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17 Questions Every First-Time Homebuyer Should Ask a Mortgage Lender

by Justin Williams | November 13, 2025 | Blog, Home Buyers | 0 Comments

Feel confident. Get clear answers. Make smart decisions. Buying your first home is exciting… and a lot to take in. With so many moving parts, it’s easy to feel unsure about what to ask a lender — or what the answers even mean. This guide gives you the exact questions...

What is a mortgage?

by Athena Paquette | November 17, 2022 | Blog | 0 Comments

A mortgage is a loan or debt that is secured by real estate. In some states it is also the word used for the lien that is put on the property to secure the debt. Normally this loan is paid back over a specific time , like 30 years or 15 years, until the entire...

How raising the prime rate makes mortgage rates go down

by Athena Paquette | September 26, 2022 | Blog | 0 Comments

I have talked about this before but I think it is worth revisiting after our talk last week about the prime rate. The Federal Reserve raised the Fed Funds rate (often confused with the prime rate) by 0.75% this week.to 1.75% it was 0.25% a year ago. The highest 1-day...

Mortgage Minute – ARMS and HYBRIDS

by Athena Paquette | September 19, 2022 | Blog | 0 Comments

What do you do when mortgage interest rates jump up 2% in 4 months? Don’t go LONG, go SHORT use a HYBRID ARM loan ARM means adjustable-rate mortgage. But some people are not comfortable with the idea that their mortgage payment and that the interest rate will start...

How do you refinance a mortgage after you retire?

by Athena Paquette | Aug 30, 2019 | Blog

First of all no matter what your age, there are laws in this country that outlaw discrimination based on all sorts of things but age is one of them. I actually got a loan denial reversed 20 years ago on a loan that was turned down because the underwriter said: “she...

Success Story: Speaking of Surviving

by Athena Paquette | Dec 8, 2018 | Blog

This week’s success story is from a lady who was referred to me by her financial advisor. He thought she could do well to check into whether a refi would be worthwhile. She bought her home in 2003 and got a 5.375% 30-year fixed. But then had to take out a line of...

Mortgage Monday: PMI

by Athena Paquette | Mar 12, 2018 | Blog, Featured

Today’s Mortgage Monday is all about PMI and how you can avoid it, whether buying a home or refinancing.

Success Story of the Week: Never give up; just call the right person

by Athena Paquette | Jan 8, 2018 | Blog, Featured

James had been out of work for 1 1/2 years – since 2016 – and was having trouble making his mortgage payments. He requested a loan modification so he wouldn’t lose his house, so his credit union gave him a 40-year instead of a 30-year loan and put all the...

Success Story of the Week: One of my loudest advocates

by Athena Paquette | Aug 20, 2017 | Blog, Featured

One of my longtime clients and loudest advocates referred her co-worker almost 2 years ago to refinance her home. She started to get her paperwork together and would get side tracked. Life presented all kinds of hurdles and so it took until June of this year to get...

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