Local mortgage Loan Officer offers Insider Secrets on how to lower your Interest Rate.

The debt-to-income ratio indicates how high your debt is as compared to your income. The higher the ratio, the higher a credit risk you are. The ratio is a calculation of your total monthly debt payments divided by your monthly gross income.

8 Key questions to ask when applying for a Mortgage to Purchase a home or to Refinance. Included are Real Estate and Mortgage Lending definitions.

Call or email me for your FREE Home Buyer Tax Credit Kit.

The time is here! So let's add some value to your biggest investment...