Pine Creek Financial Group llc

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Residential Purchase / Refinancing / VA / FHA
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News from the Creek


  1. Bridge Financing: What Is It?
    19 Sep, 2017
    Bridge Financing: What Is It?
    Bridge Financing: What Is It?  When it comes time to finance your new home and you still have a loan on another home you own but plan to sell, you are likely to run into the term bridge financing.  This is a special type of financing that can help solve the cash flow problems created by the need to complete the purchase of one home before you complete the sale of the other.  Filling In The Gap  It can be difficult to get the sale of your current home to coincide perfectly with the purchase of
  2. 31 Jul, 2017
    The Advantages of Pre-Approval
    The decision to purchase a home can be an exciting but sometimes confusing undertaking. When beginning your search for the perfect home, there are a number of factors that you will want to consider. Whether you are a first time buyer or already own a home and want to move up, getting pre-approval for your mortgage is a necessary and time saving step. Here are some of the benefits of getting pre-approved!  Know Your Budget!  Getting pre-approved means that you will have a clear picture of the
  3. 08 Feb, 2017
    Do you really need a broker?
    Do You Really Need A Broker?  A mortgage broker's job is to match you with a mortgage company that can offer you the best terms on your home loan.  Most brokers work with a list of companies and can consider a variety of options for you.  Do you really need a broker, or is it better to do the legwork yourself to make sure you get the best rate?  There are a few things to consider.  Do You Have The Time?  It's a good idea to shop around for the best rate on your mortgage, and not everyone has
  4. 07 Sep, 2017
    Building A Home Theater
    Building A Home Theater These days, a home theater is one of the most popular trends in the nation.  Homeowners are opting to save a bundle on the cost of theater tickets by bringing the fascinating world of cinema into their own homes in a big way.  Quality Counts  When it comes to creating a home theater, the choice is yours when it comes to the level of quality that you want to deliver.  A home theater can include something as basic as a television and DVD system or it can include a
  5. 24 Aug, 2017
    Applying For a Joint Mortgage Loan With Your Spouse
    Applying For a Joint Mortgage Loan With Your Spouse  When you are ready to buy a home, applying for a mortgage is one of the first and most important steps.  For married couples, this usually involves applying for a mortgage loan jointly.  This means that the loan will be in both of your names and you will be co-owners of the house.  While it may seem like the obvious thing to do, there are a few situations when applying with only one name might be wise.  Here are a few tips on joint mortgage
  6. Recognizing Predatory Mortgage Lenders
    10 Aug, 2017
    Recognizing Predatory Mortgage Lenders
    A predator is defined as one that preys on others, which is why some lenders have fittingly earned the title as predatory mortgage lenders. Excessively high interest rates, questionable and/or hidden fees and high pressure tactics used to direct borrowers to a larger loan than they may be able to afford are trademark characteristics of a predatory mortgage lender.  Prey Verses Predator  When it comes to obtaining a mortgage, the rules of the jungle often apply. If you aren’t careful, you may
  7. 14 Jul, 2017
    A Homeowner's Toolkit: All The Tools You Need To Care For Your Home
    Whether you have just bought your first home or have been a homeowner for some time, chances are that at some point you will be faced with home repairs.  While you can always call the local repairman to fix minor plumbing or structural problems, doing the repairs yourself can save you time and money, and with a few tools you'll have everything you need to make most home repairs.  So what do you need to create a Homeowner's Toolkit, and to give you the know-how to make the simple repairs
  8. Common Financing Terms Explained
    23 May, 2017
    Common Financing Terms Explained
    Common Home Financing Terms Explained  If you are new to home financing, you may be a little confused by some of the common terms that are used in the process.  These common terms will help simplify getting your home loan and ensure you understand what stage you are at and what comes next.  Getting A Loan  Pre-Qualification:  This is a term that means you have been provided an estimate of what sort of loan you can expect to obtain based on your credit score and what's currently available.  It