The Mortgage Report

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Mortgage and Lending - NMLS License #113781
I'm here to educate homebuyers and/or sellers on topics related to mortgage lending and share fun and educational facts about the real estate market. My company, FirstTrust Home Loans, offers highly competitive rates through our direct to consumer lending channel (no middleman) known as “Direct Rate.” We do this with transparency, service, speed, and a human touch. To meet these requirements, we offer an engaging, concierge user experience. Our Direct Rate system provides an intuitive borrower portal that offers simple, transparent interaction, the ability to easily, safely, and securely upload and store documents with real-time status updates and the ability to engage with experienced lending professionals at any point in the process. We have been in business since 2003. Choosing a mortgage lender is a major decision, and at FirstTrust Texas, we take our jobs as lending professionals very seriously. Please consider us for an opportunity to earn your business. Hope you find my blog educational.

ARCHIVED BLOG POSTS

2009 

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For people trying to time the mortgage market for the best rate, clues about the future of mortgage rates may be at the local gas station. Rising gas prices are indicative of the rising cost of energy and, indeed, crude oil appears to be on a continual rise upward.  As these energy costs grow, s...
06/12/2009

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The Pareto Principle is a statistical concept most commonly known as the 80/20 Rule.  It says 80 percent of the effects come from 20 of the causes. Apparently, the 80/20 Rule applies to foreclosures, too -- at least according to data compiled by foreclosure-tracking firm RealtyTrac. Based on dat...
06/12/2009

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Tighter mortgage guidelines since late-2008 are forcing home buyers to make bigger downpayments.  Anecdotally, the change has led to a surge in buyers taking gifts of cash from family members. If you're among those accepting a cash gift from family, it's important to know that you can't just dep...
06/12/2009

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Since Memorial Day, conforming mortgage rates have jumped by more than 1.125 percent, adding thousands of dollars to the annual cost of homeownership. To the casual observer, the moves may seem random.  There's a reason this is happening, however.  It starts with inflation. As an economic force,...
06/12/2009
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Kevin Whatley

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