Finance Skills- Loan Officer, SVP of Operation with"30+ years of mortgage lending, underwriting, with "Personal Financial Analysis."
Linda Todd 
Mortgage Backed Securities (MBS)-A Clear Explanation- and How They Shape Mortgage Lending, as these securities (MBS) are one of the most important and least understood parts of the U.S. housing finance system. If you have a mortgage, there’s a good chance your loan is part of an MBS right now, even if you’ve never heard … Read more
What are Fannie Mae (FNMA) & Freddie Mac (FHLMC)? This is A Deep Dive — From Someone Who’s Actually Worked Inside the System Before we get into the technical details, let me start with something most articles on this topic can’t offer: I’ve actually worked for Freddie Mac. Yes, this author knows a little bit … Read more
Understanding financial statements or reading financial statements involves analyzing three core reports: the Income Statement (profitability), the Balance Sheet (financial position), and the Cash Flow Statement (liquidity). Together, these documents reveal exactly how a business operates, manages its money, and sustains its growth. The Three Core Financial Statements The Income Statement (The Movie) This statement … Read more
How Appraisers Determine Market Value-Market Value Vs Appraised Value: When buying, selling, or refinancing a home, one of the most important steps in the mortgage process is the appraisal. Yet many homeowners are surprised when the appraised value differs from what they believe their home is worth. A common misconception is that appraisers simply look … Read more
10 Surprising Factors That Can Affect a Home Appraisal When buying, selling, or refinancing a home, the appraisal can be one of the most important steps in the mortgage process. An appraisal provides an independent opinion of a property’s market value and helps lenders ensure they are not lending more money than a home is … Read more
Breaking Free of Credit Card Debt will be the steps to feeling Financial Freedom. Do you live a lifestyle where charging necessities like groceries is unavoidable? If you do, things need to change! Being caught in a debt trap can be quite stressful and can even wreak havoc on your physical health and well-being. You … Read more
The Pros and Cons of Adjustable-Rate Mortgages: Is It Right for You? Read this, and consider all the pros and cons while making your decision. The economy at this point is not stable or predictable. If you’re on the hunt for a mortgage, you’ve likely come across adjustable-rate mortgages (ARMs) as an option. Unlike fixed-rate … Read more
Key And Essential Documentation For a Home Loan- The Application Process Buying a new home can be fun, but it can also be daunting at the same time. To make it more fun, know the steps to buy a house upfront before you go looking for the house you want to make a home. If … Read more
Did you know there is a difference between a HELOC vs. Home Equity Loan? Understanding the Differences and choosing the Best Option is key to getting your equity. If you have built equity in your home, you may be able to borrow against that equity through either a Home Equity Line of Credit (HELOC) or … Read more
Get the full report for Typical Mortgage Fees For Your Loan- A general summary of typical fees- Full Report for: What Closing Fees Are On a Mortgage. Most people focus on the current mortgage interest rates when shopping for a home loan. Interest rates are certainly important, but they do not represent the only significant … Read more