Celebrate Diversity! Happy Holidays to all!

The holiday season is upon us and many people are making plans and setting the stage for the festivities to come. While Christmas celebrations are often the first to come to mind, there are millions of Americans who celebrate the season in other ways. We would like to...

Timing the Market

I had a great discussion with a client today about folks who are waiting for the bottom of the market. It was his opinion that waiting would be very foolish. I tend to agree with him because, unfortunately, I have not found anyone who has been able to predict the...

30 year loan still the best choice

Long term mortgage interest rates are at levels that have not been seen in more than 50 years.  Here are two questions that I am currently being asked frequently: 1.    Is refinancing into a 15-year loan a better choice than refinancing into a 30- year loan? 2.   ...