As part of the extension of the first time home buyer tax credit the federal government has also added a tax credit for existing home owners.  If you have owned your primary residence for the past 5 years you can buy a new home and receive up to $6500 in federal tax credits.  This is [...]

The $8,000 tax credit for first time home buyers is set to expire on December 1st of 2009.  There are talks that this credit may be extended, or modified and extended.  However, if you are in the market for a house you can not count on this extension.
We are advising all of our home buyers [...]

Today the Colorado Department of Regulatory Agencies (DORA) inactivated 4,560 Colorado mortgage broker licenses.   For the past couple of years DORA has been working on regulating Colorado mortgage brokers.  Today is finally the day when the hammer came down and people who  have not yet taken care of the requirements are no longer allowed to [...]

As the market continues to run on a very flat line, many wonder when (if ever) there will be a positive shift in home prices.  There is only one answer to that… Of course there will be!!  And it starts with you!  You are the driving force in the economy.  There is no better time [...]

Is there a proper time to ever lock in a rate?  If you ask me I say absolutely….whenever YOU feel the rate is at its lowest.  As much as I wish we were psychic and could predict where rates were going to be tomorrow, a week or month from now, I unfortunately am just not [...]

When to wait on rate and when not to wait on rate.

Some general musings about closing a mortgage loan today.

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