Agent Blogs

Are you aware that you can get three FREE credit reports each year? There are three credit reporting agencies: Equifax, TransUnion and Experian. Each agency may have a different method of calculating your credit score as well as listing different information in your report, so it’s... [ more ]

According to HEA’s Kilowatt Courier, we can better manage our electricity usage by being more aware of the number of kilowatt hours our household utilizes. Do you have any idea how much you may be spending on that old refrigerator in the basement that hums along month after month just... [ more ]

I just want to remind everyone about our spring 2010 Photo Contest.  We are updating the community resources pages of our website, and need your help with photos.  Prizes will be offered in 5 different categories Homer Attractions Coastal scenes and landscapes Homer... [ more ]

Last week, we were surprised by an eagle who apparently was shopping for a new “nest” by inquiring at our office. This juvenile eagle flew in and landed on the edge of a large planter that was sitting right outside our lobby window. We watched him (or her), enthralled by its close... [ more ]

Water cisterns are quite common in the Homer Area and therefore are acceptable for most loan programs. Some loan programs have some restrictions. So, be sure to mention this to your lender as soon you have selected a property. [ more ]

For most loan program nothing special is needed as long the on-site systems are working fine. As always, some exceptions do apply. So be sure to mention the existence of the on-site system to your lender early. [ more ]

Good question. In part it depends on how quickly you can provide all the required documentation to us. In general I can give you a prequalification in less the 24 hours. However, it may be subject to receipt of a number of supporting papers. [ more ]

For credit approval we need to document your income and sufficient funds to close. What documentation is needed will depend on your income source. Typically it will consist of pay stubs, w2s, tax returns and bank statements. Additional documents may be required specific to your income source... [ more ]

Somebody once told me “it is a fool’s errand to predict the interest rate”. That statement holds true today. Too many dynamics influence the shifting of interest rate every minute the market is open for trading for there to be real certainty. We may favor locking vs. floating... [ more ]

The credit report and other documentation shouldn't be older than 90 days. Once we have the initial application and documentation it is pretty easy to keep a file current. [ more ]

March 16, Homer Chamber of Commerce, Kenai Peninsula Association for Renewable Energy LUNCHEON 12 noon-1:30, 235-7740 Presenter Taz Tally, Renewable Energy Advocate, will present on advances in renewable energy technologies and funding sources for energy audits, weatherization and renewable... [ more ]

On Wednesday, I attended a presentation given by the Alaska Housing Finance Corporation. Their list of loan programs is impressive! Many of them are geared towards helping first time homebuyers realize their dream of purchasing their own home. Some programs offer 100 percent financing with no... [ more ]

Yesterday, Federal Reserve Chair Ben Bernanke announced to Congress that interest rates would likely remain low for an extended period. That is certainly good news for both buyers and sellers! With interest rates at an all-time low, people who are now renting might be pleasantly surprised to find... [ more ]

Most home inspections require approximately one & one half to two-hours on site. Writing the report & formatting the photographs obviously takes longer than that. The average inspection consumes approximately five to six hours (or more) of my time. It is always a good idea for... [ more ]

Yes,  we have an one year warranty on new construction. [ more ]