My Clients on Working with Me:

Absolutely love working with you guys and would definitely do so again.

The Usual great service.  Thanks!

This is our second time working with Evan.  He has done a terrific job for us and we would use him again in the future.

My wife and I are extremely pleased with the service we have received from you.  You made it easy to buy a house.

Thank you for helping us in the house buying process!  We are so thankful for your attention to detail and ease in which you communicate.  You answered questions quickly and efficiently and made us feel comfortable with every decision we needed to make.  Your weekly updates helped us to know that we weren’t just another number, but clients that you valued (or at least it seemed that way!)  We will absolutely recommend you to our friends and family!

Thank you SO SO SO much for being so organized, so quick and efficient, for directing us every step of the way—this was almost TOO easy for us! We are so grateful to have had your support and expertise throughout this process. This is a very big/exciting step for us and your diligence and attentiveness was incredibly reassuring….THANK YOU!!


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The Latest from My Blog

Mortgage Rate Update November 30, 2015

Mortgage rates are slightly improved from last week. Mortgage rates are benefiting from the projected divergence in monetary policy between the US and Europe.  Here in the US the Fed is likely to raise the Federal Funds rate at their next meeting scheduled for mid-December.  Meanwhile, speculation across the Atlantic is that the European Central […]

Mortgage Rate Update November 23, 2015

Mortgage rates are unchanged from last week. Let’s start off the week with some housing news.  The National Association of Realtors released its existing home sales for October.  The headline number of existing home sales fell from September but remains ~4% above October 2014.  Within the report there are some interesting details. The inventory level […]

Mortgage Rate Update November 19, 2015

Mortgage rates are essentially unchanged from the beginning of the week. Yesterday the minutes from the last Federal Reserve monetary policy meeting showed that the Fed does intend on raising short-term rates at the December 15th-16th meeting as the markets have been expecting.  That said, the Fed did leave themselves an out by stating that […]

Mortgage Rate Update November 16, 2015

Mortgage rates effectively moved sideways last week.  We have a very modest improvement this morning which may be short lived. There are two events on the economic calendar that have me concerned this week.  Tomorrow we get the Consumer Price Index (CPI) from the Labor Department.  Consensus estimate for Core CPI (strips out volatile food […]

Mortgage Rate Update November 12, 2015

Mortgage rates are unchanged from the beginning of this week. As I wrote on Monday I don’t believe it is any coincidence that markets presently believe the Fed is likely to raise short-term interest rates by .25% at the Dec. 15th-16th meeting and mortgage rates have increased by .25% over the past couple weeks.  Speaking […]

Mortgage Rate Update November 9, 2015

Pricing for mortgage rates continues to worsen. In case you missed it Friday’s all-important jobs report came in stronger than expected.  The release showed that US employers added 271,000 new jobs during the month of October.  It also showed that average hourly earnings increased 2.5% from a year earlier.  As I have written about multiple […]

Mortgage Rate Update November 5, 2015

Pricing for mortgage rates continue to worsen as the markets increasingly believe the Fed will raise short-term interest rates at the December meeting.  According to CME Group the markets currently believe there is a 56% chance the Fed will hike (last week it was 50%). With all the focus on the Fed over the past […]

Mortgage Rate Update November 2, 2015

Mortgage rates are more or less unchanged from last Thursday’s ‘rate update’.  As I wrote then mortgage rates have risen by ~.125% since the Fed’s monetary policy statement delivered on Wednesday of last week.  Investors now assign a 50% chance that the Fed will increase short-term interest rates at the December meeting. It’s hard to […]

Mortgage Rate Update October 29, 2015

Mortgage rates have worsened modestly following the release of the Fed’s monetary policy statement. As was expected the Fed left short-term rates unchanged but their comments were unfriendly to mortgage rates.  Given the recent turmoil stemming from the Chinese economy many analysts had predicted that the Fed would wait until Q1 2016 to begin their […]

Budgeting help

As a CERTIFIED FINANCIAL PLANNER(TM) and mortgage professional I have shared countless conversations with customers on the various challenges of setting up and maintaining a household budget/ spending plan.  I know that I personally use Quicken for my household but that program can be a little cumbersome for folks (it helps to have some level […]