Here we are a few days into 2019 and many New Year’s resolutions are likely complete fails, “pot” stocks may be the only sure thing for investors this year, it seems like the 2020 presidential primaries are kicking off, and there is a partial government shutdown.

That does not sound like much of a start, but 2019 still has 360 days or so to turn things around.

Closer to home, things are actually looking pretty good (relatively speaking) in the mortgage and housing markets as we start the new year. Industry news has mortgage rates down — at least for now — and home price increases seem to be moderating. Both of those factors could make for a decent and maybe even early spring home buying season as affordability becomes less of a concern for some potential homebuyers. Or even if affordability is not less of a concern, fear of missing what might be considered an opportunity someone might not see for a while might have some move into the market. Either way, it makes sense for those considering homeownership but hesitating to take the leap.

It is a fantastic time for buyers to take advantage of Approved to Move™ and program options available through Embrace. In addition to the full selection of conventional, FHA, VA and USDA mortgage programs, we have put in a considerable amount of effort getting ready for 2019’s mortgage market. We now have programs for self employed borrowers who might need to use bank statements to help document their income. We can also help borrowers who might be just a year out of bankruptcy, as well as those who are doing great and looking for options like an ARM loan or a longer-term mortgage to make those expensive homes more affordable.

We are ready to meet just about any need and are here and more than willing to spend the necessary time and energy to get your borrowers financed and in that new home.