Ryan Young's (ryanyoung) Blog

As the overall mortgage market has become exceptionally conservative over the past couple of years, so too have borrowers.  All you have to do is just mention the word "adjustable" and "rate" in the same sentence and from my side of the desk you will find looks of fear on the other.  While it is ...

Over the past couple of weeks we successfully closed our last remaining DPA (Down Payment Assistance) transactions and thus the last 100% financing loans....   Possibly for ever?  My last two DPA transactions were first-time home buyers, who "needed" the program.  They didn't have enough money fo...

  I am a golf nut, golf fan, golf guru...  Whatever you want to call it, I love that silly game.  The majority of my friends still don't understand it, much less scratch their heads in earnest wondering why I would devote my precious hours at trying to get better at it.  I'm not that great at it...

  I just got off the phone with yet another first time home buyer, whom is doing the mad dash to make the DPA deadline.  They have a home picked out, they are pre-approved, and.....the seller is dragging their feet.  The seller doesn't believe there is actually a time sensitive deadline at stake...