Blog

Post Close Warnings

Your closing is complete but we are still here if you have questions. If you are concerned about a piece of mail you’ve received,…

Credit Pre-Screen Opt Out

Companies sometimes try to get new customers by sending “prescreened” offers.Please take the time to review the…

How to Build an Emergency Fund

An emergency fund is an amount of money set aside to cover larger, unexpected expenses like: Major home repairs Appliance repairs Major car repairs Unexpected medical expenses And unemployment Having an emergency fund can help protect you from having to borrow funds through a high interest loan or rely on credit cards.

Why Refinancing is Something to Consider

Interest rates have dropped and given the recent market conditions we cannot be certain how long they will hold in place. You can learn why we are seeing fluctuating rates in this related blog post. There are a variety of reasons someone would want to refinance their mortgage. We will consider some of the goals our customers have achieved through refinancing to assist in determining if it is something you should consider.

Kentucky Homeowners: Relief may be available

KHC, Kentucky Housing Corporation, has reinstated a program to help Kentucky homeowners who have suffered job loss or reduction of income because of the COVID-19 pandemic. There are limited funds available and KHC is estimating that they will be able to help approximately 1,500 homeowners with this program entitled the Unemployment Bridge Program.

It’s a Seller’s World & We’re Just Living In It

Thinking of selling your home? You’re not the only one. Many homeowners who initially planned to list their homes this spring have gotten cold feet,…

The Truth about Forbearance

There has been a lot of talk about forbearance in the mortgage world lately. For those who are experiencing difficulty making their mortgage payments a forbearance could be a good solution but it may not be the best solution for each situation. It's best to understand what a forbearance is, as well as what it isn't before making a decision.

Protect Yourself from Phone Spoofing

Protect Yourself from Phone Spoofing As many organizations step up to help those affected by the COVID-19 outbreak, there are others who are stepping in to exploit this crisis through phishing scams and cyber-attacks. There has been a major increase in scamming attempts via phone calls and text messages—even some impersonating government organizations like Freddie Mac. So, just as we are being urged to be vigilant in protecting ourselves from germs, we must take precautions to protect ourselves from these criminals attempting to use “phone spoofing” to fool us.

Dale Vermillion for Stockton Mortgage

Talk Homes From Your Home

Talk Homes from Your Home Within our current environment, so many of us are sticking closer to home and minimizing unnecessary contact with other people. Keeping a sense of normalcy despite this temporary shift in our lives can become challenging, particularly if you are securing a mortgage due to refinance or home purchase. Being mindful of this we wanted to remind you of all the ways you can reach us without coming to the office.