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Interest Rates Going UP?

  It’s true. It was bound to happen, but here it is and of course it is no fun at all. By now most people have heard from the news, their neighbors or the incessant stream of commercials that rates on mortgages have risen. By and large the increase has been .5-.75% on any given […]

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What are points? And should I pay them?

Ahh, good ole points.  Often people ask about points without truly understanding what they are or how they can help or hurt you.  Points are essentially our industry’s way of saying percentage points. They are used for one reason; to compensate the lender for writing the loan. Now, some say you can “buy down” the […]

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First Time Home Buyer Program, what is it??

Only Robert Stack could possibly uncover the mystery that is The First Time Home Buyer Program..until now! The story you are about to read is true.  The names have been changed to protect the innocent, although the details are accurate. So often people looking to buy a home inquire about the “first time home buyer program”.  In reality, the […]

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Why is my loan taking so long??

If you are finding yourself in week 5 of a process that feels very similar to a root canal, but without a decent magazine…you may have a bad lender. If you every time you speak to your lender (when he/she answers your call) you get vague timeline answers such as “as soon as this is […]

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How can I increase my credit Score?

By sitting down with a qualified individual, myself as an example, you can identify what exactly is hurting your credit or keeping it from getting it to the level you want it to be.  Below are some basic factors, which most people know, that do affect your score.  Although, keep in mind that there are […]

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The First Steps Toward Buying a Home

First Steps toward buying a home

  “Yeah, I’d love to buy a house right now, but you can’t even get a loan these days without 20% down.”-Half of the U.S. population If I had a nickel for every time a friend, family member, or perspective client mentioned this notion to me I would have….roughly $12.35.  The idea that money is not […]

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Welcome to the New Oklahoma Mortgage Insider

Oklahoma Mortgage Insider is an easy way for you to navigate the world of home financing and get some straight, simple answers to your mortgage related questions and be sure you are using the right person to help you achieve your goals. It seems every other site on the internet is packed full of “APPLY […]

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How much money do I need to buy a home?

A common misconception is that nowadays you have to have a briefcase full of money down or there are no loans available to you; this is certainly not the case.  With qualifying credit scores and other criteria there are conventional loans that offer as low as 3% down and FHA loans that offer only 3.5% […]

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