Tag Archives: home loan

How to Prioritize Your Cash Flow

When it comes to planning your mortgage, the first mistake people make is not realizing that the real discussion must first be about money.  More specifically, cash flow.  “We live lives of cash flow,” is something I say nearly daily … Continue reading

Posted in Blind Spot 3: Storing Money Efficiently, Uncategorized | Tagged , , , , , , , , , , , | Leave a comment

A Fable About Refinancing

Diane walked into the house, setting down her things in the kitchen after a long day at work.  “Did you hear that rates have dropped?  Should we be looking into refinancing?” Her husband Jack replied, “Yes, I did.  Some people … Continue reading

Posted in Blind Spot 1: Developing a Plan, Uncategorized | Tagged , , , , , , , | Leave a comment

The 3-Legged Stool

Whenever I am conducting a consultation with a new home buyer, I like to introduce what I call, the “3-Legged Stool”.  This becomes a crucial thinking tool for making smart home buying and investment decisions as it relates to your … Continue reading

Posted in Blind Spot 1: Developing a Plan, Uncategorized | Tagged , , , , , , , , , , , , | Leave a comment

We Live Lives of Cash Flow

If there’s one thing I say nearly every day of my life, it is this:  “We live lives of cash flow.” When it comes to providing expert mortgage advice for clients, this is typically what it boils down to for … Continue reading

Posted in Blind Spot 1: Developing a Plan, Blind Spot 2: Increasing Fiscal Literacy, Blind Spot 3: Storing Money Efficiently, Uncategorized | Tagged , , , , , , , , , , , , , | Leave a comment

Liquidity versus Home Equity

When learning how to apply financial planning concepts to the world of real estate and mortgages, there can be a bit of a learning curve.  But once grasped, a homeowner can feel extremely empowered and confident in the decisions they … Continue reading

Posted in Blind Spot 2: Increasing Fiscal Literacy, Blind Spot 3: Storing Money Efficiently | Tagged , , , , , , , , , , , , , , , , , , | Leave a comment

The House versus Home Conversation

One of our favorite discussions to have with new clients is what we call “House versus Home”. It goes like this: “When you hear the word ‘home’, what words comes to mind?” Clients typically pause for a minute before beginning … Continue reading

Posted in Blind Spot 1: Developing a Plan, Blind Spot 2: Increasing Fiscal Literacy, Blind Spot 3: Storing Money Efficiently | Tagged , , , , , , , , , , , , , , , , , , | Leave a comment

Buy Now or Wait – A Tale of Two Families

Summer is here and the temperatures are hot. And so is the housing market! Summer is historically the busiest home buying season of the year, tapering off in September once school starts again. One of the big questions that continues … Continue reading

Posted in Blind Spot 1: Developing a Plan | Tagged , , , , , , , , | 1 Comment

Consumers Think It’s Easier Than Ever To Get A Mortgage!

Consumers who believe it would be easy to get a mortgage today jumped to a record-high 54%, Fannie Mae’s February 2015 National Housing Survey found. On the other side, the share who believes it would be difficult to get a … Continue reading

Posted in Easier to Get Mortgage | Tagged , , , , , , , , | Leave a comment

Debt – the Good, the Bad, and the Ugly, Part 2

“Debt–the Good, the Bad, and the Ugly” – Part 2 1. OK, if you have “bottomed out” on debt, if you are really ready to make a change, then your first move must be putting money into a savings account. … Continue reading

Posted in Bad & Ugly Debt | Tagged , , , , , , , , , , , , , | Leave a comment

Good, Bad and Ugly Debt, Part 1

 “Debt–the Good, the Bad, and the Ugly” – Part 1 There are three types of debt, “Good”, “Bad”, and “Ugly”. Let’s discuss the differences and provide some direction for addressing your debt-related issues. When discussing debt with clients, too often … Continue reading

Posted in Bad & Ugly Debt | Tagged , , , , , , , , , , , | Leave a comment