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Jim Pate

Mortgage Advice for Financial Freedom by Finance Expert Jim Pate

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  • 4.99% Mortgage Rates?! That's Old News August 5, 2022
    On a week where many sports fans thought fondly of the late Vin Scully's famous "high fly ball into right field" call during the 1988 World Series, two of the heaviest hitting economic reports were also swinging for the fences. They connected, and rates moved higher as a result.
  • The Real Reason Mortgage Rates Are Dropping at a Record Pace July 29, 2022
    Mortgage rates have been all over the map recently, both in terms of their movement and in their variation between lenders. The disconnects are so big as to require a deeper explanation.

4 Benefits of a Mortgage Refinance

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Is it Time to Refinance? By: Jim Pate Buying a home is the best investment you can do in your entire life. Not only because it gives you the pride of becoming a homeowner, but also because it also gives you the security that you have a place to stay at the end of the…

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A Home Mortgage Makes Dreams Come True

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Home Ownership By: Jim Pate Getting a house of your own is a lifetime achievement and a home mortgage helps you in achieving this milestone much earlier than it would otherwise have been possible. In fact, the first home mortgage is also filled with a lot of emotion. A home mortgage is really something that…

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Our FHA Loan Programs

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Secure One Capital FHA Loan Programs By Jim Pate Unlike many lenders, Secure One Capital is a FHA delegated banker. Essentially, if FHA will insure it, we will fund it. We go down to 500 FICO score on FHA insured loans with no lender overlays. We also go to 85% loan to value on cash…

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FHA Home Loan Programs

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Your Guide to FHA Home Loans By Jim Pate The Federal Housing Administration (FHA) is a division of the Department of Housing and Urban Development (HUD), which insures loans. FHA mortgage insurance encourages lenders to make loans to otherwise credit worthy borrowers, which may not be able to meet conventional underwriting guidelines. There are a…

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Getting Things Done

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GTD—or “Getting Things Done”—is a framework for organizing and tracking your tasks and projects. By Jim Pate One of the basic assumptions of GTD is that your subconsciousness is quite dumb when it comes to thinking about things you should have done. For example knowing you need to fix your bike before next week, but…

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Putting First Things First

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How to practice Habit #3, First Things First, from Stephen R. Covey’s The 7 Habits of Highly Effective People. By Jim Pate Everybody has tasks s/he does not like. Recognizing when these tasks are so important they have become ‘the first thing’ and doing them first is what disciplined people do; however, being disciplined is…

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