by Jason Skinrood | 30 July 2025 | General Information
Yes and no. This drives me crazy. Every year I get calls from borrowers who got screwed over by some lender who promised them the world and delivered garbage. Higher rates than they qualified for. Fees that came out of nowhere. Loan officers who disappeared when...
by Jason Skinrood | 21 July 2025 | Credit, General Information
I had a borrower call me last week asking if $156 for a joint credit report was really what it costs now. Yes. That’s what I told him. And frankly, it made me mad all over again. After more than 20 years in this business, I’ve watched credit report costs...
by Jason Skinrood | 1 December 2023 | General Information
As someone who’s been working in the mortgage industry for over two decades, I wanted to break down this recent news about conforming loan limits increasing in 2024. I know all these numbers and lending guidelines can make your eyes glaze over. My goal as your...
by Jason Skinrood | 12 October 2023 | General Information
I’ve got some significant news from the real estate sector that you’ll want to hear. The big news: Fannie Mae cuts down payment to 5%. So, starting from the weekend following November 18, 2023, the down payment for owner-occupied multifamily homes will be just 5%, a...
by Jason Skinrood | 20 April 2023 | General Information, Refinance
If you’re considering refinancing your mortgage, it could be a great way to save some serious cash. But before jumping in, you must know what kind of costs come with it. As a loan officer, I get a lot of questions about refinancing expenses and what options are...
by Jason Skinrood | 12 April 2023 | General Information, Refinance
If you’re a homeowner looking to lower your monthly payments, shorten your loan term, or get some cash out of your home, you may want to think about refinancing your mortgage. However, before you decide, there are a few things to consider to determine if a mortgage...
