As you’ve probably seen, mortgage rates are up quite a bit over the past four or five months. Let’s talk a little bit about locking in a higher interest rate. Yes, you heard me right. I’m not crazy.  You might want to consider actually locking in a higher than market interest rate, and here’s why.…

Hi, I’m RJ Baxter with , and I’m standing today in front of beautiful Evergreen Lake in Evergreen, Colorado and what better place to talk about credit scores? I’m just kidding, of course, goofy to be talking about credit scores in front of a lake, but nevertheless pulled out my camera here. So let’s talk…

I want to talk today a little bit about FICO scores and the fact that you probably get several different FICO scores in your snail mail and in your email, or offers to get your credit score for free. And I wanted to talk a little bit about what this credit score means. I don’t…

Today we’re going to talk about the effect of inflation on rental rates. If you are a renter watching this video you’re going to want to pay attention. Or if you’re watching this and know a renter please forward this video because this is very important information. Over the last year we saw one of…

One of the most common questions that we get is what is APR, or why is my APR higher than my mortgage rate. So I wanted to explain what APR is today and explain the difference between APR and your actual mortgage rate, which is also called the note rate. I’m going to show you…

If you’re a homeowner, you might have received a property tax bill from the county. We get this question all the time this time of year, because it can be really confusing, especially if you’re a new homeowner. The reason why it’s confusing is what it’ll look like is that you have to pay the…

Is That Condo FHA Approved: How to Find Out? If you are shopping for a condo right now, no matter what the market’s in, and you’re obtaining an FHA mortgage – it’s important to figure out if the condo is FHA approved. FHA has a website where you can go and look up the condo…

What is a HECM Reverse Mortgage? Today I’m going to answer the question what is a reverse mortgage, and more specifically – What is a HECM Reverse Mortgage? First of all, what is a reverse mortgage? A reverse mortgage is simply any loan secured by a home where the payments are deferred to a later…

 Fed To Raise Rates In 2022? I wanted to share with you that the Federal Reserve just had their most recent meeting here in December, and they announced that they’re going to raise interest rates in 2022. This is something that we’ve been expecting for quite some time. And I wanted to share a couple…

This week’s tip is for you renters out there watching this video. And if you are not a renter but you know of someone that’s renting, please forward on this video, share it because this is very, very important information. This is a warning to renters right now that are perhaps wanting to buy a…