The first taste of living by your own rules can feel pretty liberating, but can feel burdening if your future plans keep haunting you in your sleep.

January 1, 2018, President Donald Trump’s new 7 year tax reform law became effective.

Most first-time homebuyers think that the mortgage process begins when they find the home of their dreams—but this really isn’t the most cost-effective strategy. Instead, before you begin browsing the market, consider these four tips. They will significantly minimize your stress throughout the mortgage process. 

30-year mortgage rates have continued to drop this week, reaching the lowest rates in nearly three years. The recent drop is due in large part to the International Monetary Fund’s (IMF) declaration of concern regarding the global economy, which echo the concerns of the Federal Reserve and the European Central Bank. Many economists believe the rates will continue to drop in the face of uncertainty regarding oil prices and the overall stability of the global economy.

Applying for, and qualifying for a mortgage, has a lot in common with ballroom dancing. Partners step in and out with you, each taking the lead in their designated time and stepping back out to give the next in line a chance for a few turns around the dancefloor.