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Strategies
- How Can You Count on Your Future Despite Ups & Downs?
  When the Federal Reserve recently raised interest rates on money it loans to banks from .5 percent to .75 percent, many saw it as positive. A Los Angeles Times article said “The willingness of policymakers to raise the discount rate is the latest sign that the economy is regaining its footing after falling into the worst [...] […]
- Global Warming is a Government Hoax to Steal Your Money
  This week Doug Andrew discussed the following: Upcoming Complimentary Webinar Attend our free 90-minute webinar live over the Internet this coming Tuesday, March 9th at 11:00 a.m. pacific (12:00 p.m. mountain, 1:00 p.m. central, 2:00 p.m. eastern), and again at 6:30 p.m. pacific (7:30 mountain, 8:30 central, 9:30 eastern). The topic is “Choosing the Right In […]
- Learn Now So You Don’t Have to Pay Later
  Take the money now, pay later. This is exactly what millions of Americans have hungrily done for years. Consumed with consumption, they were lulled into a sense of entitlement and security, believing they’d always be able to pay it off down the road. Then the economic crisis hit. Since then, jobs have been lost, homes have been foreclosed on, [...] […]
Market News
- MBS CLOSE: What Can Today Tell Us About Tomorrow?
  Posted To: MBS CommentaryThis is always the question right? I mean, after all, we already know what is available on our rate sheets at the moment, but the most valuable question always asks for tomorrow's MBS prices today. Forgetting for a moment that you'll usually LOSE more money thinking that way than you'll make, let's suspend GUTFLOP […]
- Mortgage Rates Rise Ahead of Treasury Auction. Fail to Recover Afterward
  Posted To: Mortgage Rate WatchMuch like Monday, yesterday was a data-less day in the marketplace, leaving me at a loss for words and new guidance. Mortgage-backed securities prices did managed to move higher following a very strong 3 year Treasury debt auction, unfortunately MBS price appreciations were not strong enough to warrant reprices for the better an […]
- MBS AFTERNOON: Mortgages Playing Follow the Leader with Benchmarks
  Posted To: MBS CommentaryHeading into the 5pm "what a slow day in the mortgage market" marking period... The FN 4.0 is -0-03 at 98-01 yielding 4.189% and the FN 4.5 is flat on the day at 101 the rock yielding 4.39%. The secondary market current coupon is 4.33%. The CC yield is 61bps over the 10yr TSY note yield and 58.6 basis points over the 10 yr […]
Knowledge is Key

We see our primary responsibility as guiding and educating our Clientele throughout the Home Buying and Financing Process, advising our Clients about the different types of Loan Products available and demonstrating how Closing Costs and Monthly Payments could vary under each product. Taking the time to understand and assess your current financial situation as well as your long-term financial goals, as defined by your specific needs. We will evaluate your requirements and provide the program options that will allow you to achieve the goal of Home Ownership. I believe that I have a professional responsibility to help my Clients make informed choices about their financing options when buying Real Estate. From the First-Time Home Buyers to sophisticated Real Estate Investor transactions we work to provide our Clients and Real Estate Agent partners the Mortgage service they deserve and then some.