Chrissy Andersen, NMLS: 1880256 - Mortgage Loan Originator

11/08/2025

Listen! As promised, I go into more detail here about the Federal Funds rate and exactly how that all works with mortgages and our economy as a whole.
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11/07/2025

As promised, a little more knowledge on the Federal Funds rate and exactly what it affects in our mortgage lending world and the economy as a whole. 📣🔊

07/11/2025

07/11/2025

02/27/2024

❗️Online Banks – These are typically call centers, not experts or advisors. They are slower and not available after hours/weekends.

❗️Working with a local lender - Did you know property tax rules are different in every state. Sure any lender can look up what the tax rate is in a certain area but can they advise you on the nuances of taxes may or may not change every year?

❗️Shopping Rate - Did you know the lowest rate is typically also the expensive rate? Whats your goal with your house? How long are you gonna stay there? Does it make sense to pay extra for the lowest rate?

❗️Searching Zillow – Zillow is a great place to dream, but not all the houses there are listed. If you can find an agent that works in a specific area that you’re looking in, they may have off-market deals that Zillow will never know about. Ask for a referral for a local agent or do your digging on social media. I know agents that work in highly desired neighborhoods and they do off-market houses left and right.

❗️Working with a local realtor – They know the area, they know the schools, they know the hot local spots and while they can’t advise on places to avoid per se; it is helpful to work with someone who is familiar with the area.

❗️Set a budget – When you shop outside your budget, you spent outside your budget – so pick your max monthly payment goal and then when you are searching houses, do not look at a single house above that budget.

02/20/2024

Do the math & then decide!
I’ve had people pay $15k + for a lower rate because the math made sense to them.

What would you do….

02/17/2024

Understanding your Debt-to-income ratio is crucial in the home
Financing process.

You can determine this ratio by dividing your monthly DEBT by your GROSS (prior to taxes) income.
Debts would include:
➡️credit card payments
➡️mortgage payment
➡️student loans
➡️car payments

Not things that do not show on your credit report such as groceries, gas, utilities, phone bill etc.

Reach out and let’s talk about what your personal debt to income ratios are and how this helps when purchasing a home. 📲📞

02/09/2024