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What Buyers Should Know
There are always going to be a million reasons to do something or not do something. Whatever your decision is when it comes to the...
Rebecca Richardson
3 min read


Homebuying Made Easier
I’ve gathered a few tips that can make even the most daunting part of purchasing a home that much easier. These suggestions might be...
Rebecca Richardson - Mortgage Consultant
3 min read


What’s Next for Mortgage Rates?
Mortgage rates stayed high throughout 2024, leaving many buyers and real estate professionals wondering if relief is in sight. As we...
Rebecca Richardson
3 min read


Potential TikTok ban looms, forcing mortgage LOs to pivot
A ban that could go into effect in January poses challenges for mortgage professionals who depend on TikTok to connect with clients and real estate agents TikTok and its China-based owner ByteDance on Monday took a step to stop a potential U.S. ban of the social media platform that is slated for January — a move that is being closely watched by mortgage professionals. The companies filed a request with the U.S. Court of Appeals for the District of Columbia to decide on p
Rebecca Richardson
2 min read


Waiting to Buy May Cost You More
When buying a home, timing matters. Higher mortgage rates might seem like a reason to wait, but waiting could result in higher costs....
Rebecca Richardson
1 min read


The Fed's Rate Cut: What It Means for Homebuyers and What's Next
The Federal Reserve Open Market Committee (FOMC) recently announced a 25-basis-point cut to the federal funds rate, lowering the range to...
Rebecca Richardson
3 min read


The mortgage industry is hiring again – but on different terms
The era of hefty compensation packages and substantial signing bonuses is far behind us After cutting to the bone over the past three years, several large mortgage lenders are beginning to ramp up hiring. These companies are adding sales and operational staff, preparing for the expected drop in rates and subsequent increases in volumes. However, the industry is approaching this cycle with caution. Different from the boom of 2020 and 2021, lenders now face a more fragile fin
Rebecca Richardson
2 min read


Sold On Social
How to sell a personal brand on social media In an era where digital presence often equates to professional prowess, the mortgage industry is having a tough time fitting in. Most good salespeople want to be on social media and are cognizant of the power it possesses. However, finding the right message and medium to send it can be challenging in such an arduous profession lacking a remarkable product to market. After all, loan officers are selling a service, not just a loan pr
Rebecca Richardson
2 min read


Your Complete Guide to Buying Your First Home - Simplified
Dreaming about your own home but find the idea pretty daunting? You're in good company. If the whole process seems complicated, don't...
Rebecca Richardson - Mortgage Consultant
3 min read


Are women being fairly represented within the mortgage industry?
Much to be done to ensure women’s voices are heard, says executive The US mortgage industry may traditionally have been viewed as something of a “boys-only” club – but that perception is slowly changing as representation of women within the sector begins to climb. Zippia’s latest research on loan officer demographics in the US indicates that the disparity between male and female employment in the profession has slowly whittled down since 2010, with men making up 55.3% of loan
Rebecca Richardson
2 min read


Understanding Homeowner Insurance: A Guide for Homebuyers
When you're buying a home, one big thing you need to think about is homeowner insurance. This isn't just another box to check off; it's...
Rebecca Richardson - Mortgage Consultant
2 min read


VA Loans: Expanding Home Buying Opportunities for Active Duty Members and Veterans
Attention Active Duty Service Members and Veterans: Have you ever heard the myth that your mortgage payment with a VA loan can't be...
Rebecca Richardson - Mortgage Consultant
2 min read


Does the Fed Set Mortgage Rates?
The Federal Reserve and Its Impact on Mortgage Rates When navigating the housing market understanding the Federal Reserve's role in...
Rebecca Richardson - Mortgage Consultant
2 min read


Working from Home: How to Relocate to Your Dream Location
In today's world, the shift towards remote work has opened up an incredible opportunity that many of us could only dream about before:...
Rebecca Richardson - Mortgage Consultant
2 min read


Going Through a Divorce? Here’s a Smart Way to Keep Your House
Getting a divorce is really tough. Not only does it make you feel all sorts of emotions, but it can also make your wallet feel a lot...
Rebecca Richardson - Mortgage Consultant
2 min read


How to Qualify for a Higher Home Loan: Using the Strategy of Accessory Dwelling Units (ADUs)
Are you feeling discouraged by the prospect of homeownership in today's real estate market? You're not alone. With soaring property...
Rebecca Richardson - Mortgage Consultant
2 min read


Unlocking Investment Opportunities: The Power of DSCR Loans for Rental Properties
The quest to expand a rental property portfolio is a common ambition among real estate investors. However, this journey is often fraught...
Rebecca Richardson - Mortgage Consultant
3 min read


Can Child Support and Alimony Be Used to Qualify for a Home Loan? Unpacking the Facts
Let's talk about how child support and alimony can affect the home loan qualification process. Can Child Support and Alimony Be Used to...
Rebecca Richardson - Mortgage Consultant
3 min read


Debunking VA Loan Myths: Unlimited Borrowing Potential Explained
In the realm of home financing, VA loans represent a beacon of hope and opportunity for veterans and active military personnel. Despite...
Rebecca Richardson - Mortgage Consultant
3 min read


Important Steps to Take Before Searching for Homes in Charlotte, NC
Starting your home search in Charlotte, NC? Hold on! Before diving in, it's crucial to prepare. Just like planning a road trip, mapping...
Rebecca Richardson
1 min read
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