Mortgage News

How To Be A Borrowing Know-It-All!

February 22nd, 2017 by Shane Ray

Nobody really likes a know-it-all. But I think there’s one exception to that. I always want the loan officer I partner with to be one. And what’s even better than […]

Influences of Interest Rates

August 1st, 2016 by Shane Ray

Mortgage interest rates are influenced by a wide variety of factors. One of the most important factors which influences mortgage interest rates is inflation. As a general rule, the lower […]

Protecting Your Credit Score

July 15th, 2016 by Shane Ray

Everyone knows that one of the most important elements of shopping for a home requires a strong credit score on the part of the consumer. While it’s one thing to […]

No Mortgages for Millennials

June 7th, 2016 by Shane Ray

Yes it’s true! It is currently the latest obstacle faced by young people who are willing to purchase a house in the chaotic housing market, where lenders are still paying […]

Identity Theft Prevention

June 2nd, 2016 by Shane Ray

With today’s technology in general and the internet in particular in conjunction with the ever increasing savvy of computer hackers, identity theft has become an epidemic in the United States. […]

How Much Can I Afford?

May 13th, 2016 by Shane Ray

It doesn’t matter what part of the country you live in or what your annual income is, it seems as though the rising prices in the housing market can make […]

Interest Rate vs APR

May 4th, 2016 by Shane Ray

Interest Rate and APR are probably two of the most misunderstood terms in mortgage lending. Understanding what they really are and how they affect a loan can make it much […]

Three Questions To Ask When Choosing a Lender

April 6th, 2016 by Shane Ray

The job of a mortgage lender is essentially to find home buyers the best loan for their financial situation. Contrary to what most people outside the mortgage industry think, it […]

The Process of a Refinance

March 31st, 2016 by Shane Ray

Homeowners in who are looking to refinance their mortgage loans can typically expect the process to take between two to four weeks depending on the lender. It also depends on […]

Shane Ray

Colorado Springs REALTOR®

Shane Ray

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