Down Payment Assistance in Georgia and Nevada: Programs I Use & Math
Tuesday, November 10
"Randi, I'd buy, but I just don't have the down payment saved." I hear that almost every week. Here's the good news: both states where I work, Georgia and Nevada, have real money set aside to help with down payment and closing costs. The catch is that every program has its own rules, its own map...
Rates Are Back to Their Lowest Since September. Should You Refinance?
Wednesday, November 04
Every time rates dip, my phone lights up with the same question: "Randi, is it time to refinance?" Rates have eased a bit lately, so let's talk about it honestly. For some homeowners, now is a smart time to run the numbers. For a lot of others, the right move is to keep the loan they have. The wa...
Refinance or Keep Your Low Rate? How a Blended Rate Tells You
Saturday, October 10
If you locked in a mortgage rate under 4% a few years ago, you've probably caught yourself thinking, "I'm never giving this rate up." I get it. I hear some version of that from clients nearly every week. Today's rates are a lot higher. Mortgage News Daily put the 30-year conventional rate at abou...