File taxes now to help smooth your spring home-buying experience

Karen Mayfield
Mortgage Banking
Pen tip getting ready to write on a 1040 tax return. (Photo: Flickr/kenteegardin)

If I had to pick one action to take as soon as possible, it would be to file your taxes early.

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The new mortgage rules: What ATR means for you

Karen Mayfield
Mortgage Banking
houses_rooftops

Part of the 2010 Dodd-Frank Act, the ATR rule was established to set minimum standards that a lender must use to determine that consumers have the ability to repay the mortgages they get.

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The new mortgage rules: What QM means for you

Karen Mayfield
Mortgage Banking
Man and woman meeting with a loan officer

The Consumer Financial Protection Bureau has developed “Qualified Mortgage” requirements aimed at prohibiting risky features and practices.

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Lessons from the government shutdown: Be prepared!

Karen Mayfield
Mortgage Banking
flat, empty road heading into storm clouds in the distance.

As we learned from the government shutdown of 2013, financial hardship can strike at any time. Use these 6 tips to deal with an unexpected blow to your household income.

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