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Kevin Wheat| NMLS# 201815
Loan Officer

Blog Articles

Credit Card Debt Hits All-Time High: Should You Refinance to Consolidate?

Credit Card Debt Hits All-Time High: Should You Refinance to Consolidate?

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Americans have an absolute mountain of credit card debt- currently $986 billion, to be exact. On top

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Why Buyers Need an Expert Agent by Their Side

Why Buyers Need an Expert Agent by Their Side

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The process of buying a home can feel a bit intimidating, even under normal circumstances. But today's market is still anything but normal. There continues to be a very limited number of homes for sale, and that’s creating bidding wars and driving home prices back up as buyers compete over the available homes.

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Facts, Not Headlines: Understanding the New Loan Level Price Adjustments

Facts, Not Headlines: Understanding the New Loan Level Price Adjustments

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Starting May 1, upfront fees for loans backed by Fannie Mae and Freddie Mac will see changes in the Loan

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Spring Cleaning: How to Sustainably Donate Your Unwanted Items

Spring Cleaning: How to Sustainably Donate Your Unwanted Items

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With Earth Day coming up on April 22nd, it seems like the perfect occasion to begin some spring cleaning.

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Rates are Forecasted to Rise, Now Could Be a Good Time to Consider an Adjustable-Rate Mortgage (ARM)

Rates are Forecasted to Rise, Now Could Be a Good Time to Consider an Adjustable-Rate Mortgage (ARM)

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It’s easy to understand why predictable, Fixed-Rate Mortgages are a popular choice. However, the

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12 Variables That Affect Your Mortgage Interest Rate

12 Variables That Affect Your Mortgage Interest Rate

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Every transaction type and borrower’s individual financial profile can influence their borrowing costs.

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Home Buyer’s Edge: How to Get Your Offer Accepted in 3 Easy Steps

Home Buyer’s Edge: How to Get Your Offer Accepted in 3 Easy Steps

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Getting a Full Credit Approval can save you the frustration of getting your offers rejected in today’s

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Your Digital Legacy: Emergency SOS Features, Legacy Contacts, and More

Your Digital Legacy: Emergency SOS Features, Legacy Contacts, and More

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Setting up emergency features only takes a minute, but they can be vital in a crisis. Emergency SOS

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Why Your Closing Costs May Surprise You

Why Your Closing Costs May Surprise You

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According to this report from ClosingCorp, more than 50% of homebuyers are surprised by their closing costs.

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Real-Life Treasure: Checking Unclaimed Funds

Real-Life Treasure: Checking Unclaimed Funds

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Most people have never heard of unclaimed funds, but if a business, government office, or other source owes

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What You Need to Know About Tenant-Occupied Properties

What You Need to Know About Tenant-Occupied Properties

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Whether you’re purchasing or selling a tenant-occupied property, there are a handful of guidelines and

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What Typical Rent vs. Buy Comparisons Often Fail to Mention

What Typical Rent vs. Buy Comparisons Often Fail to Mention

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Typical rent vs. buy calculators, such as Freddie Mac’s, compare the total cost of renting and owning a

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Payment Saver Program: A Temporary Interest Rate Buydown Could Be Your Answer

Payment Saver Program: A Temporary Interest Rate Buydown Could Be Your Answer

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As borrowers navigate historically low inventory, inflation concerns, and volatile interest rates, there is

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Great News: Fee Elimination, Lower Rates for First- Time Homebuyers

Great News: Fee Elimination, Lower Rates for First- Time Homebuyers

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In an effort to offer legitimate assistance to first-time homebuyers in a higher rate environment, Fannie Mae

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2023 Real Estate Market Forecast: Positive Possibilities and a Gradual Return to Normalcy

2023 Real Estate Market Forecast: Positive Possibilities and a Gradual Return to Normalcy

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The 2022 housing market was defined by two factors: inflation and rising mortgage rates. In many ways, the

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