Anthony Mosley's (antmosley) Blog

Annual Percentage Rate What is the Real Cost of Financing?   Annual Percentage Rate (APR) is a tool that consumers can use as a starting point to compare loan programs. However, it's important to keep in mind that APR is not a perfect system, and not all lenders calculate APR in the same way. Wh...

Make the Most of Your Flex Account in 2012 Here's how to take advantage of an FSA before the amount you can contribute to one is lowered in 2013. By Kimberly Lankford, Kiplinger.com Will the maximum amount that I can contribute to my employer's medical flexible spending account shrink next year?...

  Honoring America's Heroes on Veterans Day On Friday, November 11, the nation will observe Veterans Day. This is a wonderful opportunity to honor America's veterans for their patriotism, love of the country, and commitment to serve and sacrifice for the common good of the USA. Did you know Veter...

  As you may know the USDA Rural Development has announced that funds will not be available for a short period of time during the beginning of their fiscal year which began October 1st, 2011. For most brokers or banks this has put a hold on the ability to fund loans underneath this product. VanDy...

Water heater efficiency can be a huge source of savings when it comes to your monthly utility bills. The cold months are on there way, so be prepared and save some money!You're all set to try out your new whirlpool.  You've lit your candles, you're turned on some Enya, you've poured yourself a gl...

  What Lenders Look for in Home Loan Applications Once your loan application is filled out and sent to the lender for review, the first thing they will look for is your ability to pay back the loan you are requesting. My team and I have a streamlined loan process to help you get your ducks in a r...

Congratulations! You searched and searched and finally found your dream home! Do you realize the importance of a home inspection before you buy? This may be one of your largest purchases ever. Would you buy a car without giving it a test drive? Of course not! Doesn't it make sense to have a set o...

Short Sales! In deed, as a lender we get the questions how does a short sale effect me? Can I still get financing? I was never late, so does it still effect my credit and ability to lend. All I can say is "DO YOUR RESEARCH"!It happens all the time: I have sellers and agents call me at the office ...

  Choosing the Right Real Estate Agent   Choosing the right person to represent you in negotiating your home purchase is a major decision. Whenever you see the designation of REALTOR® (with a registered trademark) you can rest assured that person is a member of the NATIONAL ASSOCIATION OF REALTOR...

What is in a name? What is in a title? Have you ever noticed when you look at the business card of  the branch manager of a bank that it typically labels them as "Vice President". So are you telling me that the young lady that opened my checking account is the "Vice President" of JP Morgan Chase?...