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Isolina Fernandez-Kirchner| NMLS# 49153
Mortgage Banker

Blog Articles

Planting the Seeds to Grow Your Down Payment Savings this Summer!

Planting the Seeds to Grow Your Down Payment Savings this Summer!

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A down payment is an initial payment made by a homebuyer with financing, generally ranging from 5 to 20

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Cheaper by the Dozen: Homebuying Tips for Large Families

Cheaper by the Dozen: Homebuying Tips for Large Families

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Having a large family can be a source of joy and pride for both you and your several children. However, it

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Brexit Vote Drives down Mortgage Rates, Results Show

Brexit Vote Drives down Mortgage Rates, Results Show

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Slow growth in China and the Brexit vote in the U.K., have played a major role in driving down mortgage

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Latest News: Mortgage Rates Keep Housing on Track

Latest News: Mortgage Rates Keep Housing on Track

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Numbers from the most recent housing reports from June show that low mortgage rates are keeping housing on

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Understanding The VA Home Loan Program

Understanding The VA Home Loan Program

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VA home loan programs may be used to finance the purchase of homes, condominiums or manufactured homes,

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Four Reasons Why Homebuyers Should Consider Seller-Paid Points

Four Reasons Why Homebuyers Should Consider Seller-Paid Points

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"Seller-paid points" are where the seller pays points to reduce the interest rate on your mortgage.

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Tips to Help Save Young Grads From the Student Loan Housing Trap

Tips to Help Save Young Grads From the Student Loan Housing Trap

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According to a new joint survey on student loan debt and housing released by the National Association of

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Owning In Retirement: 3 Options For Senior Homeowners

Owning In Retirement: 3 Options For Senior Homeowners

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Research estimates more than 50 percent of households lack enough retirement funds to maintain their

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Mortgages With Built-In Renovation Financing

Mortgages With Built-In Renovation Financing

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These loans help homeowners complete renovations with a loan amount that is based on an appraiser's estimate

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Common First-time Home Buying Myths

Common First-time Home Buying Myths

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When buying a first home, most people are making one of the biggest purchases of their lives. Without home

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Married & Mortgage- Tips for Newlyweds on their New Home Purchase

Married & Mortgage- Tips for Newlyweds on their New Home Purchase

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Wedding season is here. First comes love then comes marriage then comes home-hunting. It sounds simple but

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The Millennial Home Buyer

The Millennial Home Buyer

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According to the latest Zillow® Housing Confidence Index (ZHCI), among people 18-34 years old, 65 percent

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How to Clean Up Your Finances This Spring

How to Clean Up Your Finances This Spring

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Spring may be the “season of clean” at home, but it’s also an ideal time to organize your

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Looking to Buy or Refinance- Mortgage Rates Are In Your Favor

Looking to Buy or Refinance- Mortgage Rates Are In Your Favor

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Mortgage rates recently plunged to their lowest level since February 2015, unlocking more savings for home

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Boomerang Buyers- How to Find Your Way Back to Homeownership

Boomerang Buyers- How to Find Your Way Back to Homeownership

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Going through a foreclosure can be a traumatic experience,but it doesn’t mean you’ll never

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