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High interest rates and their connection to oil...
Should the government stay out of our affairs?
What do you think the FED is up to?
The Importance of Taking an Accurate Application... Avoid surprises down the road!
A Unique Little Economy...
Lake City Mortgage is Now Offering The Lake City Home Express!
I don't want interest rates to go down... I want people to get jobs!
Individually qualifying each person.
PMI is going, going, and gone for some people...
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What do you think the FED is up to?

I'm talking about the spike in oil recently... Who'd of guessed? A diabolical plan to increase the cost of oil while a Bush is in the whitehouse...?

Oil is a hedge against inflation. Oil is traded in dollars so when the dollar drops oil becomes a more attractive investment for those trading in foreign currency.

The FED cutting its key rate increases the likelyhood that the... Read More

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The Importance of Taking an Accurate Application... Avoid surprises down the road!

It is amazing to me how many people call up and ask for a rate with out wanting to supply any information. It goes something like this; the phone rings, I pick it up and greet the caller. Often times at this point I am asked "whats your rate". I used to try to explain to them that I cannot give them a rate without asking them a few questions first. I've heard the... Read More

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A Unique Little Economy...



The title of this post is referring to the economy of Plattsburgh, NY and the North Country as a whole. Amidst all of the doom and gloom being reported daily in the national news with regard to our economy nation wide out little economy is still booming!

People are still buying homes, more businesses are coming to town, and there are still plenty of employment... Read More
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Lake City Mortgage is Now Offering The Lake City Home Express!

We have an amazing new loan program here at Lake City Mortgage that is sure to help a lot of people. To my knowledge we are the only mortgage company in the area offering anything like it. 100% conventional financing has completely gone away which is why I am so thrilled to be able to offer The Lake City Home Express!

Here Are a Few of The Highlights:

  1. 100% financing of... Read More
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I don't want interest rates to go down... I want people to get jobs!


Interest rates are near historic lows. I remember when mortgage interest rates were in the high teens and you were very lucky to get a 12% rate. That was before I was in the business but I do remember hearing my parents talk about it as a young child.

The other thing that I remember from my child hood is that houses were selling! Sure you'd see the occasional real estate... Read More
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Individually qualifying each person.



Gudelines continue to change so quickly that it is hard to keep up. I work hard to stay on top of guidelines but in this market environment that just simply is not enough.

I see cookie cutter loan scenarios all the time that a while back I would not have given a second thought to issue a pre-approval letter on.

That is no longer the case; I call my underwriters, AE's, and... Read More
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