Tom 's Blog

Do not look for the real truth behind the credit crisis we now find ourselves in from the liberal media. However, a good place to start your research is to investigate the Community Reinvestment Act (CRA) which compels banks to make loans to low-income borrowers or those banks could possibly face...

As a licensed mortgage professional I can tell you that when I was approached with the Money Merge Account software from United First Financial I too was skeptical. After spending countless hours researching and doing my due diligence and speaking with a CPA friend of mine as well as a financial ...

As a mortgage professional I find it frustrating that the national media is constantly bombarding us with reports regarding the credit crunch as it pertains to home mortgages. Here in the Midwest, it is true lenders have tightened their standards but for the most part if you have a job history an...

With lenders reverting back to more traditional type of lending and underwriting guidelines becoming stricter, now more than ever your credit score is becoming increasingly more important.   Your credit scores are becoming increasingly more important in a wide variety of areas. Credit card compan...

I would be remiss in writing an article about how to choose the perfect mortgage broker without first discussing rates. The first question most people ask when shopping for a mortgage is what are your rates. Rates are very personal. A great deal of information is needed in order to quote factual ...

The Perfect Mortgage Solution: 3 Steps to Success        Obtaining the perfect mortgage solution is only possible if you take your emotions out of the equation. Whether you are buying a new home or refinancing your existing home, there are certain steps you can take in order to achieve the best r...