Bob Elliot

Senior Loan Officer

NMLS# 2657264

Bob Elliot Senior Loan Officer
FHA Affordable Lending Specialist

Blog

How the Federal Reserve Impacts Mortgage Rates

Interest rates don’t move randomly—and they don’t exist in a vacuum. Behind the scenes, the Federal Reserve plays a central role in shaping the cost of borrowing across the economy, Jun 03, 2026

Pay Off Your Mortgage Early or Invest? How to Make the Right Financial Move

When you come into extra cash—whether it’s a bonus, tax refund, or unexpected windfall—you’re faced with a critical financial decision: should you pay down your mortgage or inv May 26, 2026

How Adjustable-Rate Loans Work and When They Make Sense

Adjustable-rate mortgages don’t have to feel unpredictable. At their core, they’re simply loans with two phases: a fixed-rate period followed by periodic adjustments based on market condi May 19, 2026

8 Smart Questions to Ask Before Refinancing Your Mortgage

Refinancing your mortgage can be a powerful financial move, but only if you understand the full picture before signing on the dotted line. With interest rates and loan options constantly changing, ask May 12, 2026

The Value of Experience in Affordable Loan Programs

Why Experience Matters in Affordable Loan Programs When it comes to navigating the complex world of affordable loan programs, experience is key. As a Certified Affordability Specialist, I have dedicat May 06, 2026

VA Loan Offers: What Home Sellers Really Need to Know

Many home sellers hesitate when they see a VA loan offer. There’s a long-standing perception that these loans are harder to close, come with stricter requirements, or introduce unnecessary risk. May 05, 2026