Are you a Hero? Do you know a Hero?

Firefighters, law enforcement, military (active, reserves and veterans),healthcare workers, EMS and teachers can save significant money whenbuying, selling or refinancing a home when they work with Homes for Heroeslender and real estate specialists. As a lender specialist I can assist you inthe states I am licensed – Tennessee and Kentucky. Read more…

Cash to Close

How much money will I need to buy the house or bring to closing? That’s a great question and one that I hear often prior to even getting pre-approved for a home loan. Each situation is different and the amount will be determined by a variety of factors. The amount Read more…

Pre-Qualified vs Pre-Approved

What is the difference between being pre-qualified versus being pre-approved for a home loan? Pre-qualified is no more than a loan officer asking some questions regarding your income, debt, what you think your credit score might be, and what information might be on your credit report. And if it looks Read more…

Car or House?

Make sure you maintain a low debt-to-income ratio by avoiding large purchases. Because a large payment and balance can cause a significant decrease the amount of home that you can buy. Depending on your income, a $400 car payment can decrease your home purchasing power by many thousands of dollars.  Read more…