Nicole Murphy
NMLS# 1482185
Nicole Murphy
NMLS# 1482185
A mortgage amortization schedule explains how each monthly payment on a home loan is applied over time. It shows exactly how much of each payment goes toward interest, how much reduces the principal balance, and how the loan balance declines over the life
Jan 29, 2026 | Purchasing a Home
Real estate investing is widely recognized as a powerful way to generate income and build long-term wealth. What often makes it especially effective is how favorably it is treated under the U.S. tax code. Beyond rental income and appreciation, real estate
Jan 27, 2026 | Purchasing a Home
The Closing Disclosure represents one of the most important documents in the mortgage process. This detailed statement outlines your final loan terms and itemizes every cost associated with closing. Understanding what this document contains and how to rev
Jan 22, 2026 | Purchasing a Home
Yes, you can refinance an adjustable-rate mortgage (ARM) into a fixed-rate loan—and for many homeowners, it’s one of the smartest financial moves they’ll ever make. While refinancing may sound like a simple swap of interest rates, the re
Jan 20, 2026 | Refinancing a Home
A wraparound mortgage is a form of seller financing that allows a property to be sold while the seller keeps their existing mortgage in place. Understanding Wraparound Mortgages The buyer makes payments directly to the seller, who continues paying the ori
Jan 15, 2026 | Purchasing a Home
Retirement offers the opportunity to adjust your lifestyle and focus on long-term comfort. For many retirees, purchasing a new home is an important part of this transition. Establish Your Priorities Before starting your search, define your must-haves and
Jan 13, 2026 | Purchasing a Home