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Nothing about our financial markets last week was normal. From historically low mortgage interest rates to extreme stock market volatility, here's how it's all shaking out.

None of that fake stuff! Wells Fargo and Mr. Cooper eliminate mortgage jobs, study warns of declining home sales and slowing prices, purchase originations expected to increase in 2019, and the government shutdown impacts home buying.

Your loan officer is the person who should hold your hand throughout the process of getting a mortgage. So how do you know if they have the experience necessary to do their job? It's easy to figure out with a little Internet sleuthing.

Some lenders are having pre-approvals fully credit-approved by an underwriter. Are these transactions more likely to close? Maybe. Maybe not.

It's important for the real estate agent and mortgage loan officer to have processes and procedures in place to discourage fraud. As such, a buyer's mortgage paperwork shouldn't pass through the hands of the REALTOR if it can be helped.

Mortgage applications are declining and mortgage lenders are hungry! Some are turning to gimmicks or "incentives" to get your business.

The real estate market in Port Townsend and Jefferson County (WA) is extremely competitive. Whether you're a first time buyer or are looking for the perfect retirement home, get pre-approved for your mortgage loan. Don't be like Dick!