Happy New Year!

We have made it through another year. 2010 was a challenging year in the mortgage business as well as the real estate business. Those of us who have survived the hard times will be rewarded in 2011. That is what the experts are saying anyway. I believe it to be true. People who were in the game for a quick buck are gone. Mortgage rates are hovering around 5.00% which is still a fabulous rate along with home prices in the area remaining in an affordable range.