Category Archives: Mortgage

What’s a Diamond Worth?

A Diamond Approval That Is..

There are typically two ways to figure out how much you can get a home loan for: pre-qualification and then on to pre-approval. With the Diamond Approval we take it a step further to eliminate the unknowns and give you the utmost confidence when house shopping. A Diamond Approval could be worth its weight in gold, or well, diamonds when you’re buying a home. So, what is a Diamond Approval? And, how does it differ from the traditional approval methods?

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Rising Rate Refinancing: 5 Ways to Save

Rising Rate Refinancing : 5 Ways to Save

With interest rates trending higher we typically see refinances go down. However, there are several reasons to refinance other than lowering your rate. Let’s take a look at five reasons why you might want to consider a refinance even with rising rates.

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Home Scouting: Home Search Made Easy!

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Home Scouting Makes Searching

For A Home Easy!

Doug Haldeman, Mortgage Strategist (NMLS: 298419) with Cornerstone Mortgage shares the free service with his listeners.

He and Tammie discusses some of the benefits of the Home Buyer’s Scouting Report and how it is a great way for the consumer to shop for their next home or investment property.  There are so many great features available with this service.  Not to mention it has 100% of the MLS listings and we DO NOT sell your email to anyone.

If you are considering buying a home in the next 12 months be sure to visit the Home Search Tab above or you can download the mobile app on your phone.

Home Scouting Audio

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Record Home-ownership Rates

Record Home-ownership Rates


The U.S. home-ownership rate fell to the lowest in more than 50 years as rising prices put buying out of reach for many renters.

The share of Americans who own their homes was 62.9% in the second quarter. This is the lowest since 1965, according to a Census Bureau report Thursday. It was the second straight quarterly decrease, down from 63.5% in the previous three months.

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7 Mistakes Millennials Make in Home-Buying

7 Mistakes Millennials Make in Home-Buying


Millennials – they’re the generation between 18 and 35; the new young professionals; the recent graduates, and they’re also coming into the housing market in droves. Usually, they’re also first-time homebuyers, which means that they have the potential to make mistakes in the home-purchasing process.

Here are the top seven mistakes millennials make when they purchase a new home. Whether you consider yourself part of the generation or you’re just looking to ensure your home search goes as smoothly as possible, these tips should help any potential homebuyer.


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My Partner has Bad Credit; Can We Buy a House?

My Partner has Bad Credit; Can We Buy a House?

You’ve scrimped, saved, and made sure every bill is paid just to be in the perfect position to purchase a property. You’ve got great credit, but how about your partner? Eh, not so much. This is a very common issue that I run into on a weekly basis. Sometimes when a couple, married or not, is looking to purchase a home they run into the issue of one of them having bad credit. So, let’s take a look at your options if this is the case and some other possible solutions.

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Credit Lessons Your Parents Didn’t Teach You

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Paying interest is really painful.  It can be difficult to take the wisdom from the generations that lived through their life lessons.  When it comes to analyzing your parents credit it just may help you understand what not to do or what to do.

Here are some lessons we wish our parents had shared:

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Shopping Around For a Mortgage?

Shopping Around For A Mortgage

Here’s the inside scoop on how to do it right!

First:  Are you working with a TRUE Mortgage Professional?

The largest financial transaction of your life is far too important to place into the hands of someone who is not capable of advising you properly and troubleshooting the issues that may arise along the way.  But how can you tell?If your shopping just rates you may want to consider who your lender is going to be to handle your transaction.

 Here are FOUR SIMPLE QUESTIONS YOUR LENDER ABSOLUTELY MUST BE ABLE TO ANSWER CORRECTLY.  IF THEY DO NOT KNOW THE ANSWERS… RUN…  DON’T WALK… RUN… TO A LENDER THAT DOES! To help narrow your search Doug Haldeman is that lender! Continue reading Shopping Around For a Mortgage?

Buying A Home Comfortably

Buying A Home Comfortably
Buying A Home Comfortably

Buying A Home Comfortably

When you begin your home search it is always a good idea to figure out how much home you can comfortably afford.  You may have been preaqualified for a certain amount but will that allow you to live as you would like to live.  We are going to take a look at some of the monthly breakdowns of budgeting your lifestyle and how a downpayment may be helpful for lowering the monthly mortgage payment.

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5 Reasons to Refinance

5 Reasons to Refinance  

You may find that refinancing could save tens of thousands of dollars in interest and years of mortgage debt repayment. It does take some effort to get the process started. However, the time and effort spent could easily be worth it depending on your situation. 

*If you’re considering a refinance or have some questions you can contact Doug at (314) 472-DOUG(3684).

Here are some reasons that you may want to consider refinancing your home loan:

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