In recent years a lot of energy and resources have been poured into online resources and the “digital mortgage” experience. Amazon recently announced their eventual stake in online mortgage lending as well. One can certainly argue that getting a mortgage online can be quicker, offer less hassle, and be combined with lower rates and financial … Continue reading Human Mortgage in a Digital World
As a consumer you may find yourself pondering between retail and wholesale. Some advertisements steer you towards wholesale with the “cut out the middle man and markup” tagline. Some would argue retail may offer the best customer experience and/or selection. In the mortgage lending industry there is a retail and a wholesale consumer choice. Most … Continue reading Wholesale versus Retail (and Amazon)
The landscape of our communities has changed: cultural diversity is in. Big employer or small employer; it really doesn’t matter. Today’s clientele and reaching them with relevant products and services goes well beyond language barriers. Cultural understanding, education, and product customization is essential for diversifying your client base. Nearly two years ago I met Miguel … Continue reading Diversity
It is an esteemed honor to be a candidate for the district four WCS school board position. This is an opportunity that has been on my heart for several years. My family and neighbors are blessed to live in a wonderful community with a rich heritage filled with high academic standards. It’s my desire to … Continue reading WCS School Board
As mortgage rates rise, I am commonly asked, “Has business slowed down?” While business has NOT slowed down, it does beg the question, “What impact does higher interest rates have on buying behaviors?” Let’s examine this for a few minutes. In 2003, a nationally recognized articled explained the top five reasons for refinancing were the … Continue reading Mortgage Rates and Buying Behaviors
If you look at property tax rates by state across the country and delve even more deeply into rates by individual county in each state, you might be surprised at what you find. First, the National Association of Home Builders research, looking at property tax rates across the United States, found property tax rates differ … Continue reading Property Taxes – a general overview of the what, why, and how.
If you’re a Tennessean, you know you’re a Volunteer even if you don’t wear orange on Game Day Saturdays (I don’t). Personally, I grew up in Indiana and moved to Nashville in 2002. Growing up in Indiana, there is certainly some debate on what a Hoosier or Pacer represents. But for now, let’s look at … Continue reading Why is Tennessee the “Volunteer State?”
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Is it the music, food, professional sports, central location or the fact it’s a state capital that makes Nashville the “It” city? I say “Yes” to all the above... but there's more. Setting economics aside, (which is generally what triggers most articles about Nashville), let’s examine an overview of some of the variables. It’s hard … Continue reading Why is Nashville the “It” city?
The first quarter of the year is an ideal opportunity for savers, investors, homeowners, etc. to implement some minor money moves that could result in a major savings (short term and long term). Below are 10 key items to consider: #1: Think about increasing your monthly workplace retirement plan contributions or maxing out your IRA(s) … Continue reading 2018 Planning #3: Savings Ideas