In 2017, a Complete Application is still the Holy Grail

Astonishment: That's the emotion I felt as I reviewed the home loan application process for a friend recently. I reviewed the initial application documentation requirements and said that the request seemed a little light; not as many documents requested as I would expect. Certainly, the stack of disclosures were in-line, but I was worried that there would be subsequent requests, particularly given some of the things that I knew about my friend's profile. But there it was, so I told my friend to expect further requests, and be prepared for even more requests - more bank statements, more income documents - and clarifications following those submissions. In fact, that's exactly what happened! S

Building Your Dream Home: Beware of Over-Spending

When it comes to building a dream home, most homeowners know enough to get ready to drop a decent chunk of change. Even in the best-case scenario, home building can skyrocket past estimates, particularly when costly upgrades and fixes are involved. Costly factors often tip the scales for home builders, increasing their budgets before they know it. Often times, homeowners put so many upgrades into their new or existing home that they actually overvalue their own property or the properties around it. Those looking to build their dream home would be wise to look at all of these factors before breaking ground, in order to save themselves valuable time and money. Unexpected Costs of Home Building

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