J. Robert Dwyer's (rdwyer) Blog

The "Credit Crunch" is all over the news and it IS real, but what does that mean to you, the consumer?  In general, it means higher lending costs, but there are caveats to that in the mortgage world.  The atmosphere of mortgage lending has changed drastically over the past year and you, as a cons...

   With mortgage rates at all-time lows, refinance and purchase activity is picking up.  Many of my clients tell me during our first conversation that they don't want to pay points, usually because their brother or neighbor told them as much.  Let me ask you this:  Is you brother or neighbor a mo...