This spring I handed house keys to a first time buyer who’d been dreaming  of owning his own home for over ten years.  In fact he’d been (more…)

When you get approved for a home mortgage you should ask, “What are my closing costs?”  You should see them in writing.  Interest rates are important, but your ‘closing costs’ are equally important.  If you have a rate of 5% on a $300,000 loan with closing costs of $9000 quoted from one bank and you have a rate of 5.5% with 0 closing costs from another bank which is better? (more…)