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By Jim blackburn By Jim blackburn Getting preapproved for a mortgage before you start house hunting isn’t just a smart move—it’s essential in today’s competitive real estate markets. Yet most buyers either skip this step entirely or settle for weak prequalifications that don’t impress sellers. The difference between a strong preapproval and no preapproval (or […]
By Jim blackburn By Jim blackburn Choosing between a mortgage broker and a direct lender might be the most important financial decision you make before buying a home. Most borrowers don’t realize that where they get their mortgage can affect not just their interest rate, but their loan options, closing timeline, and thousands of dollars
By Jim blackburn By Jim blackburn Mortgage broker fees create more confusion and hesitation than almost any other aspect of homebuying. Borrowers worry they’re paying extra for broker services, or that hidden fees will appear at closing. This confusion often drives people toward banks—even when broker pricing would save them money. The truth about broker
By Jim blackburn By Jim blackburn Choosing where to get your mortgage shapes more than just your loan terms—it determines your entire homebuying or refinancing experience. Most borrowers spend weeks researching rates but barely consider who they’re working with. That’s backward. The “best mortgage company” isn’t the one with the flashiest website or the biggest
By Jim blackburn By Jim blackburn Applying for a mortgage doesn’t have to feel overwhelming. Whether you’re buying your first home, refinancing to improve your terms, or accessing equity to build wealth, understanding how to apply for a mortgage gives you control and confidence. Most people assume the mortgage application takes months and requires perfect