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Recent Articles

Nov
07
2019
What Determines Your Interest Rate?
When shopping around for either a first home mortgage, or more likely a refinance in today’s low-rate market, it’s important to understand how your interest rate is determined. You’ll want to be able to consider all financial factors before committing to the...
Oct
31
2019
The Fed "Cut Rates", But Now What?
The Federal Reserve just lowered its target for benchmark interest rates by .25%, which was the third Fed cut this year. These three cuts have been the first of their kind in over a decade, but what do they do, really? Like many people this week, you might be wondering whether now is...
Oct
17
2019
Introducing Prospect Financial Group’s Top Loan Officer for Quarter 3, 2019
September was Prospect Financial Group’s biggest fiscal month ever, after 13 years in business. A combination of global factors (US / China trade disputes, political anxieties, etc.) have contributed to make 2019 a year for record low interest rates. Inquiries for home...
Oct
10
2019
5 Reasons it's Time to Refinance
If you're wondering whether to refinance now or later, what follows is a list of five great reasons to do it now!   1. It’s simpler and faster than it used to be    Gone are the days when folks were obliged to visit one-on-one with a loan officer at their office,...
Sep
19
2019
30-Year Fixed Loans: Pros & Cons
Last time, we discussed in-depth pros and cons for a 15-year fixed home mortgage. In summary, 15-year loans can save you thousands in the long term but cost more in the form of higher monthly payments. For those with the ability to pour a significant income portion into home equity, 15-year...
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