Finance Skills- Loan Officer, SVP of Operation with"30+ years of mortgage lending, underwriting, with "Personal Financial Analysis."
Linda Todd 
Living a rich life doesn’t always mean having a lot of money. In fact, some of the happiest and most fulfilled people are those who have learned how to live a rich life on a frugal budget. It’s all about finding ways to live within your means while still enjoying the things that matter most to you. … Read more
How Mortgage Lenders Evaluate Your Income – is important, and making sure that you give them the full landscape, such as base pay, commission, self-employment, retirement income, bonus income, tip income, alimony, or child support. Lenders must verify that a borrower’s income is stable, consistent, and likely to continue for at least the next two … Read more
Behind The Mortgage Rejection: Preparation is Key-what you need to know and understand about mortgage loans being rejected. Getting rejected for a mortgage loan can be one of the most disappointing experiences a prospective homebuyer faces. For many people, the rejection feels personal. They pay their bills, work hard, support their families, and try to … Read more
You’ve Made Financial Mistakes?- You Don’t Have to Be a Guru To Get Back to Financial Balance Let’s face it, most of us have made financial mistakes. Maybe you accumulated more debt than you intended. Perhaps you spent too much on things you didn’t truly need, failed to save for emergencies, missed a payment, or … Read more
How Some People Build Financial Wealth- While Others Stay Stuck: Smart Strategies That Make a Difference  Many people work hard, earn income, and genuinely want financial stability, yet somehow remain trapped in the same financial cycle year after year. Bills get paid, but savings never seem to grow. Debt balances shrink slowly, or not at … Read more
Financial Strategies Explained- Smart Ways to Build Security, Wealth, and Financial Freedom Money touches nearly every area of life, our homes, families, health, retirement, opportunities, and peace of mind. Yet many people move through life reacting financially rather than planning intentionally. That’s where financial strategies come in. A financial strategy is more than simply saving … Read more
Budgeting Tips that anyone can use…as today more than ever, people are trying to find ways to cut back and trim their expenses. With so much talk about another recession, people are becoming afraid and are starting to find ways to put back some of their income. Whether you are expecting the economy to tumble, … Read more
How Do I Qualify For A Mortgage Loan- Start by examining your financial status, including credit, income, assets, debts you already have, and what you can afford in housing payments. Buying a home is an exciting milestone, but for many people, the mortgage process can feel overwhelming at first. The good news is that qualifying … Read more
What Are Closing Costs When Buying A Home- Mortgage closing costs typically range from 2% to 5% of your total loan amount and cover the processing, legal, and administrative services required to finalize your home purchase. These out-of-pocket expenses are paid upfront on closing day, separate from your down payment. How Closing Costs are Typically … Read more
Conventional Refinance Mortgages – Types, Term and Guidelines If you’re a homeowner looking to lower your mortgage payment, reduce your interest rate, shorten your loan term, or access home equity, a conventional refinance mortgage may be worth exploring. Conventional refinancing remains one of the most common ways homeowners restructure their mortgage debt because it often … Read more