Commercial Mortgages for Small Businesses are a notably animal than Residential Mortgages.  Commercial Mortgages are based on three main criteria but there are many variables that can make those criteria flex based on the lender and their goals.  Yes… the Lender’s goals. In Residential Finance, my goal is to take the borrower’s unique needs and [...]

So you are buying a home or refinancing your current mortgage and all the news about Countrywide is making you wonder if the lender who is processing your loan application or has already approved it will be in business by the end of escrow.  What can be done to make you more comfortable and ensure that you [...]

Florida Homeowners have two main complaints – Taxes and Insurance.  To tell the truth, they’re definitely complaint-worthy.  For the lower and moderate income level homeowners, it is often just as hard to come up with the money to pay the TI as the PI in their PITI payments ( PITI =  Principle Interest Taxes and [...]

Subprime Loans are not inherently wrought with risk and problems.  The issues of the lenders that are currently shut down do not automatically travel down the line to the borrowers with their loans.  The issue is not with the lender but with the loan. “Am I in trouble if I have a Subprime Loan” is [...]

Bad economic news tops every news broadcast with big lenders like American Home Mortgage, Geneva Mortgage, Homebanc and many more completely cease all operations.  This change in the game is leaving many homeowners worried about what is going to happen to them now that their lender is KAPUT!  Do not fret… don’t worry at all… in [...]