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๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐˜„๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐—๐—ฎ๐—ป๐˜‚๐—ฎ๐—ฟ๐˜† ๐Ÿฎ๐Ÿฐ, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฎ

๐—ฅ๐—ฒ๐—ฐ๐—ฎ๐—ฝ ๐—ผ๐—ณ ๐—น๐—ฎ๐˜€๐˜ ๐˜„๐—ฒ๐—ฒ๐—ธ: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐˜€๐—น๐—ถ๐—ด๐—ต๐˜๐—น๐˜† ๐˜„๐—ผ๐—ฟ๐˜€๐—ฒ ๐Ÿ‘Ž
Average mortgage rates ended last week just slightly worse, improving as the week went on after opening Tuesday with worse rates (markets were closed Monday in observance of MLK Day). Mortgage rates have moved higher to start the year as the economy and labor market return to pre-pandemic levels.

๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—™๐—ผ๐—ฟ๐—ฒ๐—ฐ๐—ฎ๐˜€๐˜: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ฐ๐—ผ๐˜‚๐—น๐—ฑ ๐—ฏ๐—ฒ ๐˜ƒ๐—ผ๐—น๐—ฎ๐˜๐—ถ๐—น๐—ฒ โš ๏ธ
Mortgage rates should be stable and possibly slightly better to start the week, but Wednesday's Fed meeting policy statement and press conference are likely to cause volatility. It is a good idea to stay in contact with your mortgage professional this week, especially if you are at a point in your mortgage process where you are considering locking.

๐Ÿ—“๏ธ ๐—ช๐—ต๐—ฎ๐˜'๐˜€ ๐—ฎ๐—ณ๐—ณ๐—ฒ๐—ฐ๐˜๐—ถ๐—ป๐—ด ๐—ฟ๐—ฎ๐˜๐—ฒ๐˜€ ๐˜๐—ต๐—ถ๐˜€ ๐˜„๐—ฒ๐—ฒ๐—ธ:
- Fed Meeting: This week's Fed meeting is likely to cause rates to move, with a higher likelihood that rates could get worse rather than improve. Investors will be looking for signs of how aggressive the Fed will be in fighting inflation, as well as signs of when the Fed will begin reducing its balance sheet.
- Concerns over Russia and Ukraine: Escalating tension in the region is pushing investors to take a risk-off stance, helping bonds to improve which helps mortgage rates.

#mortgages #mortgagerates #realestate #mortgageinterest #homebuyingtips #realestateadvice #refinance
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๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐˜„๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐—๐—ฎ๐—ป๐˜‚๐—ฎ๐—ฟ๐˜† ๐Ÿฎ๐Ÿฐ, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฎ

๐—ฅ๐—ฒ๐—ฐ๐—ฎ๐—ฝ ๐—ผ๐—ณ ๐—น๐—ฎ๐˜€๐˜ ๐˜„๐—ฒ๐—ฒ๐—ธ: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐˜€๐—น๐—ถ๐—ด๐—ต๐˜๐—น๐˜† ๐˜„๐—ผ๐—ฟ๐˜€๐—ฒ ๐Ÿ‘Ž 
Average mortgage rates ended last week just slightly worse, improving as the week went on after opening Tuesday with worse rates (markets were closed Monday in observance of MLK Day). Mortgage rates have moved higher to start the year as the economy and labor market return to pre-pandemic levels.

๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—™๐—ผ๐—ฟ๐—ฒ๐—ฐ๐—ฎ๐˜€๐˜: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ฐ๐—ผ๐˜‚๐—น๐—ฑ ๐—ฏ๐—ฒ ๐˜ƒ๐—ผ๐—น๐—ฎ๐˜๐—ถ๐—น๐—ฒ โš ๏ธ 
Mortgage rates should be stable and possibly slightly better to start the week, but Wednesdays Fed meeting policy statement and press conference are likely to cause volatility. It is a good idea to stay in contact with your mortgage professional this week, especially if you are at a point in your mortgage process where you are considering locking.

๐Ÿ—“๏ธ ๐—ช๐—ต๐—ฎ๐˜๐˜€ ๐—ฎ๐—ณ๐—ณ๐—ฒ๐—ฐ๐˜๐—ถ๐—ป๐—ด ๐—ฟ๐—ฎ๐˜๐—ฒ๐˜€ ๐˜๐—ต๐—ถ๐˜€ ๐˜„๐—ฒ๐—ฒ๐—ธ:
- Fed Meeting: This weeks Fed meeting is likely to cause rates to move, with a higher likelihood that rates could get worse rather than improve. Investors will be looking for signs of how aggressive the Fed will be in fighting inflation, as well as signs of when the Fed will begin reducing its balance sheet.
- Concerns over Russia and Ukraine: Escalating tension in the region is pushing investors to take a risk-off stance, helping bonds to improve which helps mortgage rates.

#mortgages #mortgagerates #realestate #mortgageinterest #homebuyingtips #realestateadvice #refinance
Many people have a love/hate relationship with organizing their homes. If that sounds familiar, you are not alone!

While thereโ€™s no guarantee youโ€™ll enjoy the process of organizing your home, these tips are sure to leave you and your living space refreshed. The question is, where to begin? Lets start with the garage. 

Often, the garage serves as more than a place to store the car. It can house holiday decor, sporting items, buckets of memories, and lots of tools and equipment. 

Do you have extra wall space?

Hang tools and bikes on the wall for added space and categorize your items with shelves and bins. 

Do you have items you havent touched in years? 

Throw away or donate items you no longer use or need. 

Is there anything that can be moved to a crawlspace?

Make seasonal switches and find a system that works for your lifestyle. 

The most important thing to remember, regardless of your method, is to finish what you start! I am here to help you along the way.
New 5.0-star Review: Audra is absolutely AMAZING! Sheโ€™s professional, timely and trustworthy. She takes all the stresses of buying a home away with her genuine personality. Look no further as Audra is simply the best. I highly recommend her for all your mortgage lending needs!

Comment on Facebook

Thank you so much Shayne! I sincerely appreciate your kind words. Your entire family is amazing and thank you for putting all your trust in me to help with your home financing ๐Ÿ™‚

Most people will spend more time this year planning their vacations than their futures. It is easy to say you will deal with things as they occur, but getting older is one thing none of us can avoid. Time is the singular most valuable component when planning for your future financial well-being, and it is something we cannot get back.

Socking away a small percentage of your income into a 401K or similar plan is a good start, but it is not enough. You also need a comprehensive look at your goals. 

Your mortgage plays a vital role in your financial planning, and it is important to take stock of it accordingly. If you would like to learn more about taking a productive view of your loan, we are always happy to help.
LLPAs are upfront premiums added to the cost of a loan to account for circumstances that are perceived to increase risk. High loan to value ratio, credit score, property type, occupancy and the various combinations of these factors impact LLPAs.

For example, a borrower with a high credit score who purchases a single family home as a primary residence with a 30% down payment will likely be subject to few, if any, LLPAs. A lower credit score buyer using a small down payment to buy a condo may incur several LLPAs.

LLPAs are one reason why advertised rates rarely tell the full story. Only quotes that take into account all factors for borrowers, property, use and occupancy can be accurate.

Call me whenever you are getting a quote to refinance or purchase and I can guide you in exactly why you are not getting the published rate that so many lenders advertise on the web.

๐Ÿšจ ๐——๐—ผ๐—ป'๐˜ ๐—น๐—ฒ๐˜ ๐˜๐—ต๐—ผ๐˜€๐—ฒ ๐—ผ๐—ป๐—น๐—ถ๐—ป๐—ฒ ๐—ฎ๐—ฑ๐˜€ ๐—ณ๐—ผ๐—ผ๐—น ๐˜†๐—ผ๐˜‚ ๐Ÿ˜ฒ

Rates have moved up higher in recent weeks, but many online ads are still advertising rates that were barely attainable even months ago when rates were at their lowest. ๐Ÿ˜ก

These ads can make you question if you're getting a good low rate, or if you should be looking elsewhere.

๐Ÿ‘‰ ๐——๐—ผ๐—ป'๐˜ ๐—น๐—ฒ๐˜ ๐˜๐—ต๐—ฒ๐—บ ๐—บ๐—ฎ๐—ธ๐—ฒ ๐˜†๐—ผ๐˜‚ ๐—พ๐˜‚๐—ฒ๐˜€๐˜๐—ถ๐—ผ๐—ป ๐˜†๐—ผ๐˜‚๐—ฟ๐˜€๐—ฒ๐—น๐—ณ. If I'm quoting you an interest rate, you can count on it being attainable and being a low rate for the current rate environment. You don't have to fear you'll overpay or be taken advantage of when you work with me, and you can be assured that the rates I quote you are not bait-and-switch rates like these online ads.

While it is true that rates have moved sharply higher recently, we are still seeing some of the best mortgage rates in years. Rates are returning to pre-pandemic levels, as the economy has recovered, and rates are not likely to significantly drop anytime soon.

โœ… ๐—œ๐—ณ ๐˜†๐—ผ๐˜‚ ๐˜„๐—ฎ๐—ป๐˜ ๐˜๐—ผ ๐˜๐—ฎ๐—น๐—ธ ๐—บ๐—ผ๐—ฟ๐—ฒ ๐—ฎ๐—ฏ๐—ผ๐˜‚๐˜ ๐˜„๐—ต๐—ฎ๐˜ ๐—ฟ๐—ฎ๐˜๐—ฒ๐˜€ ๐˜„๐—ผ๐˜‚๐—น๐—ฑ ๐—น๐—ผ๐—ผ๐—ธ ๐—น๐—ถ๐—ธ๐—ฒ ๐—ณ๐—ผ๐—ฟ ๐˜†๐—ผ๐˜‚ ๐—ถ๐—ณ ๐˜†๐—ผ๐˜‚'๐—ฟ๐—ฒ ๐—ถ๐—ป๐˜๐—ฒ๐—ฟ๐—ฒ๐˜€๐˜๐—ฒ๐—ฑ ๐—ถ๐—ป ๐—ฟ๐—ฒ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ป๐—ด, ๐—ผ๐—ฟ ๐—ถ๐—ณ ๐˜†๐—ผ๐˜‚'๐—ฟ๐—ฒ ๐—ผ๐˜‚๐˜ ๐˜๐—ต๐—ฒ๐—ฟ๐—ฒ ๐—น๐—ผ๐—ผ๐—ธ๐—ถ๐—ป๐—ด ๐˜๐—ผ ๐—ฏ๐˜‚๐˜† ๐—ฎ ๐—ต๐—ผ๐—บ๐—ฒ, ๐—ท๐˜‚๐˜€๐˜ ๐—น๐—ฒ๐˜ ๐—บ๐—ฒ ๐—ธ๐—ป๐—ผ๐˜„. I'd be glad to run the numbers for you and to talk about how we can get you a low rate... just maybe not as low as the liar ads you see online.

#mortgages #mortgagerates #realestate #mortgageinterest #homebuyingtips #realestateadvice #refinance
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๐Ÿšจ ๐——๐—ผ๐—ป๐˜ ๐—น๐—ฒ๐˜ ๐˜๐—ต๐—ผ๐˜€๐—ฒ ๐—ผ๐—ป๐—น๐—ถ๐—ป๐—ฒ ๐—ฎ๐—ฑ๐˜€ ๐—ณ๐—ผ๐—ผ๐—น ๐˜†๐—ผ๐˜‚ ๐Ÿ˜ฒ 

Rates have moved up higher in recent weeks, but many online ads are still advertising rates that were barely attainable even months ago when rates were at their lowest. ๐Ÿ˜ก 

These ads can make you question if youre getting a good low rate, or if you should be looking elsewhere.

๐Ÿ‘‰ ๐——๐—ผ๐—ป๐˜ ๐—น๐—ฒ๐˜ ๐˜๐—ต๐—ฒ๐—บ ๐—บ๐—ฎ๐—ธ๐—ฒ ๐˜†๐—ผ๐˜‚ ๐—พ๐˜‚๐—ฒ๐˜€๐˜๐—ถ๐—ผ๐—ป ๐˜†๐—ผ๐˜‚๐—ฟ๐˜€๐—ฒ๐—น๐—ณ. If Im quoting you an interest rate, you can count on it being attainable and being a low rate for the current rate environment. You dont have to fear youll overpay or be taken advantage of when you work with me, and you can be assured that the rates I quote you are not bait-and-switch rates like these online ads.

While it is true that rates have moved sharply higher recently, we are still seeing some of the best mortgage rates in years. Rates are returning to pre-pandemic levels, as the economy has recovered, and rates are not likely to significantly drop anytime soon.

โœ… ๐—œ๐—ณ ๐˜†๐—ผ๐˜‚ ๐˜„๐—ฎ๐—ป๐˜ ๐˜๐—ผ ๐˜๐—ฎ๐—น๐—ธ ๐—บ๐—ผ๐—ฟ๐—ฒ ๐—ฎ๐—ฏ๐—ผ๐˜‚๐˜ ๐˜„๐—ต๐—ฎ๐˜ ๐—ฟ๐—ฎ๐˜๐—ฒ๐˜€ ๐˜„๐—ผ๐˜‚๐—น๐—ฑ ๐—น๐—ผ๐—ผ๐—ธ ๐—น๐—ถ๐—ธ๐—ฒ ๐—ณ๐—ผ๐—ฟ ๐˜†๐—ผ๐˜‚ ๐—ถ๐—ณ ๐˜†๐—ผ๐˜‚๐—ฟ๐—ฒ ๐—ถ๐—ป๐˜๐—ฒ๐—ฟ๐—ฒ๐˜€๐˜๐—ฒ๐—ฑ ๐—ถ๐—ป ๐—ฟ๐—ฒ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ป๐—ด, ๐—ผ๐—ฟ ๐—ถ๐—ณ ๐˜†๐—ผ๐˜‚๐—ฟ๐—ฒ ๐—ผ๐˜‚๐˜ ๐˜๐—ต๐—ฒ๐—ฟ๐—ฒ ๐—น๐—ผ๐—ผ๐—ธ๐—ถ๐—ป๐—ด ๐˜๐—ผ ๐—ฏ๐˜‚๐˜† ๐—ฎ ๐—ต๐—ผ๐—บ๐—ฒ, ๐—ท๐˜‚๐˜€๐˜ ๐—น๐—ฒ๐˜ ๐—บ๐—ฒ ๐—ธ๐—ป๐—ผ๐˜„. Id be glad to run the numbers for you and to talk about how we can get you a low rate... just maybe not as low as the liar ads you see online.

#mortgages #mortgagerates #realestate #mortgageinterest #homebuyingtips #realestateadvice #refinance
One of the cornerstones of good planning is leaving clear instructions. Dying intestate (without a will) leaves your heirs or even the courts to make decisions 
on your behalf. Without a will, chances are good that things would not be done 
the way you would prefer.
 
If youve already taken care of this, kudos. If not, move it to the top of your to do list. If you need a great attorney, dont hesitate to ask. Ill be happy to make a referral.
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