For those who need to take it, the MLO test is, quite literally, a gate keeper into the world of loan origination. With 125 questions and only a little over 3 hours to complete it, it can seem like a … Continue Reading

… like a fine whine … I get better with age.  SO sorry to completely annihilate an excellent and often repeated quote. [“I’m like a fine wine. I get better with age. The best is yet to come.” ― Richelle … Continue Reading

Having too much debt can make you feel like you’re spiraling down a black hole. Wishing your problems away doesn’t work, and you can’t see anything to help you overcome your financial situation. At this moment, when you’re worried about … Continue Reading

Like it or not, debt is a part of every day life. Some debt can even be healthy, such as a mortgage that allows you to own and live in a home. When your debt gets too big to handle, … Continue Reading

If you’ve ever applied for a loan (or wanted to apply), you’ll know that it can be an intimidating and confusing process. Often times you’re expected to hand over personal information, such as your social security number, without really understanding … Continue Reading

                            Let’s assume John and Mary Smith are buying a house and visit a mortgage loan office to complete an application for a home loan. Listen in, … Continue Reading

Homeowners who have not yet utilized the Home Affordable Refinance Program® (HARP) are in luck as the program has been extended through 2016!  This allows Americans to refinance their homes at shockingly low rates, and reduce their payments by an average of $2,500 a year.  … Continue Reading