Lora Behm

Self-Employed? You Have More Options Than You Think  Being self-employed doesn’t have to make getting a mortgage feel impossible. In fact—there are lots of programs designed to help. But there’s one in particular that’s pretty amazing (and not enough people talk...

Ever Wondered How Mortgage Agents Get Paid? It’s a question I get a lot, especially from first-time buyers or anyone who’s always just walked into their bank for a mortgage. Here’s the simple answer: I get paid by the lender I place your mortgage with. And I only get...

Buying and Selling at the Same Time? Let's Talk Bridge Financing  So you’re buying a new home, but your closing date on the old house is after the new one. That can feel a little nerve-wracking—but don’t worry. There’s a solution for that. It’s called bridge...

Divorced or Separated? Or, have you not owned a house in 5 years?  You might still be a first time buyer. In the fall of 2024, the government rolled out a number of changes to make buying a home easier for first-time buyers. But here’s the thing—a lot of people think...

Two Common Mistakes Self-Employed People Make When Prepping for a Mortgage  Being self-employed comes with a lot of flexibility, but it also means you need to plan ahead when it comes to getting a mortgage. Over the years, I’ve seen two mistakes pop up again and again...

Thinking About Buying a Rental Property? Here's What You Need to Know About Mortgage Rates.. Did you know rental properties usually come with higher mortgage rates? It’s true—and there’s a good reason for it. Lenders see rentals as riskier investments. Why? Well,...

Found the Perfect House, But It Needs Some Work? You know the one: perfect layout, amazing location—but the floors are dated or the kitchen is crying out for a remodel. Here’s something a lot of people don’t realize: You can actually borrow more money from the bank to...

Worried About Not Qualifying When Your Renewal Comes Up? You’re not alone—this is something I have hearing about a lot lately. With people coming up to renewal from COVID rates and higher interest rates these days, it’s a common concern. But here’s the good news: If...

Two Things That Can Seriously Impact Your Mortgage Approval     When it comes to getting a mortgage, most people focus on income, credit score, and down payment—but there are two other big factors that can affect your approval, and they often catch people off guard.  ...