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Unlocking the Power of Home Equity: Smart Ways to Leverage Your Home’s Value
Using home equity is about more than just accessing cash; it's also about strategic planning. Keep these four tips in mind for successfully leveraging your home equity.
Philip Seely
May 54 min read


Are You Eligible for VA Loans? Exploring the Benefits and Application Process for Veteran Homebuyers
One of the most compelling features of VA loans is that you can finance 100% of the home's purchase price. This means no down payment!
Philip Seely
Mar 285 min read


Unveiling the Unexpected: Uncovering the True Pros and Cons of FHA Loans
About 84% of FHA loans are made to first-time buyers, showcasing their importance in the market for those dreaming of owning a home
Philip Seely
Mar 145 min read


Should You Choose a Fixed-Rate or Adjustable-Rate Mortgage? A Comprehensive Guide for First-Time Homebuyers
Although the P&I parts of your fixed-rate mortgage payment stay the same, the escrowed insurance and property taxes can vary...
Philip Seely
Feb 145 min read


Cracking the Code: Unraveling the Mystery of Mortgage Rates
Figures show the average consumer saves an average of $9,400 going through a broker in wholesale versus retail – even higher for minorities
Philip Seely
Jan 244 min read


Loan Decisions and How to Increase Your Approval Odds
As your business grows, you may want to pursue opportunities that require more funds than you have on hand. If you are considering...
Philip Seely
Nov 14, 20235 min read


They Say it's in the Numbers
The Home Mortgage Disclosure Act (HMDA) requires many financial institutions to maintain, report, and publicly disclose loan-level...
Philip Seely
Oct 19, 20223 min read


Surprise, Surprise, Surprise! Home Sales Surge in May
As an independent Mortgage Broker, we are asked everyday what the housing market is doing. Unfortunately, our crystal ball doesn't look...
Philip Seely
Jun 24, 20223 min read


Understanding Your Credit Score
Once you get your credit report, you will want to review it carefully. Ordering it is not enough—you must read it. Credit reports may...
Philip Seely
Jun 9, 20223 min read


Career With Benefits
If Covid-19 didn't teach you how to have a side hustle, nothing else probably will. When we started PHILANYA, we wanted to make a...
Philip Seely
Apr 3, 20223 min read


Lost Your Job? Looking For Something New?
An MLO can be a lending company, mortgage broker or loan officer.
Philip Seely
Feb 17, 20222 min read
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