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Holly Gustlin
Feb 4, 20192 min read
C-Corps. – The good, the bad and the ugly when you apply for a home loan
If you own less than 100% of your business, filing your taxes as a C-Corp. rather than electing an S-Corp. may hurt your ability to get a...
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Holly Gustlin
Feb 3, 20193 min read
Am I getting in too deep by buying my first home?
When you are deciding whether you can afford to buy a home rather than remaining a renter, there are more factors to consider than the...
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Holly Gustlin
Jan 30, 20193 min read
My loan docs are over 100 pages – What is important and what is boiler plate?
When you receive the final loan documents, it can be overwhelming. They are usually over 100 pages. It is tempting to skim over them all...
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Holly Gustlin
Jan 29, 20193 min read
What Are My Risks if I Choose an Adjustable Rate Mortgage?
The liquidity crisis that began in 2007 seriously scarred most of us. Very few people want to consider an Adjustable Rate Mortgage (ARM),...
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Holly Gustlin
Jan 26, 20192 min read
Sole Proprietor – Tips to help you if you file your income on Schedule C of your 1040
The purpose of this article is to help Sole proprietors understand how their deduction choices will affect the income calculation lenders...
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Holly Gustlin
Jan 21, 20192 min read
Bait and switch and how to avoid being a victim
Some people think they can trust a quote simply because it came from a major bank. There is one major nationwide bank who is well-known...
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Holly Gustlin
Jan 14, 20192 min read
How deducting Meals expenses can hurt your home loan, and what to do about it
Did you know that when you write off meals expense you can only write off half of the actual expense, but lenders deduct the full...
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Holly Gustlin
Jan 8, 20192 min read
What the heck does APR mean, and does it really help me?
Does the APR quoted in an advertisement matter? Is it hiding something? The simple answer is “Yes, it matters; but can be deceiving”. APR...
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Holly Gustlin
Jan 2, 20190 min read
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Holly Gustlin
Jan 2, 20194 min read
Credit Score Tips for Success
Credit Card Tips Amount Owed The amount owed divided by your limit equals the percent credit usage. They care about individual credit...
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Holly Gustlin
Jan 1, 20190 min read
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Holly Gustlin
Dec 31, 20183 min read
How to Avoid Paying Junk Fees
When I began writing my consumer protection book before the 2007 liquidity crisis, the mortgage industry was like the wild west. There...
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Holly Gustlin
Dec 28, 20182 min read
APR Explained – Does it help you shop rates?”
Does the APR quoted in an advertisement matter? Is it hiding something? The simple answer is “Yes, it matters; but can be deceiving”. APR...
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