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Mortgage 101

By Mike Miles What movie is this line from … “love for sale … appetizing yummy love for sale”? Feel free to message or email us your answer. (Hint: It’s a top-5 movie of all time … for those of...
By Mike Miles This will be the first year of taxes filed under the Tax Cuts and Jobs Act of 2017. There were significant changes to the tax code compared to previous years. With consideration that it’s tax season, I...
By Mike Miles It might be bitterly cold … and about to become ‘are-you-kidding-me’ cold, but now is the best time to start preparing for the usually busy spring home buying market. It’s expected that this spring will represent another competitive...
By Mike Miles Let me start today’s post by saying congratulations to the Kansas City Chiefs. Many people probably don’t realize that the championship drought of the Chiefs is longer than the drought experienced by the Kansas City Royals. The...
By Mike Miles Before I begin, can I address the headline to make sure we can all agree as to what it means? It seems backwards … the way we all say it. I believe it should be more like...
By Mike Miles If I were to interview all of the mortgage underwriters and loan processors in the mortgage industry about the benefits of the digital mortgage age … chances are that good a majority of them would say that...
By Mike Miles Welcome to 2019. How many of you have new year’s resolutions? I don’t have any. Instead, I have goals. I like goals versus resolutions. A resolution is defined as a firm decision to do something. The word...
By Mike Miles It’s like the Federal Housing Finance Agency (FHFA) planned the required review of conforming baseline loan amounts to be a gift that keeps giving all year. Jelly club anyone? The Housing and Economic Recovery Act requires conforming...
By Mike Miles Have you noticed all the giant apartment complexes popping up around the metro? Perhaps you’ve wondered why? Two words: Money Machines. Meaning, there are a lot of renters out there, and rent pricing has been averaging increases...
By Mike Miles There is something about being a parent that never leaves … the desire to help your kids. Now, whether parents should always help their kids … that’s a different topic for a different time. In present-day society...
By Mike Miles Most home loans originated are 30-year term mortgage notes. It’s sort of the default amortization period when people think of getting a new home loan. However, in a rising rate environment … it is a good idea...
By Mike Miles When I think of sacrifice and veterans, I typically think of things like time, family, and even life. What I don’t normally think of is their continued sacrifice … things like lost friends, missed opportunities to enter...