Daily Blogs by Deion Au
Notes on Buying, Refinancing, Investing and Financing a Home
How a fixed payment can work in your favor over time
A fixed-rate mortgage keeps principal and interest steady. Here is the idea in plain terms, and its limits.
Read postQuestions to ask your loan officer before you apply
Your loan officer guides you through a big purchase. Here are the questions worth asking before you commit.
Read postBuying a home with family: questions to settle first
Buying with a parent, sibling or relative can work well. Here are the questions to settle before you apply.
Read postWhat an underwriter looks for in your file
Underwriting is where your file gets checked line by line. Here is what they review and how to keep things moving.
Read postWhen a refinance makes sense, and when it doesn't
The break-even math, common reasons to refinance, and when to wait.
Read postDocuments to gather before you call a lender
A simple checklist so your pre-approval moves faster.
Read postHow to read your Loan Estimate
A plain-English walkthrough of the three pages and what to check first.
Read postChanging jobs before closing: talk to me first
A job change during escrow can affect your approval. Here is why it matters and what to do before you decide.
Read postCash to close: the number to know before you tour homes
Down payment is only part of the picture. Here is what cash to close includes and why to ask before you tour.
Read postPicture a family who thought they weren't ready to buy
Many renters assume they are not ready. Here is a common scenario and how a real look at the numbers changes the picture.
Read postHELOC vs HELOAN: the difference in plain terms
Both borrow against your home equity, but they work very differently. Here is how to tell them apart.
Read postHow owning a home can build wealth over time
Equity, steady payments and forced savings: the basic ideas behind how owning a home can build wealth, and the honest limits.
Read postReady to see what you qualify for?
It takes five minutes and a soft credit check. No obligation, no pressure, just a clear picture of your options.