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Mortgage Advice
Ray Williams

Gathering Your Financials

Gathering your financials and sending them to a lender is part of the pre-approval process. You’re lender needs to see two months most recent bank

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Mortgage Advice
Ray Williams

Home Buyer Education

What is Home Buyer Education (HBE)? It is an educational course that covers the complete process of buying a home and becoming a homeowner.  The

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Mortgage Advice
Ray Williams

Real Estate Agents Commssions

As you may have already noticed, purchasing a home can be overwhelming, especially if you’re a first-time home buyer.  There is so much information to

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Mortgage Advice
Ray Williams

FHA vs. Conventional

This is a very common question I get asked on a daily basis.  What is the difference between FHA & Conventional loans?  Instead of getting

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