Hi, my name is David Leonard. Helping people “Finance Their Dreams“ is what I do best. I make it as possible by coming to you at a time that is convenient for you. I’ll guide you through the entire loan process right to the closing table and keep you updated the entire time. I’ll get you the lowest interest rate you qualify for with the term that best fits your budget. Put my 10 years of experience to work for you.
Recent Blog Posts
When people search for a home mortgage with little to no down payment, they often neglect some other important items in the home buying process. Here are some common mistakes that can be avoided with a little work.
The Mortgage Credit Certificate (MCC) is a tax credit that has been around for a number of years to help Wisconsin homeowners improve their ability to pay for their mortgage. Here are the basic guidelines of how the program works.
Mortgage overlays are specific rules a lender follows ABOVE the published guidelines set by Fannie Mae, Freddie Mac, FHA, VA and USDA.
Understanding how an FHA loan works can relieve stress for home buyers in the same kind of way. Here are some of the major points to consider.
Without a doubt there is a bit of a learning curve for most first time home buyers when it comes to mortgages.
The VA program has gone well beyond helping a group of returning soldiers obtain a loan to the point that whole generations have benefited from the VA's efforts. For people that meet the requirements a VA mortgage beats out other types of home loans in big ways.
Over the past 5 years many areas in the country have seen sharp declines in home values. Thankfully, that trend is starting to reverse. For this reason, most lenders are placing a lot of scrutiny on an appraisal for people considering a refinance. The appraisal is designed to ensure that the value assigned to the home matches the local market.
Many couples choose to use only one certificate to buy their first home and reserve the other VA certificate for a larger home purchase later on. If the spouse does not co-sign on the loan then they most likely will not be held responsible for the loan. This is not true in states that observe community property laws like Wisconsin.