By Mike Miles Congratulations! Your loan is at the final approval stage, and it’s almost time to celebrate. All that’s left is for the loan to go through a final

By Mike Miles There is more to financing a home than most people think. No single borrower is the same as another, therefore no home loan is the same as

By Charity Ohlund As behemoth companies continue to dominate how we buy everything from mobile phone service and cable tv to where we shop online for, well, just about anything,

By Mike Miles When we underwrite a borrower, we calculate the full mortgage payment due as part of the debt-to-income calculation. A full mortgage payment consists of principle, interest, taxes,

By Mike Miles One of the most frequent questions we hear deals with buyers asking how they can qualify for purchasing homes to be used as investment properties. Purchasing investment

By Mike Miles Ever been to a place on a vacation and thought to yourself that it would be great to live there? I think we all have right? Whether

By Mike Miles Credit scoring has the biggest impact on mortgage loan financing. It’s the main driver for determining an interest rate. It’s the best representation of the level of

By Mike Miles Last week I wrote about how the expansion of credit risks was not resembling a re-emergence of the factors that led to the housing crisis. As a

By Mike Miles Home values have been rising and banks are creating loan products to gain more market share. Here we go again right? Not exactly. While it’s true that

By Mike Miles I’m guilty of it too. I have no shame in watching several Fixer Upper episodes in a row … even though my gut tells me it’s a

By Mike Miles The month of May is National Military Appreciation Month. It’s meant to encourage U.S. citizens to observe the month in a symbol of unity as it honors

By Mike Miles If anyone is waiting on interest rates to take a dip … you might be waiting for a while. There are too many indications that things are

By Mike Miles Being a smaller business in the mortgage industry can sometimes feel like we are overshadowed by the bigger players in the game. While we know we do

By Charity Ohlund, Director of Business Development “Your true worth is determined by how much more you give in value than you take in payment.” Bob Burg & John David

By Mike Miles It’s hard to believe we are already at this point of the year. Tax season is just about finished, and for many of us that file taxes,