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Philip Seely
2 days ago5 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
Jan 244 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
Nov 14, 20235 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
Oct 19, 20223 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
Jun 24, 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 9, 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
Apr 3, 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
Feb 17, 20222 min read
Lost Your Job? Looking For Something New?
An MLO can be a lending company, mortgage broker or loan officer.
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