This is the first post for this Blog. When you read this Blog, you will find interest rates, programs, and other helps for you to make educated decisions about financing or refinancing your home, second home, or investment property.

What makes this Blog or the source worth your reading time? Terry Walker is the owner of Walker Mortgage, LLC located in Salt Lake City and serving the entire State of Utah. Terry has been in lending business at some level since 1972. In my spare time I teach finance classes at the University of Utah. I have supervised or participated in originating well over 30,000 home loans in Utah, California, Arizona, Wyoming, abnd Nevada. I currently only offer services in Utah.

Walker mortgage is a Boutique Mortgage Broker shop with a very small group of dedicated professionals. We are in our 13th Year in Utah. As you have watched our industry shrink, 13 years seems like a very long time to survive in this ever changing industry.

When you apply for a loan or seek the counsel of Terry Walker as your mortgage guide, you deal with him directly, no processor or clerks to get in the way. You deal with me and with me only application to closing. You are buying the 38 years of experience and you have access to that expertise at each step of the process with no junior helpers, no processors, no clerks between you and Terry.

Now is a great time to consider buying a home. interest rates are historically very low, prices are low, sellers are making great concessions, and believe it or not, lenders are actively mamking loan. While it is true that qualfiying is harder, you must have good credit and actual down payment, it is still possible to obtain a 95% conventional loan.

What you need is a guide, someone to take you through the jungle that is mortgage lending in 2010. Someone who has been through this jungle many times and can help you navigate the terrors of obtaining a loan without pain or high cost.

Give me a call, 801-652-5153 to see what you can do to obtain a home. AS you know, the $8,000 tax credit is scheduled to expire at the end of April, if that is important to you, you have about 10 days to get a home under contract and still close by the end of April.

Stay tuned to other interesting observations regarding this dynamic industry and how you can get the best loan for your circumstances.