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"We are what we repeatedly do. Excellence, therefore, in not an act but a habit." Aristotle    

Abhay Ashtekar - Professor of Physics at Penn State, famous for his contributions in General Relativity and Quantum Gravity Walter Bahr - Professional soccer player, National Soccer Hall of Fame inductee, Penn State soccer coach Jaime Beswick - Professional BMX Rider, X Games Gold Medalist Jesse ...

State College was ranked the second safest metropolitan area in 2008 and the #1 safest in 2009 by the CQ Press. The town evolved from a small village to serve the needs of the fledgling Pennsylvania State College, founded as the Farmers' High School of Pennsylvania in 1855. Renamed the Pennsylvan...

FHA, VA and conventional mortgages (loans underwritten to Fannie Mae and Freddie Mac guidelines) permit the seller to pay a percentage of your closing and escrow costs. Your cash at closing consists of three components 1)down payment 2)closing costs 3)escrow and prepaid costs. The seller assist l...

I just recently watched the movie Robin Hood. One line in the movie really caught my attention, and I thought I'd share it: (it may not be an exact quote but it is close) "You can't answer good luck with bad grace. It invites darkness." Now of course this sounds much more charming with an English...

What does the word freedom mean to you? I'm curious to hear from my peers. When I opened my branch of Freedom Mortgage Corporation, with its trademark Eagle emblem, it seemed totally in line with my idea of the connection between owning a home and the American Dream. Since America's inception we ...

It is always rewarding to help first-time homebuyers realize their dream of owning their own home. My recent experience was even more touching than normal because, not only were my clients ecstatic at the thought of achieving the American Dream, the entire transaction was conducted in Spanish fro...

Pressure on lawmakers to extend and increase the federal tax credit for home buyers has intensified in recent weeks. Congressional committees are now weighing no fewer than seven housing tax credit-related bills. Prominent business groups have lent their support for such measures. And governors o...

Thats right! Conforming lenders have stopped doing 100% Financing. And thenew guidelines will require a borrower to have a 680 fico credit score for97% financing. If your borrower does not have a 680 they will be maxed at95% and must have atleast a 620.I am here to help you out if you have any cl...

I'm sure you realtors probably get tons of emails monthly if not daily in regardsto rates, services, loan officers, mortgage companies, title companiesetc. So I'll be brief and to the point since the truth is that mortgagecompanies have most of the same lenders and same rates it comes down toSERV...