One of the biggest misconceptions in lending is that timing does not matter. Many borrowers have been encouraged to take another loan simply because someone wanted a commission. That approach never leads to long term success. Good financing should always be based on numbers, not pressure. That is why I prefer to sit down with clients and walk through real calculations. I want them to see the full picture. When the timing is right, we move forward together. When it is not, I s

Not every refinance offer is what it seems. A few years ago, a client came to me ready to sign a refinance loan that looked great on paper. The promise was lower payments and fast approval. But when we reviewed the details together, the numbers told a different story. The refinance would have cost her thousands of dollars in unnecessary fees and long-term interest. The lender pushing it was focused on commission—not the client’s financial future. We ran a full analysis, compa

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Barbara Corcoran says it best: "Don't wait for rates to go down." The Fearless First-Timer Tired of #waitingfortherates to drop? You're...