at closing. Here’s how it ultimately saves you money and why.

I used to lie to my clients and say I didn’t offer construction loans before I learned how to navigate the process without driving everyone crazy. Avoiding some common mistakes will help you stay on budget

No, a screenshot won’t work. How to turn in the correct document format for your bank accounts, and why we can’t just use what you already sent in

I really don’t want to talk to a lender yet, but I want an idea of how much mortgage I could qualify for- how do I figure that out?

I get it, you’ve never heard of Canter. But maybe that’s a good thing- why an independent broker can benefit you versus the big advertising spenders.

We love VA loans, but there are a couple gotchas that can pop up- here are some lessons we have learned over the years

It’s Schroedinger’s credit score- did observing your score change its state?

I have an awesome credit score, why is someone else getting a better interest rate?