How Business Owners & Self-Employed Professionals Qualify for a Mortgage

by Justin Williams | January 29, 2026 | Blog, Featured | 0 Comments

Even When Tax Returns Show Low IncomeIf you’re a business owner, self-employed professional, or independent contractor, your tax returns may not reflect what you truly earn — and that can make qualifying for a mortgage frustrating. Many entrepreneurs do exactly what...

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...

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Is Your Mortgage Insurance Premium Permanent?

Jan 3, 2015 | Home Owners

There are newer rules concerning FHA 15 year loans and your Mortgage Insurance Premium. FHA mortgage insurance might be permanent if you received your loan on or after June 3rd, 2013(citation) If the loan case number was pulled before June 3, 2013 the MIP requirement...

Special Alert for Realtors… FHA Sunsets the “Flip Waiver”

Dec 12, 2014 | Blog, Realtors

I hate to remind you of bad news, but better to know than put your seller or buyer’s “foot in it”. Starting January 1, 2015, FHA is eliminating its Flipping Waiver. Below are the critical time frames : Re-sales occurring 90 days or less following acquisition. If the...

When is the Best Time to Buy or Sell a Home?

Dec 8, 2014 | Blog, Home Buyers, Home Owners

A client asked me, “When is the right time to buy?” This is a very interesting question, and goes hand-in-hand with the question, “When is the best time to sell?” Over the years there have been theories about winter, or spring, or fall. Growing up in Canada, where...

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