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How the “Average Joe” can purchase a home in today’s market.

For For Helping The

Did you know that in 2019 the "average" FICO increased up to 703? That is incredible for consumers wanting to enter today's housing market. But, with the "great recession of 2008", Fannie Mae altered what they considered "average" FICO scores with pricing or rate adjustments. Those alterations are called LLPA ( loan-level price adjustments ), in simple terms, they raised the bar of what average in their view. So with that, I put this educational video to help the "Average Joe", who has worked so hard to better their FICO scores obtain a better and who some more affordable housing. (https://www.cnbc.com/2019/09/10/average-fico-score-hits-all-time-high.html )

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National Rate Averages
Conv. 15-Year Fixed

%

-0.029

Conv. 30-Year Fixed

%

-0.019

FHA 30-Year Fixed

%

-0.093

Jumbo 30-Year Fixed

%

-0.059

Conv. 15-Year Fixed
Conv. 30-Year Fixed
FHA 30-Year Fixed
Jumbo 30-Year Fixed
Conv. 15-Year Fixed
Conv. 30-Year Fixed
FHA 30-Year Fixed
Jumbo 30-Year Fixed

Average interest rate values are calculated from actual locked rates with consumers across more than 30% of all mortgage transactions closed nationwide. For more information on how these indices are calculated, read more.

Ready to create a financial game plan?

I help families create a game plan with their finances. I understand that everyone doesn't have perfect credit or a large down payment, and or has a different timeline to retire.

My offer to you and your family is to create a game plan that is built on your needs, goals, credit, and assets for that new purchase or refinance.