How can you take your credit score down 50, 100 or even 150 points in a single hour? It’s possible, and what is amazing is that it’s not that hard. People do it all the time. Let’s start with a little background. Your credit score is a measure of how likely it is you will...
How to Shop For a Mortgage
Shopping for a mortgage can seem a little like going to an apothecary and asking for something to cure what ails you. The alchemist goes into the back room, mixes together a bunch of mystery ingredients, mutters something incomprehensible, and then, poof! Your cure is ready. You may feel this is what happens when you...
Interest Rates and Inflation
10/16/17 | Casey Fleming | It’s been a while since I wrote about interest rates and inflation. In the last six weeks rates have crept up about 0.250%. Let’s talk about what happened. As you may recall, stocks and interest rates tend to move together most of the time. This is because as stock prices...
How Supply and Demand Affects Real Estate
7/13/2017 | Casey Fleming | For as long as I’ve been in the real estate finance industry (and that’s a long time) friends and family have asked me about real estate values – Are they going up? Are they going down? Are we nearing the peak? Are we close to the bottom? Over time the...
Pass on Real Estate Outside of Probate
There are only three certainties in life: taxes, death, and someone is going to be fighting over your estate if you die without putting your intentions in writing, especially if you own real estate. Of course you probably know you should have either a trust or a will, but now there is a new –...
The Importance of Thinking When Getting a Mortgage
One of the themes of my book is that rules-of-thumb are a very bad foundation on which to base decisions about your mortgage options. I recently completed a refinance for a client that perfectly illustrates the importance of thinking through the goals and concerns of the client before generating options and then choosing one. Background...
When to Avoid Buying a Condo
I am often asked whether buying a condo is a good investment. The short answer – I own one in New Mexico and yes, they can be a great investment. If you are buying a condo to live in it, it’s great to have all your exterior maintenance taken care of, and nice to have...
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