Greetings.

Welcome to my special brand of insanity.

I am outspoken and stubborn. I have my own theories on many things, which are mostly based in logical assessments of the issue at hand.

I am 36 years old and I am very happily married. I know, unusual in these times, eh?

I am a mortgage executive in the business for over 13 years across the United States.

I am interested in intelligent debate about intelligent design.

I also love Interior Design, music, and macaroni and cheese.

My passion is ...

Life and living it...for many years to come!

I know too much about ...

myself.

My parents always told me ...

"But you are pretty on the INSIDE and that's what counts!"

My childhood ambition ...

To be a lawyer or doctor or famous singer.

My favorite memory ...

Our wedding day.

Why I write ...

To get all those pesky random thoughts out of my head. The voices don't like them.

What I am reading/watching/listening to ...

Nothing.

My first job ...

Babysitting.

My best moment ...

When I married him.

My inspiration ...

To be a great wife and mother.

Personal Finance > Real Estate Minimizing closing costs in real estate purchases

2 of 4

Closing costs are still in the realm of the "great unknown" for most consumers when it comes to financing or refinancing their home. Most consumers are misguided in their belief that closing costs aren't necessary and if they "argue" with their broker/lender, they can get a no closing cost loan.

There is good news and there is bad news. First the good news. If you are refinancing, your closing costs will be lower than a typical purchase loan and you get to finance them into the loan itself and typically won't have any out of pocket expenses.

The bad news is for folks purchasing a hom...

More..