Live Insurance News

How to sleep at night after you choose your mortgage provider

November 23, 2013April 17, 2014 Kirk Chivas

Many people believe interest rate/closing costs will determine which mortgage provider is best for them…if it were only that easy. Today’s home buying process can be exciting as new listings require attention quickly, and negotiating offers can fill up a weekend schedule without notice. Confidence in your Loan Officer and open communication can make a substantial difference in your ability to make decisions to keep the process moving forward. Reviews or client satisfaction surveys are fantastic resources to help understand all aspects of the process, some of which you may…

I Need to Get a Mortgage – Who do I Call First?

September 21, 2013April 17, 2014 Kirk Chivas

Mortgage rates have risen about 1% in the last 4 months of 2013. We even had some days that rates would rise 4 times in one day (read about that here). Refinancing your loan is no longer the cool topic at the hors d’oeuvre table at the Bunco party or at the water cooler discussion in the office. This is usually the spot where you will find a “topper” or “one-upper” who jumps into the conversation and says “Oh, yeah… Well I got a mortgage rate of 1.99% for 30…

It’s a race to find Homeowners insurance for your new home

September 7, 2013April 17, 2014 Kirk Chivas

It’s usually last on your list of things to think about when your offer on the new home gets accepted; locking down the homeowner’s insurance company you are going to use and securing the policy. An experienced mortgage broker will insist you get started on picking the insurance carrier as soon as your offer gets accepted. What’s the big rush? You are thinking that the closing will not take place for 3-4 weeks so you have plenty of time to shop around and get it done. Why do I have…