Recent Posts

  • Why it’s time to buy?

    Why it’s time to buy?

    Today maybe the best time in history to buy a home. In this video Your Hard Working Mortgage Guy reviews Home Affordability for 2011. These statistics may surprise. As you look at what is going on in the housing market in the Indianapolis and the surrounding counties and you look at the data, which you will see below, I think you will find that today, this time in history, may be the best opportunity you have ever had to purchase a home and the most affordable time to purchase a home. Historically, when interest rates drop home prices go up […]

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  • Coming Soon

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  • Pre-approval! Now or Later?

    Pre-approval! Now or Later?

    When is the right time to be pre-approved for that home you want to buy. This video will explain when and why you need to be pre-approved. You are thinking about buying a new home and are wondering: what is the process and what should I do first. Our recommendation: you should get pre-approved.  There are a variety of reasons why you need to get pre-approved before you go look for a home. First, not everybody qualifies for a mortgage.  It can be very disheartening to find the perfect home, negotiate a purchase price, than find out when applying for the […]

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  • Upfront Costs and your mortgage

    Upfront Costs and your mortgage

    So what should you expect to pay upfront?  You are out shopping for a mortgage and people are telling you different fees and closing costs and all these things and you are trying to decide well okay what is it going to cost me upfront? Basically there are two items you are going to be charged for upfront and lenders will call it two different things.  Generally you will have an Application Fee, which is what we happen to charge.  The Application Fee is charged after you have had time to review your Good Faith Estimate.  Our Application Fee on […]

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  • Home inspection, do you need one?

    Home inspection, do you need one?

    Your buying a home and now you have to decide if you should have a home inspection. This video will help you in that decision. A lot of people have questions on home inspections since I get questions on them all of the time. First I find that many people get confused on the difference between a Home Inspection and an Appraisal. A Home Inspection is an inspection of the quality of the home not the value of the home.  We are talking about the construction, the electrical system, the heating & air conditioning system, the roof and the foundation.  Those […]

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  • When should you lock your mortgage rate?

    When should you lock your mortgage rate?

    When is it best for you to lock your mortgage rate when financing a home. This video explains rates what effects them and when you should lock.

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  • Good Faith Estimate when can you expect yours?

    Good Faith Estimate when can you expect yours?

    When should you expect to receive your good faith estimate? Since it is vital to insure you receive the rate term and costs you were promised be sure yours is accurate and you receive it as mandated by law.

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  • Why could your mortgage application be denied?

    Why could your mortgage application be denied?

    Applying for a mortgage can be stressful. You can take some of the stress away by knowing what can cause your mortgage to be turned down.

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  • Do you have to Escrow?

    Do you have to Escrow?

    Mortgage escrow can be confusing. Learn what mortgage escrow is and how to decide if you should escrow.

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