My Clients on Working with Me:

Evan was wonderful!  Prompt, helpful, and willing to educate us on the loan process.

Thank you very much.  We had a very good experience working with you.  Thank you very much for the excellent service; we would definitely recommend you to others.


I’m very happy with the service we received.

It was a pleasure, Evan.  I appreciate your clearly written explanations of the loan specifics.

Awesome Job!  Extremely Efficient & Professional.

The Latest from My Blog

Mortgage Rate Update April 28, 2016

Although mortgage note rates are unchanged today the pricing is improved from Monday so in fact conditions are better.  Applicants should be able to lock today with slightly lower closing costs compared to earlier in the week. Pricing for mortgage rates improved following the release of yesterday’s monetary policy statement from the Federal Reserve.  In […]

Mortgage Rate Update April 25, 2016

Mortgage rates are unchanged from the second half of last week.  As I wrote about last Thursday mortgage rates increased by ~.125% over the course of last week. This week’s economic calendar is jam packed with significant releases that could impact mortgage rates. On Tuesday the latest version of the S&P Case-Shiller home price index […]

Mortgage Rate Update April 21, 2016

Mortgage rates have worsened slightly from the beginning of the week alongside the yield on the US 10-year treasury note.  On Monday the yield on the US 10-year treasury note was 1.77% and currently it is 1.88% (+.11%). The culprit?  Positive signs for the labor are pressuring rates higher. Each Thursday the Labor Department reports […]

Mortgage Rate Update April 18, 2016

Essentially mortgage rates are unchanged from last week.  They have oscillated within a .125% range since the beginning of April with only minor volatility. Anytime we see prolonged periods of sideways trading I get nervous that a “breakout” is near.  A “breakout” is when rates move sharply one way or the other and given that […]

Mortgage Rate Update April 14, 2016

We had switched to a locking bias on Monday and that has proven to be the right call.  Mortgage rates have worsened very mildly since Monday.  This statement will contradict what you’ll hear from the media over the next couple days. The Freddie Mac Primary Market Survey, which is what major media outlets tune into, […]

Mortgage Rate Update April 11, 2016

Mortgage rates remain very attractive.  The 30yr fixed rates available today are only +.25% off the all-time lows created in November 2012. The big story in the financial markets this morning is the sudden increase to oil prices.  The price of a barrell is now trading above $40 and has increased by ~14% in the […]

Mortgage Rate Update April 7, 2016

Did you know that according to a recent survey approximately 40% of millennials think that lenders require a minimum of 15% down payment?  This misconception is keeping many from enjoying the benefits of homeownership.  Feel free to pass THIS POST on to others so we can spread the message that 0%-3% down options exist. Mortgage […]

Mortgage Rate Update April 4, 2016

Mortgage rates improved modestly last week and remain very near multi-month lows. Friday’s all-important jobs report was in line with market expectations.  215,000 new jobs were created during the month of March and the unemployment rate crept up to 5.0% as more citizens entered the workforce.  Mortgage rates held steady on the release. In case […]

Mortgage Rate Update March 28, 2016

Welcome back if you were away for spring break!  Mortgage rates worsened slightly last week but remain very attractive. US stocks ended last week slightly lower.  This follows five weeks of strong gains.  As I wrote about on Thursday (see HERE) I think the stock market looks vulnerable which could lead to lower mortgage rates. […]