• Scott Kepler

    NMLS #833792

    (813) 444-8537

    scott@scottkepler.com

  • Mortgages Made Easy!

    Next week's Fed announcement is a hot topic. Market metrics and surveys of economists suggest ever-increasing odds of a rate hike. As such, it may come as a surprise to learn that a rate hike is pointless in terms of its impact on [...]

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    Gift Funds For Home Purchase

    If you’re struggling to pool enough cash for your down payment, a generous relative or friend can help by giving you money. But the money must be a true gift, not a disguised loan, and it must be documented properly through financial statements[...]

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    Which is More Affordable: Renting or Homeownership?

    Get Your Free Rent vs Own Comparison Report  Despite rent increases and feeling burdened by finances, seven in ten renters currently feel renting is a more affordable choice than homeownership. Even among those who plan to move towards [...]

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    Conventional Loan Limits Increased

                    For the first time in more than a decade Fannie Mae and Freddie Mac announce the increase in their loan limits.  Beginning on January 1st, 2017 the conventional loan limits will be increased from $417,000 to $424,100.  The [...]

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    Millennials drive rise in first-time homeownership

      First-time homebuyers, particularly the younger generation dubbed millennials, are getting off the sidelines and buying homes in greater numbers, the National Association of Realtors (NAR) says. The share of home purchases by first-time buyers [...]

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    The Smart Money Move: Conventional Refinance

    A conventional refinance is the loan of choice for many homeowners in today’s market. While HARP and FHA have dominated the refinance market in years past, the standard conventional refinance is becoming the go-to option now that home equity is [...]

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    3% Down Payment Home Loans (and some zero down too!)

    YOU DON'T NEED 20% DOWN TO BUY A HOME Housing is making a comeback! Since the start of 2012, home values are up nearly thirty percent nationwide. Unfortunately, rents are rising just as fast. In many U.S. markets, it's more economical to own a home [...]

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    Interest Rates remain low... Is it time to consider a refinance?

    Financial decisions are one of the most important decisions to make in anyone's life. Smart financial decisions go beyond the issues of normal savings or periodical investments. Sometimes you are faced with a tough decision in order to improve your [...]

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    Why Do Mortgage Interest Rates Change?

    Mortgage rates change daily, and sometimes multiple times per day. In this article, ‚Äúmortgage rates‚ÄĚ will refer to the combination of upfront cost and actual interest rate described here:¬†Components of the Mortgage Interest Rate. For example, if[...]

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