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Tag Archives: cash-out refinance

Here’s how that Fed rate hike will impact you

Posted on December 26, 2018 by Ray Williams (NMLS #216267). Tagged: , , , , , , , ,

With the Federal Reserve’s latest quarter-point (.25%) interest rate increase, the central bank officials now forecast two hikes next year, down from three rate raises previously projected.  The decision affects rates on all kinds of borrowing, from home mortgages to credit cards.  An increase to interest rates usually causes consumer interest rates to rise, but the […] …read more

6 Ways to Share the Spirit of the Season Now — Starting From Home

It’s Never Too Late To Become A Secret Santa You probably don’t have to look far to find someone who could benefit from a gift or kind gesture this time of year. Try one (or all) of these ideas 6 inspirational ideas for sharing the season with those closest to home. 1. HOST A COOKIE AND […] …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

Trying to decide if you should turn your home into a rental?

I recently had a great conversation with a family member discussing the notion of turning their property into a rental.  They were curious about how to go about doing it and what the requirements to qualify would be.  The main reason they were inquiring is that they had recently received their assessed value in their home. […] …read more

Student Loans- Why Paying Them Off Got Easier

Posted on April 27, 2017 by Ray Williams (NMLS #216267). Tagged: , , , ,

So here you are. You have owned your home for some time now, and built quite a bit of equity in the house. But you have these student loans that just seem to be going nowhere. So you have thought to yourself, how can I pay them off? What if you could refinance your house […] …read more