Articles & Advice

Mortgage Mistakes

Avoid these mistakes to make your mortgage experience go as smoothly as possible.

Rates & Closing Costs

Save thousands by knowing how rates and closing costs affect each other.

Shopping your Mortgage

Many mortgage companies fear that their clients will shop around – we encourage ours to.

Personal Finance

There’s no substitute for a good working knowledge of your finances.

All Articles

Mortgage Tips / 30.04.2014

When I suggest no-fee loans to my clients, I’m often asked how it is possible to Refinance a loan without paying the closing costs. A loan without closing costs seems too good to be true, so many become skeptical. Below is a detailed explanation of how a...

Personal Finance / 16.04.2014

Why is it that many feel they will forever struggle financially? Why is it that most feel they need an extra 10% or more income each month just to meet their monthly obligations? How did they survive when they made 10% less? The answer is...

Mortgage Myths / 08.04.2014

Given the amount of misinformation continually circulating about mortgage loans, we’re ready to set the record straight – Mythbuster style! Oftentimes, misinformation keeps people from making decisions that could benefit their financial situation. However, through clarity and understanding of mortgage fact vs. fiction, different opportunities...

Personal Finance / 25.03.2014

Pay off the account with the smallest balance first regardless of interest rate. As each account is paid off, apply those payments to the account with the next smallest balance, and so forth. Watch your debt begin to disappear. This is one of the most...

Personal Finance / 18.03.2014

When paying off debt, rather than focus on paying off all debts at the same time, pay down the account with the smallest balance first.  As each debt is paid off, add the payment that was being made on the now paid off account towards...

Mortgage Tips / 11.03.2014

With interest rates now on a slow grind higher, the spread in rate between a 30 year and 15 year mortgage has grown to just shy of 1%. This spread in rates has many opting for the more aggressive pay down plan to take advantage of the...

Raving Fans / 25.02.2014

My experience with City Creek mortgage was nothing shy of amazing. Since City Creek is a big company that you see on all of the billboards and hear about them everywhere, I was skeptical that they would provide the service I was expecting. The first...

Mortgage Mistakes / 04.02.2014

One of the biggest mistakes homeowners make is continually adding to their principal balance by accruing loan fees to refinance every time an opportunity arises to lower their interest rate. With the average homeowner refinancing every three to five years, and with record low rates...