About the Author

James K Barath, CMPS® James K Barath, CMPS®
James K Barath is a Certified Mortgage Planning Specialist®, Certified FICO® Professional, Certified Military Housing Specialist® and your FHA Home Loan Expert. He is also a graduate of Purdue University, The CMPS Institute, Dale Carnegie Human Relations Course & Napoleon Hill Foundation's PMA Science of Success Class. It's your home and your future. It's his profession and his passion. He is ready to work for your best interest. Contact James for your FREE Home Loan Approval !  His Motto: I Facilitate the American Dream Through Responsible Mortgage Lending and Financial Literacy!

My Contributions

The Week Ahead For Mortgage Rates – December 19, 2016

Housing news was boosted by the National Association of Home Builders Housing Market Index, which posted its highest readings since July of 2002. In other news, the Federal Reserve’s Federal Open Market Committee voted to raise the federal funds rate and Fed Chair Janet Yellen gave a press conference. Mortgage rates rose and weekly jobless claims fell. Home Builder Confidence Highest in 14 Years,... [Read more]

Use This Checklist to Ensure Your Finances Are in Order

Buying a home is a significant expense. It doesn’t matter whether you’re a first-time buyer or have experience. Unless you have a large pile of cash, you’ll need to ensure your finances are in order before closing. In this post we’ll explore four financial items you’ll want to check off before buying a new home. Figure Out Your Current Monthly Budget First, you’re... [Read more]

Why You Might Avoid Paying Off Your Mortgage Early

The burden of debt, especially when it comes to the high price tag of a home, can be a significant worry to many people. However, what many homeowners may not be aware of is that paying your mortgage off early can actually have a negative impact on your financial health. Whether you’ve recently come into money or you’re working hard to bump up your monthly mortgage payments, here are some... [Read more]

Here’s What You’ll Need to Get a Mortgage Approval

There’s a lot of flexibility and personal freedom associated with self-employment that can be a great benefit to your lifestyle and your pocketbook. However, because of the somewhat unpredictable nature of self-employment, it can make acquiring a mortgage a little more difficult. If you’ve recently become self-employed or have been in the game for a while, here are some things you may want... [Read more]

How to Prepare Your Plants, Trees and Other Landscaping

From the approaching holiday season to the New Year, there are a lot of things to prepare for when it comes to the winter. It’s important, though, not to forget about the needs of your lawn for the upcoming cold season. If you’re wondering how to ready your trees, your plants and your yard, here are some tips for saving your vegetation until the springtime. Fertilize For Grass Growth It... [Read more]

The Week Ahead For Mortgage Rates – December 12, 2016

As 2017 winds down, analysts are forecasting economic developments for 2017. Forbes identified three indicators that the U.S. housing market has recovered. Mortgage rates rose again last week; jobless claims fell and consumer sentiment jumped rose five points. The details: Housing Market Recovery Complete: Forbes Three conditions were cited by Forbes as evidence that the housing market has recovered: Analysts... [Read more]

Upgrades That Make Your House Worth More

It’s likely that your house is your biggest asset, so when it comes time to sell it you’ll want to do everything you can to maximize your profit. Good news the value of your home isn’t solely determined by the market, there are several ways in which you can increase its value by making upgrades before listing. Let’s take a look at 3 top upgrades that will make your house worth... [Read more]

5 Ways a Mortgage Can Be a Huge Benefit to You

For many people, investing in a house is one of the most important purchases they will make in their lifetime. However, alongside having the comfort of your own home, there are many financial benefits associated with buying in. If you’re currently perusing the market for opportunities, here are some reasons to consider investing a little sooner. Get Away From Inflation If you have an adjustable-rate... [Read more]

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