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Author Archives: Ray Williams (NMLS #216267)

Conventional Loan Limits Are Increasing For 2019!

Posted on November 28, 2018 by Ray Williams (NMLS #216267).

For immediate release: Conventional Loan Limits Denver, Colorado Conventional loan limits are increasing for 2019! Home prices continue to rise across the nation. As announced by FHFA, conventional loan limit changes go into effect Jan 1, 2019. Quick hack if you are buying in December 2018! You can lock in your rate now and even […] …read more

Home Affordability-What is the cost of waiting?

Home Affordability Always the biggest question when someone is looking to buy a home.  “How much do I qualify for”? The true question you are asking is “what is my home affordability?”.   Per dictionary.com, Affordable: Adjective 1. That can be afforded; believed to be within one’s financial means: noun 2. Usually affordable. Items expenses,etc., […] …read more

Physician Loans, Are They Right For You?

You may have heard about mortgages specifically for physicians (known as physician loans) and are thinking of buying a home. They are attractive, but make sure you totally understand them to decide if you should take out a physician loan. There really are three main components to understand, so let’s go through them. Important components […] …read more

Looking to purchase, consider buying from your landlord

Are you looking to purchase?  Have you considered buying from your current landlord Back in 2015, when the market was in its “blast off” stages, we published a column on how it was a viable investment to buy your landlords house; the house that you are currently renting. Click here to check out the previous […] …read more

FHA Vs Conventional Loans; Which Is Better?

FHA Vs Conventional Loans; Which Is Better for you? Here you are a first-time buyer or possible move up buyer. Possibly you are a Veteran looking at a VA home loan? Maybe you are buying in a rural area using a USDA home loan? If not, then you are probably trying to decide: FHA Vs […] …read more