Rate Assumptions

• Accunet Mortgage Minute - Spring (Mar 10) You don't need to have 20% down-payment to buy a house nowadays. See what Accunet can offer you!
• Accunet Mortgage Minute - International Crisis (Mar 4) The international news has helped rates dip low this week. Call in today to see how you can benefit.
• Accunet Mortgage Minute - Refiphobia (Feb 24)
• Accunet Mortgage Minute - January Jobs (Feb 17) We're shocked that rates are still lowering even though the Federal Reserve is planning on tapering off support for Fannie and F
• Accunet Mortgage Minute - The Market (Feb 3) If you closed last Fall, it may be the perfect opportunity for you to refinance before rates go back up again!
• Accunet Mortgage Minute - Preapproval (Jan 27) We've got some pretty cool programs for those of you looking to purchase a home. Call in now to see if you qualify before rates
• Accunet Mortgage Minute - Home Equity Line (Jan 20) Be careful - you may be summoned to pay off your Home Equity Line of Credit before expected. Consolidate now at a low fixed rate
• Accunet Mortgage Minute - December Jobs (Jan 13) Jobs came in SUPER low in December. What does that mean? Good for rates! But only temporarily. Call in to see if we can lower yo
• Accunet Mortgage Minute - Zero Down (Jan 6) You may be able to buy a home with ZERO DOWN. Call us now to see if you qualify with one of our zero-down programs.
• Accunet Mortgage Minute - Delayed Fees (Dec 30) Now that we have a new director, it looks like the fee increases may be delayed but NOT stopped. Don't wait to lose your chance
• Accunet Mortgage Minute - Government Grinch (Dec 16) I don't mean to be a Grinch, but rates are going up! Call in today to see how we can help you before that January 10th deadline.
• Accunet Mortgage Minute - November Jobs (Dec 2) It's already time for a new jobs reports this Friday and we really can't predict what the numbers will be. Thursday may be your
• Accunet Mortgage Minute - Gift (Nov 26) Give yourself the gift of a lower mortgage payment this Holiday Season before it's too late!
• Accunet Mortgage Minute - Doug Duncan (Nov 18) I got to sit next to Chief Economist, Doug Duncan, at a Lender Conference last week and got the inside scoop on where rates are
• Accunet Mortgage Minute - October Jobs (Nov 11) The relatively good jobs report this month isn't looking good for rates so lock in while you can!
• Accunet Mortgage Minute - GDP (Nov 4) New numbers are coming out this week and we don't know where they'll land. Lock in while you can and don't gamble with the oppor
• Accunet Mortgage Minute - Jobs Report (Oct 28) Unemployment rates were worse than expected and that means we're riding this "low rates" train for a little longer. Contact Accu
• Accunet Mortgage Minute - Good News (Oct 21) I know it seems contrary to what we've always preached but rates are down even though we got some good news from the government!
• Accunet Mortgage Minute - October Fed (Oct 14) We're coming up on another big decision regarding low rates with the Fed's meeting at the end of the month - lock in now!
• Accunet Mortgage Minute - Debt Ceiling (Oct 7) The government is playing with fire right now and, fortunately, it's to our advantage. Don't wait for it to take turn in the oth
• Accunet Mortgage Minute - Shutdown (Oct 1) How has the government shutdown affected the mortgage industry? Things are looking good...right now at least!
• Accunet Mortgage Minute - Gift Tax Credit (Sep 24) Need help from friends or family to buy that home? Get a gift! You can put as little as 3% down with Accunet's programs.
• Accunet Mortgage Minute - First Time Home Buyer Tax Credit (Sep 17) See how you can save on your tax bill from owning a home versus renting! We saved others money and we may be able to save some f
• Accunet Mortgage Minute - Disappointing Numbers (Sep 10) We got some disappointing numbers with the most recent jobs report bringing rates back down from an increase at the beginning of
• Accunet Mortgage Minute - August Jobs (Sep 4) The August Jobs report comes out soon. Don't want to wait for the rates to get worse to lock in for your refinance or purchase!

• Chief Choice Officer (March 10) Solid preapprovals, multiple lender options, low closing costs...the list goes on. Come see why Accunet is the best option for you!
• Chief Update Officer (March 10) The Russian invasion helped rates dip lower but the positive new in the monthly jobs reports is leading them to creep back up. Don't wait to save!
• Chief Research Officer (March 4) There are still plenty of people who have yet to refinance and benefit from the low rates. If you're one of these people, call in TODAY to see what Accunet Mortgage can do for you!
• The Genuine Article (February 24) The preapproval process is becoming labored, but Accunet tries to make the process as seamless as possible for you with a fully-verified preapproval.
• Chief Market Watcher (February 17) There's a small dip in rates this week. Is it worth while for you to call in now?
• Zero Down (February 10) Take advantage of the government programs put into place to help people become homeowners! You don't have to be a first-time buyer AND you may be eligible for ZERO down payment!
• Home Shopper Announcement (February 3) Don't let just ANYONE give you a preapproval letter. Let it be someone you can TRUST! Call Accunet today for your full-verified preapproval.
• Chief Jobs Officer (February 3) See if a refinance is worth while for you with the new jobs report numbers out for January.
• HARP Program (January 27) See if you qualify for these cool HARP loans. Call in today!
• Loan Refresher (January 20) You can get a loan for ZERO money down even if you aren't a first time home buyer! See if you qualify today.
• Sunday Radio Show - Remodeling Returns (January 19) (1 of 7) We discuss which types of remodels get you the biggest bang for your buck nowadays.
• Sunday Radio Show - What's Hot? (January 19) (2 of 7) It's important to be in on all of the recent popular trends for home remodels - listen in to hear what people are looking for in a home now.
• Sunday Radio Show - Affording Your Remodel (January 19) (3 of 7) A typical way to pay for remodels is by getting a Home Equity Line of Credit. Listen in as we discuss things to be cautious of if you already have one or are looking into this option.
• Sunday Radio Show - Rate Round-Up (January 19) (4 of 7) Not much has changed this week so we're still doing OK with low rates. See what Accunet can offer you today!
• Sunday Radio Show - Tom in Franklin (January 19) (5 of 7) Tom's son bought a condo in Madison with a WHEDA loan and is now upside down - he's wondering what his options are.
• Sunday Radio Show - Refinance Rule of Thumb (January 19) (6 of 7) It's always been said that you need to drop your rate 1% point to make it worth while. Well I have something to say about that!
• Sunday Radio Show - Stories of the Week (January 19) (7 of 7) I tell stories about finding an aggressive realtor for some clients as well as a lender in FL giving advice to our borrower to commit a felony!
• Chief Opportunity Officer (January 13) December had abysmal results for the job market. See what that's good for you and I!
• Sunday Radio Show - Monthly Unemployment Report (January 12) (1 of 8) The December numbers came in extremely low. Listen in to see how this affects the mortgage industry in the current market.
• Sunday Radio Show - Deductibility of Mortgage Interest (January 12) (2 of 8) Cousin Paul Wickert describes how deducting mortgage interest works for different people so you can be well-informed as tax time quickly approaches.
• Sunday Radio Show - Mortgage Credits Vs. Deductions (January 12) (3 of 8) We discuss the difference between mortgage credits and mortgage deductions and how they are affected by our new Mortgage Credit Certificate (MCC) Program.
• Sunday Radio Show - Eliminating Deductions?? (January 12) (4 of 8) The government has taken away some deductions that people used to be able to use in 2012. See what's changed for 2013 and if it affects you!
• Sunday Radio Show - Jim in Oconomowoc (January 12) (5 of 8) Jim got a bridge loan when he sold his longtime owned home of 26 years and is now wondering if his records of all the upgrades done over the years are deductible.
• Sunday Radio Show - Pease Limitation (January 12) (6 of 8) Are you a high income earner?? See what the Pease Limitation is and how it affects your deductibility of taxes in 2013.
• Sunday Radio Show - Qualified Mortgages (January 12) (7 of 8) Qualified Mortgages have taken into affect as of January 10th. We discuss what this means for people applying for a loan in the upcoming year and things to look out for with other lenders.
• Sunday Radio Show - Ruth in Sturtevant (January 12) (8 of 8) Ruth is retired and wondering how she can qualify to purchase a different home up North. She also wants to know if she can use equity from her current home to purchase the new one.
• New Director Mel Watt (January 6) Our new Fannie and Freddie Director is postponing the increase in closing costs. So, for now, we've still got great deals. Call in to see if they apply to you!
• Chief Home Buying Officer (January 6) You could be eligible to buy a home with ZERO percent down. Click on the Blue Button to see if you qualify today!
• Sunday Radio Show - 2013 Reflection (January 5) (1 of 8) The Case-Schiller index shows home prices went up significantly in 2013 but see why it doesn't apply to WI homeowners.
• Sunday Radio Show - Local Numbers (January 5) (2 of 8) I touch on the specific median home prices in WI regions and numbers in Southeastern Wisconsin.
• Sunday Radio Show - Pat's Question (January 5) (3 of 8) Pat's daughter's loan is in her name and is wondering how she should go about getting off of that mortgage - an important question for family members and divorcees.
• Sunday Radio Show - Ryan in Kenosha (January 5) (4 of 8) Ryan is looking to buy a rental property and wants to know how much money he needs to put down in order to qualify for this non primary residence.
• Sunday Radio Show - Fastest Selling Communities (January 5) (5 of 8) We discuss the areas that had the highest selling communities in Southeastern Wisconsin. See if you're in or looking to buy in one of these locations.
• Sunday Radio Show - Zero Down Payment (January 5) (6 of 8) See what you need to qualify for Accunet's zero down payment programs and what rates are at now!
• Sunday Radio Show - Jim in Milwaukee (January 5) (7 of 8) Jim is wondering what the minimum credit score is for buying a home in this newer and more laborious financing market.
• Sunday Radio Show - Get a Good Agent! (January 5) (8 of 8) I give some advice on how to make your purchasing experience better, easier, and more well-informed.
• HARP Program (December 30) The Home Affordable Refinance Program is still around and is as good a deal as ever. See if you qualify today!
• Sunday Radio Show - Coming Up (December 29) (1 of 6) I break down exactly when and where closing costs increase in the New Year. See which bucket you fall in and why they are increasing.
• Sunday Radio Show - Lat in Racine (December 29) (2 of 6) Lat had to file bankruptcy with his ex-wife and is wondering if he can buy a house now a year and a half later.
• Sunday Radio Show - Divorced Borrowers Beware (December 29) (3 of 6) Divorce is not uncommon. See how it affects home ownership and listen to my real example of what COULD happen to you when you're going through this process nowadays.
• Sunday Radio Show - Rate Round-Up (December 29) (4 of 6) Rates are up a bit from last week, again. I wasn't lying so call in before closing costs spike higher!
• Sunday Radio Show - Ben in Jackson (December 29) (5 of 6) Ben and his wife bought land this year with plans to eventually build a house. He's wondering if it would be better to build now with less money down or later with 20% down.
• Sunday Radio Show - HARP Program (December 29) (6 of 6) I discuss how all of the changes to come affect a great program - the Home Affordable Refinance Program. And we talk about how the HARP Program could help you!
• New Director Mel Watt (December 23) Mel Watt, the new Director of Fannie Mae and Freddie Mac's regulation, is giving us some insight into the future. Don't wait for the bad news to settle in.
• Sunday Radio Show - Borrower Mapping (December 22) (1 of 6) Loans that close after February 20th will see an increase in rate AND borrower requirements to qualify for loans. I map out the changes to explain the new guidelines.
• Sunday Radio Show - Closing Costs Spike (December 22) (2 of 6) See where the borrower really takes a hit with the new Qualified Mortgage guidelines and why the government is heading in this direction.
• Sunday Radio Show - Rate Round-Up (December 22) (3 of 6) The changes haven't taken place yet! Listen in to the rates that are still available at Accunet Mortgage in 2013.
• Sunday Radio Show - June in Milwaukee (December 22) (4 of 6) June heard that she can gift her grandchildren money for purchasing a home and wants to know what goes into the process of gifting money for a mortgage.
• Sunday Radio Show - Risky Business (December 22) (5 of 6) I explain how Fannie and Freddie are affection bank lending and what we can expect for loan programs in the future.
• Sunday Radio Show - Income Isn't Enough (December 22) (6 of 6) We had a borrower who makes plenty of money get denied. See how we solved this problem at Accunet Mortgage and how it wouldn't be possible to still do the loan with another lender.
• Fannie Mae Fee (December 16) Fannie and Freddie are increasing rates starting January 2014. It's rare that we know where rates are going but right now we do! Lock in while you can.
• Sunday Radio Show - Qualified Mortgages (December 15) As we're approaching the new year we will be having new nationwide requirements for providing financing. Listen in as I discuss Qualified Mortgages and how it will change the processes.
• Sunday Radio Show - Will You Qualify? (December 15) Wondering if you'll qualify for a mortgage at the turn of the New Year? Accunet really isn't changing our procedures because we've been doing this all along so we may be able to help you!
• Sunday Radio Show - Rate Round-Up (December 15) It's been confirmed that rates are going to continue to steadily rise into 2014. See what Accunet can offer you while rates are still superficially low.
• Sunday Radio Show - Jim in Brookfield (December 15) Jim is wondering how the changes in 2014 will affect closing costs and increased rates for borrowers. Does it make sense to hurry up and refinance now?
• Sunday Radio Show - Christine in Milwaukee (December 15) Christine has the great privilege of being given a home free of charge and is wondering what kind of fees go along with that transfer of property.
• Chief Convenience Officer (December 2) Everyone's looking to save this holiday season! When you're shopping online, make sure to click on the Blue Button to see how much Accunet can save you!
• Sunday Radio Show - Rates Throughout the Years (December 1) (1 of 6) In talking about rising home prices, we get some reliable numbers from the FHFA Index. Are they home prices really rising?
• Sunday Radio Show - Metro Numbers (December 1) (2 of 6) Home price numbers nationwide are interesting but we take a deeper look see where they lie in the Southeastern Wisconsin metro area.
• Sunday Radio Show - Advice to the Seller (December 1) (3 of 6) Listen in to hear my top 5 list of seller tips for getting a reasonable offer in today's market.
• Sunday Radio Show - What's Coming Up? (December 1) (4 of 6) What's the next big wind we're thinking could affect rates and where are rates now?
• Sunday Radio Show - Michael in Menomonee Falls (December 1) (5 of 6) Michael is wondering about his son's options for refinancing a WHEDA loan.
• Sunday Radio Show - They're Getting Picky (December 1) (6 of 6) Investors are requiring more documentation from borrowers nowadays than ever before. Accunet's systems are as streamlined as they get in order to try and give you the least amount of hassle during your loan process.
• Chief Economics Officer (November 25) We got confirmation from a Big Dog in economics that percentages will steadily rise to 5%. Don't wait to have me say "I told you so" and call in now to save!
• Chief Savings Officer (November 25) We know you're busy during the holidays but you're wasting precious time to save thousands as rates steadily creep up. Come save time AND money with Accunet Mortgage!
• Sunday Radio Show - Rates Are Up (November 17) (1 of 3) Interest rates increased with the positive news in the new jobs report but what does that really mean?
• Sunday Radio Show - What's A Percent? (November 17) (2 of 3) Listen in as I give examples with real numbers to compare rates today to rates last year AND possible rates in the future.
• Sunday Radio Show - Steve in Milwaukee (November 17) (3 of 3) Steve and his wife looking into purchasing their first home but still have student loan debt. I explain how that affects their purchasing power and what other first-time home buyers should also expect.
• Chief Honesty Officer (November 11) Accunet Mortgage prides itself on the personalized attention and honesty throughout the mortgage process. Give us a chance to win you over today!
• Providing Great Service! (November 10) Don't hesitate to get the full Accunet experience to see why everyone rates us so high in customer service!
• Chief Jobs Officer Again (November 4) Closing costs are low and so are rates at Accunet Mortgage. Don't let the jobs report hit and drive them up before you lock in your rate!
• Sunday Radio Show - Case Shiller Home Price Index (November 3) (1 of 6) I give a little background on how the Case Shiller Home Price Index works and why it's a great and accurate identification of property information throughout the nation.
• Sunday Radio Show - Averages Are Misleading (November 3) (2 of 6) We're looking at an increase in average home prices but we're still down from where they were in 2010. What does the forecast look like for next year, you ask?
• Sunday Radio Show - Federal Reserve Remains Steady (November 3) (3 of 6) The Federal Reserve has made some recent decisions that show us what we can expect for the future both near and far. Will they continue to promise money to the mortgage industry?
• Sunday Radio Show - Rate Round-Up (November 3) (4 of 6) Rates were up a little by the end of the week making closing costs a bit higher but we can STILL help you save money with great rates. Don't miss out!
• Sunday Radio Show - Dan in Wauwatosa (November 3) (5 of 6) Dan is looking to buy a home for the first time and wants to know the difference between adjustable and fixed rate mortgages. I break down the advantages and disadvantages of each.
• Sunday Radio Show - Looking Forward (November 3) (6 of 6) It can be stressful and confusing trying to determine where the market is and where it's heading. I give some tips on what to look for if you are a first time home buyer or any kind of borrower in these uncertain times.
• Chief Overhead Officer (October 28) We have great rates, great reviews and great prices! Compare us to the big guys here at Accunet.com!
• Chief Jobs Officer (October 28) It looks like the poor jobs report has been good news. You only need to go down .5% to save!
• Sunday Radio Show - September Jobs Numbers (October 27) (1 of 7) The new jobs numbers are in. How do we get the number and what does it mean?
• Sunday Radio Show - Mortgage vs. Jobs Market (October 27) (2 of 7) You may be wondering why we care so much about the jobs reports. I talk about how these markets are tied together and what we can expect in the future.
• Sunday Radio Show - Unemployment Records (October 27) (3 of 7) We talk about the highest and lowest rates in the last 10 years and how much and how frequently the tides can turn on a dime.
• Sunday Radio Show - What Affects Unemployment? (October 27) (4 of 7) See how education, sex, race and age all have varying impacts on the unemployment rates.
• Sunday Radio Show - Rate Round-Up (October 27) (5 of 7) Rates are down at low-overhead Accunet where our closing costs are exponentially lower than the national averages.
• Sunday Radio Show - Low Appraisal Story (October 27) (6 of 7) A couple was purchasing a new home and their appraisal came in extremely low - see how I dealt with the situation and how often in really happens.
• Sunday Radio Show - Updates Matter (October 27) (7 of 7) The Real Estate market is facing a lot of buyers expecting the granite counter-top, new paint and other small updates. A little goes a long way!
• Chief Good News Officer (October 21) Fall is a beautiful time of year to buy a home. Call into Accunet to see how low we can go!
• Sunday Radio Show - Debt Ceiling Extension (October 20) (1 of 8) Listen in as we discuss how the debt ceiling typically affects interest rates and how an extension is helping our industry now.
• Sunday Radio Show - Milwaukee Home Prices (October 20) (2 of 8) The Journal Sentinel says prices are rising but these numbers aren't true across the board for all South-Eastern Wisconsin markets.
• Sunday Radio Show - Pre-Approval Issuing Declines (October 20) (3 of 8) Fewer pre-approvals are being issued because it's too much work! Don't worry - Accunet is still providing fully-verified, fully reliable pre-approvals.
• Sunday Radio Show - Joe in Green Bay (October 20) (4 of 8) Joe wants to sell a home he owns to his daughter but she has a 635 credit score.
• Sunday Radio Show - Ryan in Greenfield (October 20) (5 of 8) Ryan recently refinanced and is not happy with his new Servicer's customer service. He wants to know if he can switch servicers without refinancing.
• Sunday Radio Show - Rate Round-Up (October 20) (6 of 8) Get this week's rates and see how Accunet can offer the same rates with much lower closing costs than the national average.
• Sunday Radio Show - Dan in Menomonee Falls (October 20) (7 of 8) Dan and his wife are getting a divorce and he is wondering if he can get approved to buy her out of the house now that he's retired.
• Sunday Radio Show - Top Pitfalls to Getting Preapproved (October 20) (8 of 8) Listen in as we discuss the top hardships people are facing when trying to get preapproved to purchase a home.
• Chief Window Officer (October 14) How will the federal reserve factor in new job numbers into mortgage rates? Call in now to see what Accunet can offer you!
• Chief Debt Reduction Officer (October 14) Accunet's down in the 2's (3.3 APR) on a 15 year fixed! See what options we can offer you.
• Chief Convergence Officer (October 8) The government shutdown may not be the most productive thing right now but at least it helps keep rates low!
• Chief Comparison Officer (October 7) Accunet Mortgage has competitive rates AND contributes to our government by paying income taxes compared to those not-for-profit credit unions. See what we can offer you today!
• Sunday Radio Show - Rent Vs. Buy (September 29) (1 of 7) Both sides of the debate have legitimate arguments. I talk about positives and negatives discussed in a recently published article regarding mortgages and home ownership.
• Sunday Radio Show - Jim in Milwaukee (September 29) (2 of 7) Jim think they have an oil tank and wants to know how that will have to deal with it when selling.
• Sunday Radio Show - Dan's Question (September 29) (3 of 7) Dan wants to know how much closing costs plus down payment would host him and how he could get the sellers to pay those fees.
• Sunday Radio Show - Rate Round-Up (September 29) (4 of 7) Uncle Ben is helping us keep rates low this week. They're down about a half percent so call in now before they change again.
• Sunday Radio Show - Why Are Rates Down (September 29) (5 of 7) The Federal Reserve has been buying loans every year to keep rates down - is this going to happen going forward? What can we expect?
• Sunday Radio Show - Condo Buyers Beware (September 29) (6 of 7) What are you really signing up for as a condo buyer?
• Sunday Radio Show - Rescuing a Deal (September 29) (7 of 7) Accunet helps rescue a customer's deal after a low appraisal comes in on a home they want to purchase. See how we're able to save deals that other banks can not.
• Chief Luck Officer (September 24) We got lucky that the rates are dipping a little at the end of October. Take advantage while the door is still open!
• Renters to Homeowner's (September 17) There are so many reasons to take advantage of the new WHEDA program. See how you as a renter can benefit.
• Chief Window Officer (September 9) You don't need 20% equity or a 25% down-payment to lower your rate or buy today - come see if you can benefit from this window of opportunity.
• Sunday Radio Show - Unemployment Rate Drops (September 8) (1 of 7) Let's put the new unemployment numbers into context - how does it really affect the mortgage industry.
• Sunday Radio Show - National vs. State Unemployment (September 8) (2 of 7) As we dissect unemployment numbers we can really compare national to local rates to see how they affect our individual cities.
• Sunday Radio Show - Printing Money Affects Rates (September 8) (4 of 7) Rates see-sawed a bit but the disappointing jobs numbers gave us some relief by the end of the week.
• Sunday Radio Show - Stories of the Week (September 8) (5 of 7) I explain how we were able to help a woman save $3000 and how things have changed with parents being able to cosign on their children's loans.
• Sunday Radio Show - Gifting Money (September 8) (6 of 7) A buyer calls in to see if the WHEDA program allows duplex purchases and I recap how parents can help their kids buy a home without co-signing.
• Sunday Radio Show - August Sales and Accunet's Customer Service (September 8) (7 of 7) Closing up the show I briefly describe August's home sales numbers and then describe Accunet's great customer service compared to a big bank who just ignored a man after denying his loan.
• Chief Low Down Officer (September 4) You don't necessarily need 20% down-payment on your home purchase! Call in to see how low you can go!
• First Time Home-Buyer Announcement (September 2) Hear all you can save as a first-time home buyer - don't miss out on saving money.
• Sunday Radio Show - 20% Down Payment Myth (September 1) (1 of 5) Let's break the myth that you have to have 20% of your home value as a down payment to buy a house - it just isn't true!
• Sunday Radio Show - George in Oconomowoc (September 1) (2 of 5) George is selling his primary residence and is wondering what information he should request the buyer provide in the pre-approval letter.
• Sunday Radio Show - Rate Round-Up (September 1) (3 of 5) Rates went down a little due to the unfortunate events that are unfolding in Syria.
• Sunday Radio Show - Tax Advantage as a Homeowner? (September 1) (4 of 5) In this increasingly purchase-driven market, I speculate as to reasons why people want to become homeowners. Are there really incentives?
• Sunday Radio Show - Top 5 Do's and Dont's (September 1) (5 of 5) Listen in as I share top reasons for my opinion on why people should become homeowners and how they can be successful homeowners.
• Chief Home Price Watcher (August 27) Home prices are up but not as much as we think. Call in and get pre-approved to buy your dream home today!
• Sunday Radio Show - Follow-Up on Charlie in Hartland (August 25) (1 of 7) I checked in to see if an ex-spouse's foreclosure really does affect the other spouse even though they're divorced.
• Sunday Radio Show - Existing Home Market Reflection (August 25) (2 of 7) I break down the number of home sales and median sales prices to see how it really affects the Milwaukee Metro Area.
• Sunday Radio Show - Home Price Comparisons (August 25) (3 of 7) The appraisal inspection isn't the end-all-be-all in your home value. I also discuss the different sales price numbers based on varying indexes - who's more accurate?
• Sunday Radio Show - Rate Round-Up (August 25) (4 of 7) After an explanation on how home sale prices affect rates today I go through this week's numbers.
• Sunday Radio Show - Tax Credit Recap (August 25) (5 of 7) If you want a refresher on the WHEDA tax credit program, listen in for the details to see if you can partake in it.
• Sunday Radio Show - Value Drop in One Year (August 25) (6 of 7) We had an example of a customer's value dropping 28% in value in one year. How is this possible?
• Sunday Radio Show - What's Affecting Rates Now? (August 25) (7 of 7) I lay out a couple of factors that are changing and/or affecting rates in the weeks to come.
• Sunday Radio Show - Reducing Tax Deductions (August 18) (1 of 6) An upcoming debate to be aware of is talk of reducing or removing tax deduction options. How would this affect everyone?
• Sunday Radio Show - Mortgage Credit Certificate Program (August 18) (2 of 6) The only thing better than a tax deduction is a tax CREDIT. See how you could benefit as a first-time home buyer.
• Sunday Radio Show - Home Sales Peak (August 18) (3 of 6) Single family home sales are up in July meaning this is definitely a seller's market. I review the price brackets and average time on the market for the month.
• Sunday Radio Show - Rate Round-Up (August 18) (4 of 6) Rates went up about an eighth due to some European news and good unemployment numbers. See where we're at!
• Sunday Radio Show - Frank in Dousman (August 18) (5 of 6) Frank wants to get some land for hunting and is wondering if he should get a HELOC or mortgage loan.
• Sunday Radio Show - Condo Home Sales (August 18) (6 of 6) Even condo sales have risen 32% since last year in the greater 5-county Milwaukee Metro area!
• Illinois - Chief Comparison Officer (August 13) Accunet TRIPLE checks before we preapprove you to buy a home. Be confident with your purchasing power and go to www.accunet.com today!
• Chief Opportunity Officer (August 12) See if it behooves you to take advantage of Accunet's 2.99 15 year fixed rate!
• Sunday Radio Show - Fannie and Freddie's Future (August 11) (1 of 7) Fannie Mae and Freddie Mac are in the news a lot now that Obama wants to get rid of them. Listen in as I explain these institutions that currently ensure government-backed mortgage loans.
• Sunday Radio Show - Charlie in Hartland (August 11) (2 of 7) Charlie's divorce "legally excused" him from his ex-wife's mortgage BUT now her home is going into foreclosure and is affecting his credit.
• Sunday Radio Show - Fannie and Freddie's Profit (August 11) (3 of 7) Where do Fannie and Freddie stand financially compared to when they were a private entity? You'd be surprised to see where your money has gone...
• Sunday Radio Show - Rate Round-Up (August 11) ( 4 of 7) Not a lot has changed this week - we can still offer the 4.375 rate (APR 4.38) and as low as $885 in closing costs!
• Sunday Radio Show - David in Waukesha (August 11) (5 of 7) David just sold his home in WI and is moving to CA. He's wondering how he should go about doing this and what he should look out for in the CA market.
• Sunday Radio Show - History Repeats Itself (August 11) (6 of 7) Taxpayers currently are paying for Fannie and Freddie to thrive - see how history is somewhat repeating itself with these programs.
• Sunday Radio Show - Choosing a Listing Price (August 11) (7 of 7) A recent study talks about "anchoring" an initial sales price in real estate. See what they found.
• Sunday Radio Show - Jobs Report Significance (August 4) (1 of 6)Why are these numbers so important to the mortgage lending world, you may ask? Listen in.
• Sunday Radio Show - Averaging Unemployment (August 4) (2 of 6) We always average the numbers across the nation but these numbers vary highly and a percentage could mean hundreds of thousands of jobs.
• Sunday Radio Show - Varying Home Prices Numbers (August 4) (3 of 6) The Case-Schiller Index along with other housing numbers are widely misunderstood. Help me help you understand what they all mean.
• Chief Opportunity Officer (July 30) If you have an interest rate of 5% or above you can still save money! See how and how much now.
• Sunday Radio Show - Wall Street Journal Notes Low Appraisal Impact (July 28) (1 of 7) The Wall Street Journal writes on how big of an effect low appraisals have on the market today.
• Sunday Radio Show - Rebutting Low Appraisals (July 28) (2 of 7) It is not as successful as people think but it CAN work - hear examples of when rebutting appraisals is an appropriate move.
• Sunday Radio Show - Rate Round-Up (July 28) (3 of 7) On average, big banks are charging 8/10ths of a point to do your deal. See how much more Accunet can offer for much less.
• Sunday Radio Show - Merilyn in Hubertus (July 28) (4 of 7) Merilyn has a big 12 bedroom house and the appraiser used a 2 bedroom foreclosure for a comparable. She wonders how this is acceptable.
• Sunday Radio Show - Home Sales Appreciation (July 28) (5 of 7) The Federal Housing Finance Agency's Home Price Index reports the entire country's appreciation in home price sales from May 2012-2013. See where we stand in comparison to the rest of the nation.
• Sunday Radio Show - Realtor.com Changing (July 28) (6 of 7) The National Association of Realty is increasing the inventory of homes listen on their website. See how this advantages you as a buyer!
• Sunday Radio Show - Blast from the Past (July 28) (7 of 7) I compare what rates and prices were when Becky and I first purchased our home to today and realize we're still sitting pretty.
• Chief Comparison Officer Returned (July 23) Other banks are advertising discounted closing costs but we offer the lowest closing costs we can afford EVERY day.
• Sunday Radio Show - Condominium Project Rules (July 21) (1 of 8) What do lenders look for in order to finance condominiums? I go through some of the key points that can make or break a deal.
• Sunday Radio Show - Condo Owner Woes (July 21) (2 of 8) A condo refinance or purchase is based on the whole lot, not JUST the individual unit. Hear my story on a recently denied condo loan - this is popping up a lot in this market.
• Sunday Radio Show - How to ID the Primo Real Estate Agents (July 21) (3 of 8) See what I think you should look for in your real estate agent, and, beware of walking into Open Houses "un-manned"!
• Sunday Radio Show - Rate Round-Up (July 21) (4 of 8) People are starting to think the Fed will back bonds for a little longer than originally expected. Rates are a little better...for now.
• Sunday Radio Show - Buyer's Agency (July 21) (5 of 8) Learn how buyer's agency and commission works for all involved in your real estate transaction.
• Sunday Radio Show - Bob in Franklin (July 21) (6 of 8) Bob has a question about how pre-payment penalties affect him in his business of flipping properties.
• Sunday Radio Show - First-Time Home Buyers Tax Credit (July 21) (7 of 8) Who doesn't want free money? I recap the Mortgage Credit Certificate program for all those first-time home buyers out there.
• Sunday Radio Show - Predicting the Future? (July 21) (8 of 8) Fortunately some people think rates won't go as high as they used to be. Refinancing is still worth while for some people.
• Chief Comparison Officer (July 16) We really believe we offer the best preapprovals and lowest closing costs. See if you think we're better than the big banks too!
• Sunday Radio Show - June Housing Numbers (July 14) (1 of 6)Wee which counties are up on number of homes sold and median sales price for the month of June.
• Sunday Radio Show - Government Program Recap (July 14) (2 of 6) Listen in as I explain why programs like Fannie Mae, Freddie Mac and FHA are so beneficial and why it's not so great that they're winding down on their guarantees.
• Sunday Radio Show - Rate Round-Up (July 14) (3 of 6) Rates have come down a little since the June jobs report. See what kind of rates and closing costs Accunet can offer you today!
• Sunday Radio Show - Importance of a Clean Title! (July 14) (4 of 6) Liens on your Title could prevent you from selling or refinancing your home. Listen in to a close call story about finding a lien on a title right before closing.
• Sunday Radio Show - Experienced Real Estate Companies (July 14) (6 of 6) Continued from my lien story, I explain the importance of finding an experienced real estate agent to identify things like the BEFORE the offer is written on a home.
• Chief ARM Officer (July 9) When's a good time to get an ARM loan? NOW! See why and if it's a good option for you.
• Sunday Radio Show - June Jobs Report Beats Expectations (July 7) (1 of 17) Jerry Serketich leads the show this week. Tune in to see how June's jobs report affected rates and the market.
• Sunday Radio Show - Tony in Racine (July 7) (2 of 17) Tony recently filed bankruptcy and now has a couple questions regarding his house, which originally was left out of the bankruptcy.
• Sunday Radio Show - Rates Jump, But Still Very Affordable (July 7) (3 of 17) The rising economy means rising rates, but rates are still incredibly affordable, so call Accunet to get pre-approved today!
• Sunday Radio Show - Kelly (July 7) (4 of 17) Kelly is looking for advice on how to price a condo that has recently come in to her possession.
• Sunday Radio Show - Rate Round-Up (July 7) (5 of 17) Rates continue to climb, which means now is the time to refinance or purchase your home before you miss out on historic low rates!
• Sunday Radio Show - Know Your Credit (July 7) (6 of 17) Jerry has a list of 10 things everyone should know before buying a home, and first up is the importance of knowing your credit scores.
• Sunday Radio Show - Shoot for an Affordable Home (July 7) (7 of 17) Unsure of what's in your home buying budget? Jerry gives some good guidelines how to determine what is affordable for you.
• Sunday Radio Show - Discussing Debt to Income Ratio (July 7) (8 of 17) Tune in to learn how to determine your own ratio and what you should aim for when purchasing a house.
• Sunday Radio Show - Down Payments (July 7) (9 of 17) Not everyone can afford a large down payment. Jerry discusses what to expect and what options you may have when putting down less than 20 percent when purchasing a home.
• Sunday Radio Show - Utilize the Help of Professionals (July 7) (10 of 17) Remember, getting the right help likely will save you time and money during your home buying experience. Listen in for details.
• Sunday Radio Show - Get Pre-Approved (July 7) (11 of 17) Take advantage of these lower rates before they're gone by clicking the blue button and getting pre-approved with low overhead Accunet today!
• Sunday Radio Show - Remember Interest Rate & Points (July 7) (12 of 17) Low rates are great, but they're not always the cheapest route. Here at Accunet, we will help you look at the big picture in cost to help you decide which deal is best for you.
• Sunday Radio Show - Location, location, location (July 7) (13 of 17) Do you want to live by a school? Or work? Maybe both, or more. Remember this time tested adage when buying a home.
• Sunday Radio Show - What is Your Timetable for a Home (July 7) (14 of 17) Are you in your home for the long haul, or plan on moving in a few years? The professionals at Accunet can help you decide what mortgage type is right for you and your future, so call today!
• Sunday Radio Show - Research Before Making an Offer (July 7) (15 of 17) Utilize available data to compare your home, or offer on a house, to similar ones in the area to help get the best price you can!
• Sunday Radio Show - Importance of a Home Inspector (July 7) (16 of 17) Something many of us are familiar with, but getting a home inspection today on your potential home could mean big savings tomorrow.
• Sunday Radio Show - Upcoming Economic Reports to Look For (July 7) (17 of 17) Jerry briefly highlights what upcoming reports the markets are sure to keep an eye. Tune in to find out.
• Chief Opportunity Officer (July 1) Don't let this window of opportunity close on you! Rates are back down a bit from recent highs.
• Mortgage Certificate Program (July 1) Are you or someone you know looking to be a first time home-buyer? Accunet is offering a new Federal Tax Credit program. Tune in to see if you qualify.
• Sunday Radio Show -The Real Untold Story of Rates (June 30) (1 of 7) Rates are rising faster than they have in years! With the attention this news is receiving, I discuss why there is no need to panic.
• Sunday Radio Show - Case-Shiller Index Jumps Up in April (June 30) (2 of 7) With home prices in the U.S. up 12.1 percent from a year ago, let's take a look at some of the larger markets nationwide.
• Sunday Radio Show - Wisconsin Home Prices Slightly Up (June 30) (3 of 7) The FHFA shows that Wisconsin's home prices are rising slowly, which means that it is still a great time to buy while rates retreat slightly from their recent rapid increase.
• Sunday Radio Show - Rate Round-Up (June 30) (4 of 7) Rates receded slightly in the last week, so if you've been holding out, give us a call or click the Blue Button today!
• Sunday Radio Show - Mark in Lake Geneva (June 30) (5 of 7) Mark is looking for a winter home down in Sarasota and would like some advice. I share my thoughts on a well-recovering Florida market.
• Sunday Radio Show - Examining the Effects of Bracketing (June 30) (6 of 7) A local home recently sold well above its asking price. But will it appraise out? I discuss how appraisal bracketing can affect an accepted offer.
• Sunday Radio Show - Getting Pre-Approved (June 30) (7 of 7) Being thorough on a pre-approval is a great way to know how much of a payment you can afford. Call today or click the Blue Button to get your own pre-approval with low overhead Accunet!
• Chief In Between Officer (June 19)

  Shorten your term and save on interest with Accunet's 20 year fixed rate.

• Chief Buying Officer (June 18) Let's not underestimate how complicated it is to qualify for a loan now-a-days. Accunet does everything we can to make it as smooth as possible.
• Sunday Radio Show - Buy As Much Home As You Can Afford (June 16) (1 of 11) Now is the time to make the most of your home purchasing. Let's dig in to why home buying power will likely weaken in the coming years.
• Sunday Radio Show - Krista in Madison (June 16) (2 of 11) Krista, a first time home buyer who recently closed on a home with us, calls in to describe her experience with Accunet. Thanks again Krista, and congrats on your new home!
• Sunday Radio Show - Adjusting to a New Normal (June 16) (3 of 11) While we've become acclimated to low rates over the last few years, it's time to realize they won't last forever. It's not too late to enjoy these all-time lows, so give us a call or click the Blue Button today!
• Sunday Radio Show - Looking at the Future Housing Landscape (June 16) (4 of 11) I discuss why buying as much house as you can today outweighs upgrading down the road.
• Sunday Radio Show - Rate Round-Up (June 16) (5 of 11) Rates looking better than they have in weeks, so take advantage now while you can!
• Sunday Radio Show - Use a Bona Fide Buyers Agent (June 16) (6 of 11) Home buying can be tricky for anyone, so don't get caught without representation come negotiation time.
• Sunday Radio Show - Allow Time for the Inspection & Follow-Up (June 16) (7 of 11) Catching problems early saves time and money. I discuss why not leaving enough time for an inspection could cost you more than you think.
• Sunday Radio Show - (June 16) (8 of 11) The right to cure defects not only protects buyers from potential structural issues, but can also be used as a powerful bargaining chip. Let's look at the potential of both.
• Sunday Radio Show - Combined Finance Contingency (June 16) (9 of 11) Learn how to protect yourself as a buyer when it comes to appraisals and financing.
• Sunday Radio Show - Bob in Cedarburg (June 16) (10 of 11) Bob is close to closing only to find out that his buyer has two federal liens. Let's look at the steps to take to ensure that your buyer has been fully vetted before you become too emerged in the deal.
• Sunday Radio Show - Dealing with the Details of Home Buying (June 16) (11 of 11) With how tight regulations are these days, skewed details can derail any deal. I talk about how documenting has become something of a "fetish" in the lending world, and how you can avoid any missteps.
• Chief Honesty Officer (June 10) Take those low rates the big banks are giving you with a grain of salt. Accunet can give you a true rate quote AND without the hidden fees.
• Chief Update Officer (June 7) I'm here to remind you that there's still time to refinance and that Accunet offers some of the best pre-approvals around! See why now!
• Chief Differentiation Officer in Illinois (June 3) Accunet has a 98.63% recommendation rating because we offer up front low rates and closing costs unlike some of our competitors. Don't be sucked into the deceiving rates.
• Chief Countdown Officer (June 3) Remember we still only have until next Friday, June 7th to see what happens with the jobs report but we can never predict what they'll reveal. Avoid the impact and click the Blue Button today!
• Chief Clock Officer (May 28) We're counting down 'til the next jobs report on Friday, June 7th. The clock is ticking - don't wait for the rates to skyrocket.
• Sunday Radio Show - Milwaukee-Metro Paired Sales Analysis (May 26) (1 of 8) Home prices across the country are trending up since last year. So where does the Milwaukee Metro Area stand so far in 2013? Tune in to find out.
• Sunday Radio Show - Reviewing Markets this Year (May 26) (2 of 8) We broaden our scope to the larger markets across the nation and see where housing values have increased or maybe decreased over the past year.
• Sunday Radio Show - April's Market Velocity (May 26) (3 of 8) How long might it take you to sell your house? Let's delve in to April's market velocity and learn more.
• Sunday Radio Show - Rate Round-Up (May 26) (4 of 8) Closing costs may have increased a bit over the last few weeks, but great rates are still available!
• Sunday Radio Show - June's Potential Rise in Rates (May 26) (5 of 8) The Federal Reserve is contemplating on when to taper its bond buying. I discuss how the market reacts to recent and upcoming economic news.
• Sunday Radio Show - Dan in Milwaukee (May 26) (6 of 8) Dan is currently renting and inquires in to the possibility of rolling his current student loan in with a new mortgage loan.
• Sunday Radio Show - Tristan in Waukesha (May 26) (7 of 8) Tristan is considering refinancing his FHA loan. Our low cost Desk Evaluation Review might be the tool he needs to start saving him some money.
• Sunday Radio Show - Home Prices and Rates Up (May 26) (8 of 8) With home prices and rates both rising, now is the time to take advantage of these still low rates before time runs out!
• Chief Differentiation Officer (May 21) See the many reasons why Accunet is better than most of our competitors. Go local and see how satisfied you'll be!
• Sunday Radio Show - Still A Seller's Market (May 19) (1 of 9) I give more examples from family friends selling in this great seller's market. See what can help sell YOUR home in 4 hours!
• Sunday Radio Show - Broker Commission Today (May 19) (2 of 9) We discuss the different between a full and limited service agent model in real estate. See which one I recommended my friend to use in selling their home.
• Sunday Radio Show - Nick in New Berlin (May 19) (3 of 9) Nick is going to graduate school for 7 years and is wondering if he should purchase or rent in this market.
• Sunday Radio Show - Nick's MCC Qualification (May 19) (4 of 9) Nick may be a great candidate for the new WHEDA MCC Program so I recap the qualifications for that program to see if he may be interested.
• Sunday Radio Show - Rate Round-Up (May 19) (5 of 9) Rates have gone from super fantastic to just plain fantastic. See where we're at today!
• Sunday Radio Show - Allison's Question (May 19) (6 of 9) Allison was wondering if it's worth it for her to refinance with her current rate at 4.5%. I talk about what it means to be "worth" it in this day and age.
• Sunday Radio Show - Volatile Rate Factors (May 19) (7 of 9) Everyone wants to know what makes rates so volatile. I go over the top 5 factors that affect rates.
• Sunday Radio Show - Don't Second Guess (May 19) (8 of 9) There are way too many things that affect rates and we can't possibly predict where they'll go. We only know what we know now so don't second guess if you can save today!
• Sunday Radio Show - Realistic Home Sales Numbers (May 19) (9 of 9) Not all offers are for more than the listing price. I go over the average numbers as of late.
• Chief Choice Officer (May 13) Accunet is still giving you the choice and opportunity to refinance at low rates before they tick up. Don't miss out!
• Sunday Radio Show - A Seller's Strategy (May 12) (1 of 10) I recap an Accunet customer's experience with a bad inspection on a home they wanted to buy. See what they did to keep the deal alive.
• Sunday Radio Show - Mike in Kenosha (May 12) (2 of 10) Mike owes more than his home is worth and wants to know his options. I go over the HARP program and eligibility.
• Sunday Radio Show - Sue in Burlington (May 12) (3 of 10) Sue wants to put her house on the market but it needs some work. Should she do the work first or just list it?
• Sunday Radio Show - April Highlights (May 12) (4 of 10) Are home sales going anywhere? Tune in to see where April stood in the grand scheme of things.
• Sunday Radio Show - Rate Round-Up (May 12) (5 of 10) We're glad that the employment numbers are better but every upside has a down side. See what rates are now and what we can or cannot look forward to.
• Sunday Radio Show - Bruce in Waukesha (May 12) (6 of 10) Bruce is wondering if it's true that the banks are the ones turning down deals now in underwriting.
• Sunday Radio Show - A Word on Appraisals (May 12) (7 of 10) Appraisals are quickly becoming the big bad wolf in mortgage deals. I recap the appraisal's affect on deals.
• Sunday Radio Show - Scott in Hartford (May 12) (8 of 10) Scott and his wife are outgrowing their home and want to build. Should they try and qualify while they stay in the home?
• Sunday Radio Show - Dick in Waukesha (May 12) (9 of 10) Dick wants to buy a foreclosure that's available with the Fannie Mae Home Path Program.
• Sunday Radio Show - Mike in Brookfield (May 12) (10 of 10) Mike is interested in a lake home and wants to know what it means to "lock in a rate". Does he need to have a property in mind or an offer to lock in?
• Chief Honesty Officer (May 6) See why low overhead, high satisfaction Accunet is the most trustworthy Mortgage Banker around!
• Chief Jobs Officer (May 6) The better-than-expected jobs report increased rates but you can never predict what'l happen to rates. See if you can still save.
• Sunday Radio Show - Jobs Report Influence (May 5) (1 of 6) See why the jobs report has the most impact on mortgage rates and where the trends are this year so far.
• Sunday Radio Show - 8 Tips for Writing a Winning Offer (May 5) (2 of 6) As a licensed real estate agent, I wanted to give my advice to buyers on how to write up your winning offer - the first time! Listen in.
• Sunday Radio Show - Rate Round-Up (May 5) (3 of 6) Up a little from last week, but rates are still lower than ever so don't be discouraged and call in today!
• Sunday Radio Show - Dan in Madison (May 5) (4 of 6) Dan is wondering how we can close the gap between the seller's price and the appraisal when purchasing a home.
• Sunday Radio Show - Michael in Port Washington (May 5) (5 of 6) Michael's appraisal came in $300,000 lower than the year before - a common occurrence nowadays. He's wondering if there's a way to counter the appraisal.
• Sunday Radio Show - Case Shiller Home Price Index (May 5) (6 of 6) Can you really take the Case Shiller Home Price Index at face value? See why the numbers are deceiving.
• Chief Forecasting Officer (April 29) We have until Friday, May 3rd to see how rates will change based on the new Jobs Report. The rates are great now so take advantage of them while you can!
• Chief Honesty Officer (April 29) Don't let the big banks pull a cloak over your eyes! Accunet's highly satisfied customers can attest to our great deals and up-front details. Become one of them today!
• Accunet Realty (April 29) See how Accunet Realty Advisers can provide you with a trusted expert in the field!
• Sunday Radio Show - Buyer's Negotiations and Bank Approvals (April 28) (1 of 8) Purchase Price, Inspections and Appraisals all affect the bottom line in a real estate deal, but the banks have their own rules too. I talk about how they can deny a loan because of a seemingly good appraisal.
• Sunday Radio Show - March Home Sales (April 28) (2 of 8) We're getting back to the old "normal" numbers for home sales, but does that translate to your city's market? Listen in to find out.
• Sunday Radio Show - WI Home Sales Market (April 28) (3 of 8) The home sales market might be up 7% but not necessarily for you. See where WI stands on numbers and types of homes sold so far this year.
• Sunday Radio Show - Cash Offers (April 28) (4 of 8) Cash offers for home purchases are now at 30%. I speculate as to how that helps the housing market.
• Sunday Radio Show - Theresa in Milwaukee (April 28) (5 of 8) Theresa is a first-time home buyer and is wondering what the process of purchasing a relative's home looks like.
• Sunday Radio Show - Rate Round-Up (April 28) (6 of 8) People are noticing the great rates and you should too! Also see why taking a higher rate to avoid up-front costs may be worth it in the end.
• Sunday Radio Show - 5 Steps to Approval (April 28) (7 of 8) I discuss specific things we need and need to do in this complicated market in order to approve a loan. It's not as easy as it used to be.
• Sunday Radio Show - Pre-Approval Faux Pas (April 28) (8 of 8) Don't get an unskilled, premature pre-approval to possibly regret it later. Listen in to see why it's so important to work with professionals like Accunet.
• Chief Forecasting Officer (April 22) We're forecasting a rise in rates by the end of the year but that still leaves time for you to refinance now. Don't wait and be late!
• Sunday Radio Show - A New Government Gift (April 21) (1 of 10) The new government Mortgage Credit Certificate is all the rave right now. See if you're eligible!
• Sunday Radio Show - Matt in Germantown (April 21) (2 of 10) Matt wants to know if the MCC Program applies to new construction homes.
• Sunday Radio Show - Bob in Greenfield (April 21) (3 of 10) Bob's daughter currently has a WHEDA loan, which she purchased as a first-time homebuyer. They want to know if she can refinance with another WHEDA loan.
• Sunday Radio Show - Properties Under Water (April 21) (4 of 10) If you're property is under water (you owe more than it's worth) the government HARP program may be able to help. Find out how!
• Sunday Radio Show - First Time Home-Buyer Expectations (April 21) (5 of 10) A lot of prospective home-buyers are thinking they'll buy a "starter" home and then buy their real home down the road. I explain why that may not be a plausible idea anymore.
• Sunday Radio Show - Rate Round-Up (April 21) (6 of 10) With every negative, there's a positive. The Consumer Price Index went down which means rates are great!
• Sunday Radio Show - Theresa's Question (April 21) (7 of 10) Theresa is wondering just how accurate their property tax bill assessment is and I explain how more and more transactions don't need appraisals. See if you could be one of them.
• Sunday Radio Show - Richard in Oconomowoc (April 21) (8 of 10) Richard wants to know if he and and his wife, a couple in their 60's, can qualify for the MCC Program. And, what's more, he's a veteran - see how that's a bonus!
• Sunday Radio Show - Loan Officer Compensation (April 21) (9 of 10) When Accunet says we're a Fair Housing Lender, we mean it! See how the industry regulates how loan officers get paid and how WE give fair quotes every time.
• Sunday Radio Show - Purchasing Comfort Zone (April 21) (10 of 10) I advised a new homebuyer couple to buy at the top of their budget. Hear my explanation for why it's a good idea to stretch yourself in this purchasing market.
• Chief Explanation Officer Revised (April 15) Why are rates still low now and where can we expect them to go?
• Chief Reminder Officer (April 15) Let me remind you why mortgage rates are abnormally low.
• Sunday Radio Show - Government Incentives (April 14) (1 of 7) The government is aiming to encourage people to become homeowners. These new programs may help you!
• Sunday Radio Show - Pat from Muskego (April 14) (2 of 7) Pat asks if additionally paying down his loan each month is really the best use of his funds.
• Sunday Radio Show - Todd from Port Washington (April 14) (3 of 7) Todd, as I'm sure many of our listeners, ask what really makes "all the right stuff" to get Accunet's best rates. Tune in for a break-down of the factors that matter!
• Sunday Radio Show - Rate Round-Up (April 14) (4 of 7) I go over this week's rate trend and re-iterate the "all the right stuff" components to keep in mind when getting our quotes.
• Sunday Radio Show - Fannie and Freddie Prevail (April 14) (5 of 7) These Federal Government programs are the only reason we have 30 year fixed rate loan options available now. Hear my advice on how much home you should look to buy in the state of our economy now.
• Sunday Radio Show - New MCC Program (April 14) (6 of 7) We are still stressing how great this new Mortgage Credit Certificate program is for first time home-buyers. Accunet is 1 of only 11 mortgage bankers in WI who offer it so far!
• Sunday Radio Show - Common Buyer Mistakes (April 14) (7 of 7) Don't make these mistakes when putting an offer down on a house. We want you to work with you lender ahead of time to avoid that "uh-oh" moment.
• Sunday Radio Show - Unemployment Rates Revealed (April 7) (1 of 9) The Federal Reserve Bank ties its policies to the unemployment rate. I talk about why that may not be the best idea and how other markets are catching on to this faux pas.
• Sunday Radio Show - Buyers Beware (April 7) (2 of 9) Accunet can help with real estate advice as well! Make sure you are a knowledgeable buyer walking into open houses.
• Sunday Radio Show - Employability and Jobs (April 7) (3 of 9) The labor force is a hot topic. See how much education can affect your hireability and how that ties into being qualified to get a loan.
• Sunday Radio Show - Student Loans Galore (April 7) (4 of 9) Student debt affects your home purchasing power. See how soon after school's out you can qualify to buy a home, students!
• Sunday Radio Show - Rate Round-Up (April 7) (5 of 9) We know the jobs report lowered rates significantly this week. See how, in today's environment, there are still so many people not taking advantage of the great rates.
• Sunday Radio Show - Ron from Sheboygan (April 7) (6 of 9) Ron asks about FHA loans. Can he lower his rate without paying closing costs?
• Sunday Radio Show - Pam from Illinois (April 7) (7 of 9) Pam wants to know if it would be worth it for her and her husband to refinance from a 15 year to a 10 year.
• Sunday Radio Show - Home Sales Shine (April 7) (8 of 9) Single family home sales are up and continue to shine. See where list prices are at today!
• Sunday Radio Show - Mark from Whitefish Bay (April 7) (9 of 9) Mark has a VA ARM loan and needs to refinance soon. What should he do?
• Chief Explanation Officer (April 5) I explain why the unemployment rates aren't really what they seem and how that affects rates this week.
• Sunday Radio Show - Millennials Emerge (March 31) (1 of 8) There are over 90 million people in the Millennial population in the United States. What do they want as they look to become new homebuyers?
• Sunday Radio Show - Introducing New Program (March 31) (2 of 8) There is a NEW Tax Credit Program for first-time homebuyers using the WHEDA Program in Wisconsin. I want to introduce the benefits to all who may qualify since it comes out April 1 of this year.
• Sunday Radio Show - Mortgage Credit Certificate Program (March 31) (3 of 8) What would you say if I told you there was a new program that supercharges deductible interest on your loan, for the life of your loan? See how much money you can save as a new homeowner.
• Sunday Radio Show - What WHEDA Offers (March 31) (4 of 8) WHEDA loans have been around for awhile to help first-time homebuyers. Listen in as I give a real example of how it benefits those who qualify.
• Sunday Radio Show - Rate Round-Up (March 31) (5 of 8) We've had low rates since the Cyprus collapse. See what Accunet can offer you today on a $200,000 loan. I also go into more depth the how we can offer the some of the lowest closing costs with no hidden fees.
• Sunday Radio Show - Unemployment Down? (March 31) (6 of 8) Is unemployment down or is the amount of people trying to work down? The answer is YES, both are down. See why low participation in employment can lead to skewed results in the employment numbers.
• Sunday Radio Show - Secret Shopping (March 31) (7 of 8) Though I don't spend most Easters online shopping, I couldn't resist Secret Shopping one of our recently emerging competitors. See why our no social security number mortgage checkup is much superior to their cryptic quoting process.
• Sunday Radio Show - Government Backed Loans (March 31) (8 of 8) Some people are really pulling to get Fannie Mae and Freddie Mac out of the mortgage loan business. See how much of an impact that really would have and what advice I give to new homeowners coming into these economic times.
• Chief Window Officer (March 25) Here's a little window of opportunity for you - we'll be enjoying low rates until the next jobs report (April 5th). Any homeowner with a rate about 4% could benefit from refinancing now. See if it could be you!
• Sunday Radio Show - Brian From Appleton (March 24) (1 of 9) Brian has a question about the HARP vs. FHA programs. Learn the difference and benefit of each.
• Sunday Radio Show - Cyprus Crisis (March 24) (2 of 9) The world's getting a little scared that we might see Greece Round 2 with Cyprus. See how just the possibility of them defaulting affect our mortgage rates right now.
• Sunday Radio Show -Cousin Paul Talks Deductability (March 24) (3 of 9) Cousin Paul from Acc-U-Rite Tax Services explains how itemized deductabilities are back into play. Get a professional to do your taxes to make sure they're done right this year!
• Sunday Radio Show - Deductability of Multiple Homes (March 24) (4 of 9) Can you deduct taxes on your Florida home? Listen in as Cousin Paul explains to what extent you can deduct on multiple homes.
• Sunday Radio Show - Home Equity Interest Vs. Home Acquisition Debt (March 24) (5 of 9) Cousin Paul sends caution to homeowners that refinance to pay off other debts. See how drawing out equity to pay off a credit card could become Home Equity Debt.
• Sunday Radio Show - Rate Round-Up (March 24) (6 of 9) We've got an improvement in rates this week thanks to our European friends in Cyprus. Get 'em while they're hot!
• Sunday Radio Show - Bud in Fond du Lac (March 24) (7 of 9) Bud has a question on purchasing a home via his LLC. We discuss the importance of getting the correct loan when buying as a company vs. an individual for personal use.
• Sunday Radio Show - Sales and Foreclosures Up (March 24) (8 of 9) The National Association of Realtors has released numbers that show home sales are rising and have almost gotten to where we were at in 2009. But don't be fooled, foreclosures are still just as prevalent as ever.
• Sunday Radio Show - Home Prices Today (March 24) (9 of 9) The Federal House Finance Agency released more accurate numbers on home prices right now. See how it applies to the Metropolitan Milwaukee Area and if you can benefit.
• Chief Surprise Officer (March 19) For those of you who forgot about tiny little Cyprus, you'll remember them now. Mortgage rates get pushed around by unpredictable events all around the globe. Don't wait for another event to set rates awry. See why Cyprus is pushing you to click on the Blue Button today!
• Sunday Radio Show - February Home Sales (March 17) (1 of 8) Sales are up 14% from this time last year. People are getting back into the purchase business - don't miss out.
• Sunday Radio Show - Quality Goes Quickly (March 17) (2 of 8) We're really seeing that there are a lack of quality houses on the market. Listen to my advice for if you find a house you like as competition rises between offers.
• Sunday Radio Show - Smokin' Condo Market (March 17) (3 of 8) See why the small condo market is increasing rapidly. Condo sales are up 27%!
• Sunday Radio Show - Appraisal Amendment Woes (March 17) (4 of 8) In the offer to purchase for home we now have a new appraisal contingency. Listen to my advice on how to aid the deal in going through even if your appraisal comes in low.
• Sunday Radio Show - Rate Round-Up (March 17) (5 of 8) Rates are getting better as the week goes on. Remember that rates are still great but don't forget to ask about the hidden fees when listening to other ads on the radio!
• Sunday Radio Show - Factors Pushing Rates (March 17) (6 of 8) The economy here and abroad really affects where the rates are and where they're heading. Listen in as I explain some of the key factors that play into the bouncing rates.
• Sunday Radio Show - Retired Folks Can Refi Too! (March 17) (7 of 8) We've found many retirees are having a difficult time refinancing because of a lack of monthly income. See how we helped someone refinance even though she was retired and bringing in a minimal amount monthly.
• Sunday Radio Show - Unappraisable Homes (March 17) (8 of 8) Low appraisals are really killing a lot of good deals right now. Listen in as I talk about how important comparable homes really are in both purchases and refinances.
• To Do List (March 8) On March 8th the labor department released the jobs report and unemployment rate for February. Both numbers were a lot better than expected, which means bad news for mortgage rates. Here’s the deal: if your current rate or someone you know has a rate higher than 3.9, it’s time to re-prioritize your to-do list
• Chief Job Officer (March 5) If there’s one economic report that can really swing mortgage rates one way or the other, it’s the monthly unemployment and jobs report on Friday. I'm here to remind you that the Federal Reserve have promised to keep interest rates low until the job market improves substantially.
• Chief Choice Officer (March 5) Why choose Accunet for your home loan? 1. We're totally focused on mortgage lending. I’ve personally hired and trained each of the nine Loan Consultants that you’ll work with to evaluate your loan choices. 2. Price. How do we pull that off? Well the annual Business Journal survey of mortgage lenders makes it clear – we’re simply twice as efficient as any other major lender in Wisconsin.
• Buona Fortuna (February 26) This Brian Wickert, Chief Luck Officer here to report that the recent national election in Italy has cast serious doubt on whether Europe’s third largest economy will follow through on government spending cuts and higher taxes. That in turn makes US government guaranteed bonds like mortgages look like the least dirty shirt in the laundry pile of sovereign debt.
• Chief Opportunity Officer (February 18) The window of ultra low mortgage rate opportunity will not remain open forever. Recent speeches by Federal Reserve officials hinted at the possibility of reducing support for mortgage rates as early as this summer.
• Chief Home Buying Officer (February 18) Whether you’re buying your first home or your tenth home, you have to start with a thorough pre-approval. The time to iron out any unexpected wrinkles is before your write that offer, not after. At Accunet, we not only check your credit, we also verify your income and down payment so that both you and the seller know up front that you’re a well-qualified buyer.
• Chief Rate Watcher (February 11) It seems like even relatively obscure, minor economic news items are increasing mortgage rate volatility. One of the best pieces of business advice I ever got was this – “when faced with a sure thing – take it.” The same thing applies to mortgage rates.
• Chief Jumbo Officer (February 6) Even if you already have a jumbo rate that starts with a “2”, why not get a few more years of rate protection while you can? Someday, rates will go up, and you’ll be really glad you did. Get started locking in your hot money Jumbo ARM rate!
• Chief Luck Officer (February 6) I'm here to report that mortgage rates are back down a bit from their recent high water marks! So as usual, the question for home buyers and homeowners is whether to lock in their savings now or wait.
• Chief Trend Officer (January 28) A couple of good economic reports have put the trend on mortgage rates solidly in the upward direction. What to do? Wait to see if the trend reverses or take what the market’s offering before the trend gets out of hand. Make sure you're not leaving meaningful savings on the table and click on the blue button!
• Chief Deadline Officer (January 15) You've already heard that Uncle Sam is going to run out of money by mid February unless Congress votes to increase the debt ceiling. How does the future look? It's a toss up! Give yourself a deadline and lock in with Accunet to get your savings before the next DC deadline decision affects rates!
• Chief Resolution Officer (January 3) Well Congress finally resolved to pull us back up to the top of the fiscal cliff at least for another two months. What fiscal resolutions do you have for the new year? I’d like to propose you take a look at your mortgage!
• Chief Shopping Officer (December 12) I’ll bet a lot more people would prefer a personal shopper if it wasn’t too expensive. Why not let Accunet Mortgage be your personal mortgage shopper this season!
• Sunday Radio Show - Multiple Listing Service (MLS) (December 9) Metropolitan Milwaukee Area November Single Family Dwelling Sales are up! Consumer confidence is good despite the economy’s current state (1 of 8).
• Sunday Radio Show - November Condo Sales (December 9) Condo sales are up. 42% of condo sales were for cash in November (2 of 8).
• Sunday Radio Show - Common Mistakes with Purchase (December 9) We'll have to do better as an industry of lenders to instill the importance of not making these common mistakes (3 of 8).
• Sunday Radio Show - Rate Round Up (December 9) With 25% equity, 740 credit score, 200k loan amount, no cash out, no 2nd mortgage, Accunet can offer a 3.375 Rate with $1135 in closing costs which is half of the national average closing cost at $2300 (4 of 8).
• Sunday Radio Show - Fiscal Cliff (December 9) With the fiscal cliff looming, the media debates on the actions of the government (5 of 8).
• Sunday Radio Show - 30 Year Refinance Caller (December 9) Sara from Hartland has a question about refinancing with a recent pay cut.(6 of 8).
• Sunday Radio Show - Refinance Eligibility (Caller) (December 9) Al from Fond du Lac has a question about his current cash out refinance options (7 of 8).
• Sunday Radio Show - Operation Twist (December 9) The Federal reserve is purchasing mortgages to push down rates (8 of 8).
• Chief Contrast Officer (December 4) This is Brian Wickert, Chief Contrast Officer here to once again point out why you’re better off with locally owned Accunet instead of your bank: closing costs and time to close.
• Accunet Mortgage Minute - Lines (December 4) Anybody that's been out shopping knows what the lines are like at the shopping malls. What are things like in the mortgage marketplace? Long lines. Locally owned and operated Accunet Mortgage can get your loan closed in half the time as the big banks or less.
• Chief Holiday Officer (November 27) I know a lot of people feel especially starved for time this time of year. So here’s my idea.How’s about saving some real money by clicking’ on the blue button at Accunet dot com. It takes less than two minutes to complete the no social security number required mortgage check up. And then it only takes about 20 minutes the next day to have a phone conversation, lock in your rate and take your application, all by phone. No appointment.
• Sunday Radio Show - Appraisal Secrets (November 25) (1 - 6) Understand how appraisals work and what to expect - comparable homes, adjustments, and appraisal bracketing.
• Sunday Radio Show - The Dreaded Fiscal Cliff (November 25) (2-6)The Federal Government is spending 47% more than they bring in yearly. See how this is affecting your ability to buy and sell your home.
• Sunday Radio Show - Appraisals Effect on Home Sales (November 25) (3-6) As a home owner and home seller see what vital information you need to know about the 2012 appraisal industry.
• Sunday Radio Show - Rate Round-Up (November 25) (4-6) Isn't it always better to get the lowest possible rate?! Maybe not...see what Accunexperts suggest to be the most savings for you in this volatile market.
• Sunday Radio Show - Negotiating Negotiations (November 25) (5-6)Who wouldn't give anything to make the buying and selling process smoother? Tune in to see what I suggest as an innovative strategy for real estate agents today.
• Sunday Radio Show - FHA Bail Out (November 25) (6-6) The Federal Housing Administration gets bailed out each year when they overspend on foreclosures. See what this means for us as 2012 comes to an end.
• Accunet Mortgage Morning Minute - Fiscal France (November 20) Well France’s government bond rating just got downgraded. That’s a stark reminder that the same thing could happen to the United States again if we don’t get our fiscal cliff issues in order. But there is a glimmer of hope in Washington that maybe the parties, the democrats and the republicans can come up with a compromise. Bottom line is that mortgage rates here in the US are still nothing short of great!
• Accunet Mortgage Morning Minute - Home Sales (November 13) Single family home sales in the five county Milwaukee Metro Area for the month of October were up 25% from a year ago. Condominium sales were up 45% from 2011.
• Sunday Radio Show - An Influential Election (November 11) (1-8) Listen while we quell your fears on rate forecasts and why you needn't worry about the elections effect on mortgage rates.
• Sunday Radio Show - Financing on Listed Homes (Caller) (November 11) (2-8) David in Waukesha asks if it is possible to get financing on a home that is currently listed for sale.
• Sunday Radio Show - Foreclosure Funk (Caller) (November 11) (3-8) Tim in Milwaukee wants to refinance on his home even though one of his rental properties was recently foreclosed. Listen to our advice on what Tim's financing options are.
• Sunday Radio Show - Seller Marketing Ideas (Caller) (November 11) (4-8) Tom in Milwaukee wants to urge prospective buyers to buy his house before we fall off the Fiscal Cliff. See if it's a good idea or not.
• Sunday Radio Show - Rate Round-Up (November 11) (5-8) Hear why rates this week are still showing record lows since the election outcome and why the Wall Street Journal features Accunet as one of the top Mortgage Companies.
• Sunday Radio Show - Newly Employed Refinancers (Caller) (November 11) (6-8) Phil in Waukesha asks how much job history a borrower would need to get financing for a loan after being unemployed for a year. There's still hope!
• Sunday Radio Show - Credit Score Confusion (Caller) (November 11) (7-8) Thought FICO credit scores only went up to 850? Well Jim in Pewaukee is confused at his ungodly high credit score of 900+.
• Sunday Radio Show - 2012 Home Sale Stats (November 11) (8-8) Looks like we're selling more homes this year, but wait until you hear the fine print before you go putting your house on the market. Statistics can be misleading.
• Chief Post Election Officer (November 7) Mortgage rates are down a bit because the market interprets the election as delivering more of the same - continued sluggish job and economic growth and more Washington gridlock. Post election, Accunet Mortgage can now deliver a 3.39 APR with just 855 dollars of closing costs on a 200 thousand dollar loan with 25 percent equity and all the other right stuff. The 20 year tweener is down to a 3.27 APR and the 15 year fixed is at 2.79 APR.
• Zig Zag 2 (September 26) As you already know, the Federal Reserve is taking steps to drive down mortgage rates even more. We’ve been calling that the zig, and at the moment it’s working. But what neither you nor I can predict is how long this zig will last. Pushing in the zag or upward rate direction is U.S. consumer confidence which just came in again, far better than expectation. And it won’t be too many weeks or months before the other 800 pound gorilla in Washington DC, Fannie Mae and Freddie Mac’s regulator, decides to act again on their already announced plan to push rates up so Fannie and Freddie’s share of the mortgage market shrinks.
• Sunday Radio Show - Lifetime Lows (September 23) (1 of 10) Global Central Bank, Bank of Japan, and European Central Bank are adding monetary stimulus to reduce joblessness.
• Sunday Radio Show - Bundling Refinance (Caller) (September 23) (2 of 10) Mary in Michigan has a question about consolidating her debt and rolling into her mortgage
• Sunday Radio Show - Trapped In (Caller) (September 23) (3 of 10) Bob in Milwaukee has a question about selling his house and purchasing a smaller one in his current situation.
• Sunday Radio Show - Non-Owner Occupied Loan (Caller) (September 23) (4 of 10) Steve in Racine has a question about a non-owner occupied loan rates.
• Sunday Radio Show - Home Appraisal Rebuttal (Caller) (September 23) (5 of 10) Chris in Sheboygan has a question about her home appraisal that cost her home value.
• Sunday Radio Show - The Rate Roundup (September 23) (6 of 10) The weekly Freddie survey rates are down and so are Accunet's. Almost 3 points below where we were 6 years ago for rates.
• Sunday Radio Show - Guarantee Fees (G-Fees) (September 23) (7 of 10) Mortgage guarantee fees now will vary by state, increasing where it costs more or takes longer to close on a home.
• Sunday Radio Show -Paying off Revolving Debt (Caller) (September 23) (8 of 10) John in West Allis has a question about consolidating his credit card debt with his self-employment.
• Sunday Radio Show - Short-sales and Foreclosures (September 23) (9 of 10) A Milwaukee Journal Sentinel article lays out five steps to purchasing a short-sale or foreclosed property.
• Sunday Radio Show - Curious Refinance (Caller) (September 23) (10 of 10) Matt in Oshkosh has a question about his current refinance and his rate.
• Voodoo (September 18) Accunet Mortgage Minute: The Fed is trying to push down mortgage rates, but Fannie Mae and Freddie Mac's regulator is trying increase rates!
• The Chief Comparison Officer (September 18) The big national lenders are disguising their low rates with large closing costs! Local low-overhead Accunet can save you on those closing costs and low rates.
• Zig Zag (September 17) A dip in rates from the Federal Reserve is being countered by the news that Fannie Mae and Freddie Mac's regulator is trying to get them out of government hands. What's a homeowner to do?
• Sunday Radio Show - Quantitative Easing 3 (September 16) (1 of 7) The federal reserve open market committee announced that it will create an extra 40 billion dollars each month to buy mortgage backed securities.
• Sunday Radio Show - HARP 3.0 (September 16) (2 of 7) Home Affordable Refinance Program is made for people's loans who are backed by Freddie or Fannie prior to April 2009 (for one time only). The HARP 3.0 suggestion would take care of appraisal fees and ease the required amount of income documentation.
• Sunday Radio Show - The Rate Roundup (September 16) (3 of 7) There was multiple repricing this week from Thursday to Friday and there will be continued volatility.
• Sunday Radio Show - August Home and Condo Sales (September 16) (4 of 7) Home sales went up and condo sales are still signaling a buyer's market.
• Sunday Radio Show - Baby Refinance (September 16) (5 of 7) A heartwarming refinance story from Friday.
• Sunday Radio Show - Las Vegas Property Investment (Caller) (September 16) (6 of 7) A caller has a question about a down-payment for a non-occupied single family dwelling in Las Vegas.
• Sunday Radio Show - FHA Mortgage Underwater (Caller) (September 16) (7 of 7) A caller has questions about lowering his monthly payments. I recommend contacting your service provider and using them to your advantage as they are more likely to help you out.
• The Dog Track (September 12) Interest rates have gone up about one eighth of a percent on 30 year fixed-rates due to government regulations concerning Freddie Mac and Fannie Mae, but it's not too late to save!
• Sunday Radio Show - Current Rate Influences (September 9) (1 of 10) The current influences on the mortgage rates and where we're going.
• Sunday Radio Show - Recent Bankruptcy (Caller) (September 9) (2 of 10) A caller has questions about his recent bankruptcy and his refinance options.
• Sunday Radio Show - August Sales Comparisons (September 9) (3 of 10) August sales are slightly down from last year, but still in the same average area.
• Sunday Radio Show - Reverse Mortgages (Caller) (September 9) (4 of 10) A caller has questions about reverse mortgages and I tell you the negatives and positives.;
• Sunday Radio Show - The Rate Roundup (September 9) (5 of 10) Mortgage rates are still good despite all the government meddling.
• Sunday Radio Show - Refinance with HARP (Caller) (September 9) (6 of 10) A customer wants comparable rates to his "Save our home" program, also known as HARP.
• Sunday Radio Show - Erroneous Credit Scores (Caller) (September 9) (7 of 10) A caller has mistakes on account of her energy provider and how it affected her credit score.
• Sunday Radio Show - Refinance 7 year ARM (Caller) (September 9) (8 of 10) A caller wants to know about ARMs and paying off those terms quicker.
• Sunday Radio Show - Devil in the Details Preapproval (September 9) (9 of 10) Pre-approvals are essential for qualifying for a purchase and ensure possible deals for both parties.
• Sunday Radio Show - Quantitative Easing (Caller) (September 9) (10 of 10) What does the future hold for means of quantitative easing?
• Rate Forecaster (September 4) Today, I can say with 100% certainty that rates on 20 and 30 year loans guaranteed by Fannie Mae and Freddie Mac are increasing an 1/8th of a percent in a matter of days. That’s because Fannie and Freddie’s regulator is forcing them to increase the annual fee they charge to guarantee loans. Ironically, their rate increase announcement came on the exact same day Federal Reserve chairman Ben Bernake was talking about possibly pushing mortgage rates down. The bottomline? the rate increase is 100% certain, tbut he future rate decrease remains to be seen.
• Sunday Radio Show - Fed Chief Bernacke (September 2) (1 of 8) Interest rates are creeping down due to Friday's commentary by Ben Bernacke.
• Sunday Radio Show- Lower Rates and Employment Data (September 2) (2 of 8) The rates are probably going to lower as cause of the employment data being released this Friday, concerning jobs and it's right before the next fed meeting.
• Sunday Radio Show - Case-Shiller Index (September 2) (3 of 8) Interest rates have never been lower and so have home prices.
• Sunday Radio Show - Resort to Condos (Caller) (September 2) (4 of 8) A caller has questions about converting a resort to condos with financing.
• Sunday Radio Show - The Rate Roundup (September 2) (5 of 8) The low rates are broken down in our rate roundup. Tune in!
• Sunday Radio Show - Low Credit Scores (Caller) (September 2) (6 of 8) A caller has a question about his mother's property for his son, his credit score and refinancing with Accunet.
• Sunday Radio Show - Jumbo Mortgage (Caller) (September 2) (7 of 8) A caller has a question about refinancing his jumbo mortgage.
• Sunday Radio Show - Pre-approvals (September 2) (8 of 8) Bring in your pre-approvals with all the right stuff and we'll get the ball moving on getting you in your home!
• The Tweener Loan (August 27) A lot of homeowners these days would like to switch to a 15 year fixed but are surprised to find out how big the payments are. On a 200 thousand dollar loan, the payment on a 15 year at 2.96 APR is 450 dollars per month higher than the 30 year payment. But I bet you didn’t know Accunet has something in between, a 20 year fixed rate at a 3.375 rate with no points and an APR of 3 point 41.
• Back to School Rates (August 27) August rates are back down as the kids head back into school. Stop in at your neighborhood friendly Accunet to lock-in today!
• The Rate Turnaround (August 27) It seems like for most of August, the interest rate markets forgot how bad things still are in Europe, and then we had a dribble of halfway decent US economic news which sent rates up about a quarter percent from their all time record lows in July. But for now anyway, rates have turned around because of the negative US economic outlook detailed in the minutes from the Federal Reserve’s most recent meeting. The takeaway here is that interest rates don’t go in the same direction forever, so why gamble?
• Sunday Radio Show - Cash for Homes (Caller) (August 27) (1 of 8) Have you seen the advertisements for run-down homes for cash? We give you the low down on these home buyers.
• Sunday Radio Show - Home Inspection (Caller) (August 27) (2 of 8) Home improvements and what you need to disclose.
• Sunday Radio Show - Home Buying Dos and Don'ts (August 27) (3 of 8) The Dos and Don'ts concerning home buying. Keys to the process: patience and communication!
• Sunday Radio Show - Return of the Rates (August 27) (4 of 8) The rates have returned about halfway to their low lows.
• Sunday Radio Show - Seven Year Refinance (Caller) (August 27) (5 of 8) Mark has a question about a seven year refinance and his options with current rates.
• Sunday Radio Show - The Rate Round-Up (August 27) (6 of 8) The rates are back and it's time to lock-up!
• Sunday Radio Show - Weekly Update (August 27) (7 of 8) The update from last week's show with information on Greece, Germany, and our own rates!
• Sunday Radio Show - WHEDA Program (August 27) (8 of 8) All the information on the Wisconsin Housing and Economic Development Authority (WHEDA) Program for home purchases!
• Have Your Cake and Eat It Too! (August 20) If you’ve been watching mortgage rates, you know they’re up about a quarter percent from the all-time record lows in July. So if you didn’t pull the trigger then, do you wait for rates to come back down? Well the problem is that may not happen, but then again it might. So here’s Accunet’s solution – we’ve negotiated with one of our funding sources for 30 year and 15 year conforming fixed rate loans, to offer a free float down option, so that you can lock in your rate up front, but still get a lower rate if the market improves after your loan’s approved.
• Sunday Radio Show - Rates Up and the Bottom Line (August 19) (1 of 8) Rates have slightly risen, but the bottom line is to lock-in now and not have to worry about where the rates are going to go from here!
• Sunday Radio Show - Fannie and Freddie's Bailout History (August 19) (2 of 8) A brief history of Fannie and Freddie's bail out and why it was needed.
• Sunday Radio Show - Mortgage Backed Securities (August 19) (3 of 8) The lowest rates are in America and the reasoning behind the "security guarantee".
• Sunday Radio Show - The Rate Round-Up (August 19) (4 of 8) Increasing rates, their uncertainty, and the reasons for securing it locally.
• Sunday Radio Show - Refinance with Small Business (Caller) (August 19) (5 of 8) Self-employed individuals need to disclose their earnings even if they fluctuate. Using your Tax Returns are your best bet!
• Sunday Radio Show - Custom Refinance (Caller) (August 19) (6 of 8) Making custom terms 8-30 years are our specialty!
• Sunday Radio Show - Rate Predictions (August 19) (7 of 8) The rate will change again with the next job report and the presidential election, but why chance a low change in your monthly payments? Lock-in now with low overhead Accunet Mortgage!
• Sunday Radio Show - Customer Satisfaction (August 19) (8 of 8) A testimony of customer satisfaction at Accunet Mortgage!
• Bank Rate (August 15) Wisconsin has some of the highest closing costs in the country. That's not actually so! The rates are based on a national survey of large banks, not local guys like low overhead Accunet!
• Sunday Radio Show - Door County Home Values (August 12) (1 of 6) Listen live each and every Sunday at 10:00 AM on Radio 620 WTMJ!
• Sunday Radio Show - Fannie Mae and Freddie Mac (August 12) (2 of 6) Listen live each and every Sunday at 10:00 AM on Radio 620 WTMJ!
• Sunday Radio Show - Misleading Costs (August 12) (3 of 6) Listen live each and every Sunday at 10:00 AM on Radio 620 WTMJ!
• Sunday Radio Show - Principle Forgiveness (August 12) (4 of 6) Listen live each and every Sunday at 10:00 AM on Radio 620 WTMJ!
• Sunday Radio Show - The Rate Round-Up (August 12) (5 of 6) Listen live each and every Sunday at 10:00 AM on Radio 620 WTMJ!
• Sunday Radio Show - Low Rates and Appraisals (August 12) (6 of 6) Listen live each and every Sunday at 10:00 AM on Radio 620 WTMJ!
• Sunday Radio Show - Refinancing an Underwater Condo (August 5) (Part 1 of 6) Listen live each and every Sunday at 10:00 AM on radio 620 WTMJ!
• Sunday Radio Show - Refinancing with Custom Terms (August 5) (Part 2 of 6) Listen live each and every Sunday at 10:00 AM on radio 620 WTMJ!
• Sunday Radio Show - The Rate Round-Up (August 5) (Part 3 of 6) Listen live each and every Sunday at 10:00 AM on radio 620 WTMJ!
• Sunday Radio Show - This Upcoming Week (August 5) (Part 4 of 6) Listen live each and every Sunday at 10:00 AM on radio 620 WTMJ!
• Sunday Radio Show - Condominium Sales June and July (August 5) (Part 5 of 6) Listen live each and every Sunday at 10:00 AM on radio 620 WTMJ!
• Sunday Radio Show - Home Sales June and July (August 5) (Part 6 of 6) Listen live each and every Sunday at 10:00 AM on radio 620 WTMJ!
• Sunday Radio Show - Milwaukee's Little Markets (July 29) Listen live each and every Sunday at 10:00 AM on radio 620 WTMJ!
• Two Questions (July 24) One, are rates low enough to refinance, and two, which lender should you use? The old 1% rate reduction rule of thumb is true if you have loan of a hundred thousand dollars or less. But if you have two hundred thousand dollar loan or more, it only takes a half percent reduction in rate to win big. As for which lender to use, Accunet Mortgage has a proven track record of closing costs that are about two thousand dollars less than the national average for the same rate.
• Sunday Radio Show - Top 5 Reasons to Not Refinance (July 15) Listen Live each and every Sunday at 10:00 AM on radio 620 WTMJ.
• Sunday Radio Show - June Home Sales Hit Markets (July 11) Listen Live each and every Sunday at 10:00 AM CST on Radio 620 WTMJ.
• Mortgage Market Update - Lower Rates, Higher Closing Costs (July 11) Rates stayed low this week maintaining all time lows.
• Mortgage Market Update - Rates at Rock Bottom (July 4) Could rates have hit rock bottom? Freddie Mac's two most recent weekly reports for the 30 year fixed came in at exactly the same rate at 3.66% with 0.7 points. See what rate and fee combination Accunet can offer you by clicking here.
• Sunday Radio Show - Top 3 Housing Markets in the United States (July 1) Listen Live each and every Sunday at 10:00 AM CST on Radio 620 WTMJ.
• Mortgage Market Update - New Record Low, Barely (June 26) The 30 year fixed rate hit another record low according to Freddie Mac's Weekly Rate Survey. Lock in a great rate today at Accunet Mortgage, just click on the Blue Button.
• Sunday Radio Show - May Home Sales Increase 10% (June 24) Listen Live every Sunday at 10:00 AM CST.
• Mortgage Market Update - Housing Pulse (June 18) Home sales are up throughout Wisconsin, but are home prices up? Find out by listening today.
• World Record Low Rates (June 13) Mortgage rates set another world record low. However, rates do not go one way forever so click on the blue button and get a no social security required mortgage checkup.
• Accunet Beats Big Banks (June 6) Reason number one, closing costs. Accunet’s closing costs are routinely a thousand dollars less than the big banks. Reason number two, we have more than one bank where we can place your loan. If bank number one doesn’t like your appraisal, we can go to bank number two or even three. You only have one kick at the can if you go with your current lender. Reason number three, time. Big banks are taking upwards of 70 days to close loans if you can get them to take your call. With Accunet, we can take care of you loan online and over the phone, and even send the loan closer to your home or office, all in about half the time.
• Mortgage Market Update - Road to Lower Rates (June 6) On a $200,000 30 year fixed rate with 25% equity and all the other right stuff Accunet Mortgage can offer a 3.75% rate with 0 points and an APR of 3.77%.
• Mortgage Market Update - Record Low Rates (May 22) Accunet Mortgage can offer a 30 year fixed at 3.625% with an APR of 3.73% on a 200,000 loan and all the other right stuff. Click on the blue button to receive your mortgage checkup.
• Budget Repair Refinancing (May 22) Rates are truly at record lows. Don't gamble on rates going lower; lock in an already record low rate today.
• Sunday Radio Show - Fresh Record Low Rates (May 20) As rates inch lower, a new record low rate has been achieved. Freddie Mac published the average rate for a 30 year fixed was 3.79% with 0.7 points, which is a new record. Listen today for more details, and to find out how Accunet Mortgage beats the competition.
• Chief Capacity Officer (May 16) The renewed threat of Greece leaving the Eurozone has mortgage rates headed for fresh record lows. But rates won’t keep dropping forever. In fact, as more homeowners and buyers queue up to lock in today’s genuine record low rates, there’s an ever greater chance rates will get stuck or go up simply because of lender capacity. See what Accunet can do for you, and click on the blue button for a personalized mortgage checkup.
• Sunday Radio Show - Navigating a Swamped Mortgage Market (May 13) With rates this low, Banks are having trouble keeping up with the business. Find out how to best navigate this swamped mortgage market by listening today.
• Rates are Low, Don't Procrastinate (May 3) Rates are at or near all time lows. Click on that blue button today and get on the road to refinancing.
• Rates in the 2's (May 3) A 15 year fixed, 10 year fixed, 5 year arm, and a 7 year arm. What do they all have in common? Rates in the 2's. These crazy low rates can change any second and are for loans of 200 to 417 thousand dollars with at least 25% equity and all the other right stuff. So click on the Blue Button before rates change.
• Mortgage Market Update - 3.9% 30 year Fixed (April 25) On a 200,000 loan with 25% equity, and "all the other right stuff," Accunet can offer a 30 year fixed rate at 3.90% APR.
• Sunday Radio Show - What happens to your home in a divorce? (April 23) Skip to 11:00 to find out what happens to your home and mortgage in a divorce situation.
• Zero Closing Costs Refinance (April 9) Gas prices going up and mortgage rates are going down. Find out how Accunet can fill your gas tank with a Zero cost refinance.
• Mortgage Market Update - Unexpected Drop in Rates (April 9) Economists expected the US economy to create 200,000 jobs in the month of March; however the US only created 120,000 jobs. This unexpectedly bad jobs report sent mortgage rates into a free fall on Friday April 6th. Click on the blue button to receive a detailed rate and fee analysis from one of Accunet's nationally licensed Loan Consultants.
• Mortgage Market Update - 2.99% is Back (April 3) We found a bank that’s putting 15 year fixed loans into their portfolio, and they’re holding the rate below market at 2.99% if you have 20% equity and all the other right stuff. Click on the Blue Button to get expert advice on this terrific rate while it still lasts.
• Friday's Jobs Report and Why it Matters to You (April 3) On Friday, the unemployment rate and the number of new jobs created will be released by the Federal Government. If either of these numbers beat expectations, that will be bad for mortgage rates. Don't risk it, and click on the Blue Button today.
• Sunday Radio Show - The Most Critical Error when Purchasing a House (April 1) Listen at 24:15 to find out the most critical error one can make when purchasing a house.
• Debt Free in a Decade (March 29) Pay off your mortgage in 10 years, and save on interest by switching to Accunet's 10 year fixed loan.
• Mortgage Market Update - Great Rates on Fumes (March 28) When faced with the opportunity to save $1,000 a year on your mortgage, you can't drive away from that. Click on the blue button before the tank of great rates runs Empty.
• Sunday Radio Show - Truth in Lending (March 25) Get the truth at Accunet mortgage. We'll lay out your options upfront and let you decide how to proceed. Click on the blue button today to get started.
• Sunday Radio Show - Think Twice before Disputing Items on Your Credit (March 22) Disputing items on your credit report can really throw a wrench into your ability to refinance or purchase a home. Hear the unforeseen pitfalls of disputing items on your credit report.
• Chief Navigation Officer (March 15) When a ship goes through the Panama Canal, no matter how smart the captain is, a specially trained captain boards the ship to navigate it through the canal. Mortgage lending has become like the Panama Canal. You really need a specially trained navigator, like the nationally licensed Accunet Loan consultant to guide you. Click on the blue button and get our expert advice.
• Chief Anti-Procrastination Officer (March 15) The Federal Reserve said the economy is getting better and bam, just like that, rates jumped a quarter percent. Rates are still great, in fact, they're still about three quarters of a percent lower than this time last year. Click on the blue button before rates go any higher.
• Chief Opportunity Officer (March 13) There are certain financial opportunity that can make a big difference in your life. The 15 year fixed rate at 2.875% is another one of those high-impact, game-changing financial opportunities. Click on the blue button today and see how much you'll save.
• Mortgage Market Update - 233,000 New Jobs (March 13) Last week we received good news on the job market. This good news is pushing up the closing costs on mortgages. Despite this, Accunet can still deliver a terrific rate and closing cost combination. Click on the blue button for your customized mortgage checkup.
• Sunday Radio Show - Tax Time (March 11) Get your real estate tax questions answered in this week's radio show. Ranging from alternative minimum tax to acquisition debt deductions, it is all covered.
• Save-a-Licious (March 8) Pay off your mortgage faster with this save-a-licious rate.
• Sunday Radio Show - Buying your first property (March 7) Buying your first home can be overwhelming. Listen today for a step-by-step breakdown on purchasing your first house.
• A Magical Rate - 15 Year Fixed at 2.875% (March 6) Right now Accunet Mortgage, located in low overhead Butler, Wisconsin, can offer 2.875% on a 15 year fixed and the APR is just 3.12. These rates can change at any moment, click on the blue button today.
• Mortgage Market Update - Housing Prices at 2003 levels (February 28) Housing prices moved lower in December by four percent according to the latest Case-Shiller index. This brought home values to their lowest levels since 2003.
• Sunday Radio Show - 3 Threats to Mortgage Rates (February 26) Get the top 3 threats to low mortgage rates by listening today.
• Mortgage Market Update - Dodged a Bullet (February 21) We dodged one bullet when it comes to rates, but there are a few more shells in the chamber. It is not too late but I would not wait, click on the blue button today.
• Sunday Radio Show - Could America become Greece? (February 19) Greece spent millions more than they collected in taxes and financed the difference. Listen today to hear how much The United States Government financed in 2011.
• Chief Competition Officer (February 15) What's more amazing, a document checklist or saving you $2,000 on your closing costs? Listen today to find out how Accunet will amaze you.
• Sunday Radio Show - $26 billion settlement (February 12) Listen today and find out if you may qualify to receive part of this settlement.
• Chief Efficiency Officer (February 7) The Milwaukee Business Journal Survey once again show that Accunet Mortgage is twice as efficient as any of the other Top 5 mortgage lenders. But why should you care? Well, Accunet’s efficiency means lower closing costs for you, it’s that simple. To get the same rate from one of our significantly less efficient national competitors you’d pay $6,000 more in closing costs than you would at Accunet.
• Mortgage Market Update - Upside Down (February 7) In the mortgage industry we live in an upside down backwards economic world where good economic news is bad for mortgage rates. This is the second time in a month where record low mortgage rates have been dashed by good economic news. Rates are still low, click on that blue button to get started on locking in your low rate.
• Sunday Radio Show - Home Prices still Falling (February 5) Home prices continued to fall throughout 2011. Get a detailed breakdown of the Milwaukee market, and get advice on beating the competition when you sell your home.
• Chief Watch Dog Officer (January 31) The watch dog is barking again. Congress increased the mortgage rates by an eighth of a percent to pay for a 2 month social security tax break. Both parties in Congress want desperately to extend the tax break till the end of the year. Will Congress raise rates again? Lock in a great low rate while you still can.
• Mortgage Market Update - Record Efficiency (January 31) Accunet Mortgage is ranked as the 3rd largest direct to consumer Mortgage Banker in the area. But that isn't the number we are most proud of. The most important number is that Accunet is twice as efficient as any of the other top 10 bankers. That means lower closing costs for you.
• Sunday Radio Show - 4 Huge Interest Rate Risks (January 29) 1) Congress 2) Improving Economy 3) Inflation 4) United State's Mounting Pile of Debt Listen now for an in depth explanation starting at 28:20.
• Mortgage Market Update - Record Low Mortgage Rates (January 25) Rates are incredibly low. If you have a rate in the high 4's you need to be clicking on the blue button and getting a free, no social security number required mortgage checkup.
• Sunday Radio Show - The biggest Impediment to Refinancing (January 24) With home values staying flat or declining, equity will continue to be the largest hurdle to refinancing. Listen now to find out what other factors stop borrowers from refinancing.
• Chief Honesty Officer (January 24) Here's some bad news. By the time you heard on January 19^th that mortgage rates hit an all-time record low, they had already jumped back up. That's because there is a two day delay between the survey data collection and the weekly announcement. The good news? Accunet can still offer you a slick rate by clicking on the blue button.
• Mortgage Market Update - Recommendation (January 17) 98.6% of our customers would recommend us to a friend, neighbor or coworker in 2011. Accuent Mortgage makes the process easy for our borrowers. And Accunet can offer the same rates as the big banks, but at closing costs that are typically $2,000 less.
• Sunday Radio Show - Mortgage Rates Headed up January 18th (January 16) Rates are going up in 2 days. Why? Congress and President Obama are raising the fees charged by Fannie Mae, Freddie Mac, and FHA to pay for the temporary Payroll tax cut. Click on the Blue Button and lock in a low rate before they go up.
• Mortgage Market Update - Congressional Rate Hike (January 10) Interest Rate hikes to be implemented on April 1st are actually being implemented this week leaving no time to dawdle. Lock in a great rate before the rates take a mandated jump.
• Sunday Radio Show - A Celebrated Rate Hike (January 8) On December 23rd, 2011 President Obama signed into law an extension of the payroll tax cut. President Obama touted Congress' success on the extension, but did not cover how Congress plans to pay for the extension. Listen today and get the real answer on how Congress plans to pay for the extension.
• Mortgage Market Update - Rate is the Bait (January 3) Don't get fooled by a low rate, it is usually coupled with high closing costs. Get all the answers by clicking on the Blue Button.
• Chief Watch Dog Officer (January 3) Congress went ahead and extended the payroll tax cut for the next two months. They decided to pay for it by increasing the fees Fannie Mae and Freddie Mac charge. Mortgage rates will increase on April 1st so stop procrastinating, and lock in a low rate before Congress steals your savings.
• Chief Memory Officer (December 20) This time of year brings back lots of memories. Last year at this time, the Grinch showed up and stole our low mortgage rates. It took over 9 months, and a global financial crisis for rates to get back to where they are today. Spend two minutes to fill out the blue button.
• Chief Gift Officer (December 13) When was the last time you received a Christmas present from Europe? Good news! Your present from across the pond has already arrived in the form of continued low mortgage rates. Take two minutes from your hectic shopping schedule to click on the Blue button for a no social security number mortgage check up. Get the gift that keeps on giving all year, every year, a lower rate mortgage from Accunet.
• Sunday Radio Show - Your Credit Score Demystified (December 11) What affects your credit score? Will a new credit card hurt or help a credit score? Get these answers and more by listening today.
• Chief Savings Officer (December 6) Give yourself the gift that keeps on giving all year, every year, a brand new low rate from Accunet Mortgage.
• Mortgage Market Update - Euro Zone Downgrade (December 6) Standard & Poor's put fifteen of the seventeen Euro Zone countries on notice that they may get their credit ratings downgraded. The move by S&P puts more pressure on the Euro Zone leaders to come up with a solution once and for all on December 9th. A Euro Zone fix probably means higher mortgage rates over here in the US.
• Sunday Radio Show - Euro Fix the Sixth (December 4) Euro Zone leaders convened this week to find a solution to their mounting pile of debt, and once again they've come up with a solution to the growing problem. I'll believe it when I see it put into action. This week Brian Wickert weighs in on how the news affected rates.
• Mortgage Market Update - Consumer Confidence Increases (November 29) The latest consumer confidence numbers are way up above expectations. This has the stock market up, which usually is not good for rates. Click on the blue button to find out how much Accunet can save you today.
• Sunday Radio Show - Euro Zone Walks on Thin Ice (November 28) The Euro Zone is walking on Thin Ice, and the ice is melting quickly.  Most investors are unwilling to lend money to the weak Euro Zone countries because they are unlikely pay back their debts. On the other hand, the United States has the flexibility to print money making our ability to pay our debts a smidgen short of guaranteed. This is keeping rates low here in the United States.
• Mortgage Market Update - Customized Mortgage (November 22) Accunet has more choices than ever. Some people who are 2 years into their 30 year fixed do not want to go back to 30 year loan: Accunet can now do a 28 year loan, or a 26 year loan. Accunet can do any number of years that you could possibly want. Click on the Blue Button for your customized mortgage checkup.
• Mortgage Market Update - Sweet Digits (November 16) Let's say 2 years ago you locked into a 4.875% 30 year fixed rate on a $200,000 loan. You may be thinking rates aren't low enough to save money refinancing, and that is simply not true. Accunet could knock half a percent off that rate, and save you $7,900 in interest over the life of the loan. Click on the Blue Button for a personalized mortgage check up today.
• Sunday Radio Show - Las Vegas vs. Milwaukee (November 13) If you bought a $200,000 house in both Milwaukee and Las Vegas in the year 2000, which home would be worth more now? Find out by listening today.
• Mortgage Market Update - Italy next in the Crisis Line (November 9) The world is taking money out of Europe and putting it into American denominated debts which is good for mortgage rates. Click on the Blue Button to find out if you should refinance, and if the time is not right, Accunet will set you up a personalized rate watch.
• Chief Crisis Officer (November 8) Bad European news is keeping rates nice and low in the United States. But here’s the problem - the United States Congress and the Budget Super Committee are next up in the crisis spotlight with a November 23^rd deadline, and there’s no telling what will happen.  So why gamble? Click on the Blue Button today for your personalized mortgage checkup.
• Sunday Radio Show - Debt Crisis Comparison (November 7) The United States budget crisis and the Greek debt crisis are strikingly similar. Yes, the health of Greece's government and economy is substantially more fragile than the United States. But both countries are spending more than they are earning, and political parties in both countries are divided on how to tackle the growing pile of debt. Congress' inability to come up with any meaningful debt compromise forced Standard & Poor's to drop the United State's credit rating from a AAA to AA+. If Greece's government cannot come up with a solution to their debt problems default could be in their future.
• Chief Opportunity Officer (November 2) Opportunity Alert - Mortgage rates were starting to creep up on news of a European Sovereign Debt fix, but the wheels have fallen off that bus, and mortgage rates are back down.
• Mortgage Market Update - European Debt Fix Derailed (November 2) As soon as things seemed to calm down in Greece, new troubles emerge. Greece decided to put the proposed debt fix to a vote, which most likely will not pass. This move caused a sharp decline in mortgage rates.
• Sunday Radio Show - Home Affordable Refinance Program (October 30) The Home Affordable Refinance Program (HARP) is designed to help homeowners who have lost the equity in their home refinance. Find out the requirements to qualify for the HARP by clicking on the blue button.
• Mortgage Market Update - President's Plan (October 25) The President's new plan is designed to help underwater homeowners refinance into lower interest rates. Homeowners in Wisconsin will not see the full benefits of  this plan because home values have not dropped as much as markets such as Florida, Las Vegas, or Phoenix. Accunet can still help you take advantage of the new plan and potentially save you over $1,000 a year.
• Sunday Radio Show - Economic Friction of Refinancing (October 23) Economic Friction of Refinancing: How much does it cost to refinance? At Accunet Mortgage your economic friction could be as low as zero. Click on the Blue Button today for a personalized mortgage checkup to find out how much you can save.
• Chief Quiz Master (October 19) Don't flunk this pop quiz and lock in a great rate today.
• Mortgage Market Update - You Shouldn't Wait (October 19) The best rule of thumb is to spend $1,000 or less to refinance for a yearly savings of $1,000. If you have a $200,000 loan you only need a 0.5% drop in rate to generate the $1,000 a year savings.
• Chief Thumb Officer (October 18) The bigger the loan, the smaller the rule of thumb. Forget the old rule of thumb that you need to save 1% for it to make sense to refinance. For loan amounts of $200,000 and greater you only need to save 0.5% to save over $1,000 a year.
• Mortgage Market Update - Rates Back Up (October 11) As soon as rates went way down and hit records low, rates headed up by a lot. Accunet could still save you money, check how much you can save today.
• Chief Detail Officer (October 11) Since reaching record lows on October 6th, mortgage rates have done nothing but go UP. And when you heard finally heard about the record low rate of 3.94%, the data was already two days old. For more details, listen now.
• Sunday Radio Show - 3.94% 30 Year Fixed (October 9) On October 6^th, media outlets touted rates hit their lowest levels ever at 3.94%, but that was only part of the story. Most outlets forgot to publish the important fact that borrowers had to pay 0.8 points to get that trophy rate. To compound confusion, the rates survey was referring to out of date data. All in all, by the time the 3.94% rate was published, it had already vanished, leaving most borrowers on shore with the refinance boat quickly sailing away.
• Mortgage Market Update - Mortgage Rate Elevator (October 4) Worries over a Greek debt crisis and a stagnant US economy lowered mortgage rates over the past week. Find out how much Accunet can save you each month by clicking here.
• Chief Update Officer (October 4) Down and up, up and down. This week mortgage rates are back down, and are changing frequently. Lock in your low rate today with Accunet Mortgage by clicking on the Blue Button.
• Sunday Radio Show - Greece Waivers on Default (October 2) The financial markets hung onto every word out of the Euro zone. As the outlook brightened in the early part of the week stock markets rallied. On Friday, stock markets gave up most of their gains as Euro zone's outlook worsened.
• Sunday Radio Show - Top 3 Obstacles to Refinancing (September 25) As rates hit genuine record lows, three obstacles block borrowers from refinancing: 1) When escrowing, Lenders will need to collect a full years of taxes at closing at this time of year. Three weeks after closing your original escrow account at your previous lender will be refunded back to you. 2) Home equity lines of credit will need to be subordinated with tighter lending constraints. 3) Appraisals are coming in lower than expected as property values continue to fall.
• Mortgage Market Update - Supply and Demand (September 20) Mortgages are commodities, so supply and demand is the number one rule. Demand for refinancing is high, and rates may not go a tick or two lower due to capacity issues at banks. Accunet can still deliver 3.99% on a 30-year fixed with half a point at 4.07% APR with all the right stuff.
• Sunday Radio Show - Record Low Rates (September 11) Rates hit genuine record lows over the past week due to continued fear over a Greek debt crisis.
• Chief Traffic Officer (September 6) Mortgage rates took an abrupt U-turn this week and headed back down. Speed on over to the blue button and see how much Accunet can save you.
• Mortgage Market Update - Bad News is Good News (September 6) Bad Jobs report is good news for mortgage rates. Exactly 0 jobs were created in the US which helped mortgage rates tick downward.
• Sunday Radio Show - Operation Twist (September 4) The Federal Reserve is deeply divided on whether or not to help the wavering United States economy. In the meantime the Federal Reserve will start "Operation Twist." The Fed will begin selling their short-term treasuries and start buying longer-term treasuries to help lower longer term interest rates.
• Mortgage Market Update - Up Tick (August 30) After consecutive weeks of rates dropping, rates ticked up over the past week.
• Chief Timing Officer (August 30) Can you time the lowest point in the interest rate market? Even the fund manager of the largest bond fund mistimed the market. Check today to see if Accunet can save you thousands on your mortgage.
• Sunday Radio Show - Navigating a Swamped Mortgage Market (August 21) Rates reached their lowest levels ever, causing mortgage lenders to be a bit overwhelmed with inquiries. Brian offers his advice on effectively navigating an overwhelmed mortgage industry.
• Sunday Radio Show - US Debt Rating Downgrade (August 7) Standards and Poor's downgraded the United States debt rating from a AAA to a AA+. Standards and Poor's recommended 4 trillion dollars of spending cuts, while Congress only agreed to cut 2 trillion dollars of spending over the next 10 years.
• Sunday Radio Show - Financial Armageddon (July 31) As financial Armageddon approaches the United States, rates headed lower last week. The US economy grew at a sluggish rate making a small dent in unemployment if any.
• Mortgage Market Update - Crisis Looming (July 27) Still no resolution to the debt ceiling crisis, what’s a borrower supposed to do? Rates are still very favorable, click on the Blue Button to see what Accunet can do for you.
• Mortgage Market Update - Chief of the Number 3 Officer (July 27) Despite the very real threat of higher rates, Accunet can still offer a full menu of rates starting with the number 3. Get a rates in the 3’s while you still can.
• Sunday Radio Show - Debt Ceiling (July 24) Will the deadline to raise our debt ceiling be the first credit default in the history of the US? Standard & Poors, Moody’s and Fitch will all downgrade the United States’ AAA debt rating if we do not control our debt problem — and that means higher interest rates for everyone.
• Mortgage Market Update - Debt Ceiling (July 19) August 2nd approaches, and a possible default facing America. Standard and Poors also put the United States on a Credit watch for possible downgrade if the debt ceiling is not raised. Don’t let the debt ceiling collapse on your noggin, click on the blue button today.
• Mortgage Market Update - Chief Safety Officer (July 19) If the United States Government fails to raise the debt ceiling, it could collapse on our heads. Standard and Poors put the US Federal Government on Credit watch over the debt crisis. A downgrade on the US credit rating would mean significantly higher rates.
• Sunday Radio Show - The Least Ugly Option (July 17) The United States looks like a safe haven, and continues to be the least ugly option for people looking for a safe investment.
• Mortgage Market Update - Bad News Near and Far (July 14) Bad news overseas and a dismal jobs report caused money to flow into United States Treasury bonds driving interest rates downward. Click on the Blue Button to see what Accunet can do for you today.
• Mortgage Market Update - A Recipe for Low Rates (July 12) Forget the old rule of thumb that rates need to drop by 1% to refinance. Click on the blue button today to see what Accunet can shake up for you.
• Sunday Radio Show - An Unpredictable Market (July 10) Greece averted a debt crisis, and the United States got hit with a splash of cold water from a dismal jobs report. Rates are low while the United States struggles with increasing our debt ceiling. The US must increase their debt ceiling by August 2nd.
• Mortgage Market Update - Bigger is Better (July 4) Mortgage rates are up from last week due to Greek financial crisis resolution. But the old 1% rate drop rule of thumb no longer applies.
• Sunday Radio Show - Flight to Safety (July 3) Greece on the brink of financial meltdown causing investors to take a Flight towards Quality. Investors flooded the United States bond market which drove rates downward. Last week Greece passed a plan to reduce their deficit which caused rates in the United States to track up significantly.
• Sunday Radio Show - Unemployment, Gas Prices, and Mortgage Rates (June 26) Brian gives a run down on the latest economic news — unemployment, gas prices, and economic stimulus plans. What does this mean for mortgages? Rates are a smidgen lower because of the Greek debt crisis and relatively poor economic news.
• Sunday Radio Show - Greece Creates an Opportunity for Low Rates (June 19) Brian joins Dan O'Donnell to explain why rates are at their lowest levels of 2011, and outline Greece's debt crisis. Also, unemployment and how it affects housing prices. Finally, Brian gives an update on rates at Accunet Mortgage.
• Sunday Radio Show - Can America Refinance? (June 12) Mortgage rates continue at their lowest levels of 2011, within shouting distance of their lowest levels in Fall 2010. Will rates go lower? Brian attempts to answer this age old question.
• Sunday Radio Show - Home sales sputter after Home Buyer tax credit ends (June 5) Home prices are down to their 2002 levels, but sales are still down after the tax buyer credit ended. Single family homes have an inventory at 8 months and condos have an inventory of 1.5 years.
• Sunday Radio Show - Taxes, Home Prices, and Mortgage Rates (May 22) Brian Wickert is joined by his 1st cousin Paul Wickert to go over the tax consequences when making upgrades and purchasing homes, and Paul attempts to tackle the Alternative Minimum Tax issue. Plus a local real estate market update.
• Sunday Radio Show - November Home Sales Down (December 31) Home Sales are down this month and we discuss reasons why it may have been adversely affected this month.

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