Q Clark, Mortgage Loan Officer at Guild Mortgage

Did you know that I work for one of the largest mortgage companies in the country! That means that we have more loan types available than any almost anybody out there!!

Exciting news today, I have now joined Guild Mortgage. First Centennial Mortgage has merged with Guild! This gives our clients even more flexibility in purchasing their new home! Please ping me for any questions!

NMLS #2152449
Guild Mortgage

According to a recent Gallup poll, real estate has been voted the best long-term investment for 11 years in a row, beating gold, stocks, bonds, and more.

Real Estate Continues To Be the Best Investment [INFOGRAPHIC] According to a recent Gallup poll, real estate has been voted the best long-term investment for 11 years in a row, beating gold, stocks, bonds, and more.

If you're having trouble finding a home you like while inventory is so low, it may be time to consider looking into new-home construction. If you'd like to start that conversation, let’s connect so you’re working with an expert on what’s available in our area.

Momentum Is Building for New Home Construction If you’re in the process of looking for a home today, you know the supply of homes for sale is low because you’re feeling the impact of having a limited pool of options.

If you’re questioning if it still makes sense to buy a home today, remember the incredible long-term benefits of homeownership. If you’re ready to start the conversation, let’s connect today.

Why Homeownership Wins in the Long Run Today’s higher mortgage rates, inflationary pressures, and concerns about a potential recession have some people questioning: should I still buy a home this year?

Context is everything when looking at headlines. While homeowner equity dropped some from last year, it’s still near all-time highs. Let’s connect so you can get the answers you deserve from an expert who’s here to help as you plan your move this year.

A Drop in Equity Doesn’t Mean Low Equity You may see media coverage talking about a drop in homeowner equity.

Before you can start scoping neighborhoods and exploring online listings, take these steps to make sure you can secure a mortgage for a home loan.

Securing a Mortgage | First Centennial Mortgage Corporation First-time home buyers often rush into the homebuying process, excited about securing a mortgage. Buying a home is an exciting experience, requiring a lot of preparation - especially with home financing.

If you’re planning to make a move, the equity you’ve gained can make a big impact. To find out just how much equity you have in your current home and how you can use it to fuel your next purchase, let’s connect.

Equity Is a Game Changer for Homeowners Looking To Sell If you’re a homeowner, you might be torn on whether or not to sell your house right now.

If you’re trying to decide if you’re ready to buy a home, these questions can help. But ultimately, your best and more reliable resource is the help of trusted real estate professionals.

How To Know If You’re Ready to Buy a Home If you’re trying to decide if you’re ready to buy a home, there’s probably a lot on your mind.

If you have questions about what’s happening with home prices in our local area, let’s connect.

Don’t Fall for the Next Shocking Headlines About Home Prices If you’re thinking of buying or selling a home, one of the biggest questions you have right now is probably: what’s happening with home prices?

Converting your home into a short-term rental isn’t a decision you should make without doing your research. To decide if selling your house is a better alternative, let’s connect today.

Renting or Selling Your House: What's the Best Move? If you’re a homeowner ready to make a move, you may be thinking about using your current house as a short-term rental property instead of selling it. 

Leading up to the housing crash, lending standards were much more relaxed with little evaluation done to measure a borrower’s potential to repay their loan. Today, standards are tighter, and the risk is reduced for both lenders and borrowers. This goes to show, these are two very different housing markets, and this market isn’t like the last time.

Lending Standards Are Not Like They Were Leading Up to the Crash You might be worried we’re heading for a housing crash, but there are many reasons why this housing market isn’t like the one we saw in 2008.

Each and every home sale is important for the local economy. If you’re ready to move, let’s connect. It won’t just change your life – it’ll also have a strong positive effect on the whole community.

Why Buying or Selling a Home Helps the Economy and Your Community If you're thinking about buying or selling a house, it's important to know that it doesn't just affect your life, but also your community.

Homeowners are looking into alternative home heating and cooling options as energy costs increase. Learn more about the latest alternative home heating and cooling options that are both eco-friendly and cost-effective.

Alternative Home Heating and Cooling Options | First Centennial Mortgage Corporation Alternative home heating and cooling options can help you save on energy bills while reducing your environmental impact. Find out the latest technologies homeowners are using to build eco-friendly living spaces.

When you buy a home, let’s connect so you have an expert on your side who can help you make your best offer.

Tips for Making Your Best Offer on a Home While the wild ride that was the ‘unicorn’ years of housing is behind us, today’s market is still competitive in many areas because the supply of homes for sale is still low.

Working remotely not only gives you more flexibility in your job but also presents a great chance to broaden your search for a home. Since you're not limited to a specific location, you have the opportunity to explore more options. Let's get in touch to discuss how this can expand your choices and help you find the perfect home.

How Remote Work Expands Your Homebuying Horizons Even as some companies transition back into the office, remote work remains a popular choice for many professionals.

Now’s the time to sell your house and take advantage of the momentum that’s building in new home construction. Let’s connect so you have a guide throughout the selling and buying process. Together, we can make your transition to a newly built home a reality.

Where Will You Go If You Sell? Newly Built Homes Might Be the Answer. Do you want to sell your house, but hesitate because you’re worried you won’t be able to find your next home in today’s market?

If you’re thinking of buying a home this year, be sure to factor in the long-term benefits of homeownership. Over time, homeownership allows you to build equity. On average, nationwide home prices appreciated by 290.2% over the last 32 years. That means your net worth can grow significantly in the long term when you own a home. Let’s connect so you can start your homebuying journey today.

How Owning a Home Grows Your Wealth with Time [INFOGRAPHIC] If you’re thinking of buying a home this year, be sure to factor in the long-term benefits of homeownership.

The mortgage closing disclosure is a document that makes the home-buying or refinancing process more transparent. You will receive the mortgage closing disclosure document a few days before closing and should know what to look for to ensure that closing goes smoothly.

Mortgage Closing Disclosure | First Centennial Mortgage Corporation The mortgage closing disclosure enhances home-buying transparency. You get it a few days pre-closing for a smoother process.

If you are a first-time homebuyer looking to invest in real estate, you are likely intimidated by the process. Purchasing a home is a substantial investment that takes a great deal of preparation and understanding – particularly when it comes to supplying a down payment.

While you have likely heard most lenders look for a 20 percent down payment when potential borrowers apply for a mortgage, that may not be always be feasible. Luckily, this isn’t always necessary.

How Much for a Down Payment? | First Centennial Mortgage If you are a first-time homebuyer looking to invest in real estate, you are likely wondering much do you need for a down payment?

Before you can start scoping neighborhoods and exploring online listings, take these steps to make sure you can secure a mortgage for a home loan.

Securing a Mortgage | First Centennial Mortgage Corporation First-time home buyers often rush into the homebuying process, excited about securing a mortgage. Buying a home is an exciting experience, requiring a lot of preparation - especially with home financing.

The right outdoor lighting can turn your backyard into the perfect place for summertime relaxation. But what are your options for adding a glow to your outdoor space?

Outdoor Lighting Solutions | First Centennial Mortgage Corporation The right outdoor lighting can turn your backyard into the perfect place for summertime relaxation. But what are your options for adding a glow to your outdoor space?

Escrow accounts and understanding them is key if you’re considering buying a home in 2023. In this blog post, we’ll explain how escrow accounts work in the home-buying process, the role of escrow agents, and their importance in ensuring a smooth home-buying experience.

Understanding Escrow Accounts | First Centennial Mortgage Corporation Understanding escrow accounts is key if you’re considering buying a home in 2023. In this blog post, we'll explain how escrow accounts work.

In today’s world, sustainability and reducing waste are more important than ever. Learning repurposing household items for sustainability can save you money and help the environment. Plus, it adds a touch of eco-friendly living to your home.

Repurposing Household Items for Sustainability | First Centennial Mortgage Corporation In today's world, sustainability and reducing waste are more important than ever. Learn how repurposing for sustainability can save you money

Wondering if it makes sense to buy a home today even when inflation is high? When other costs go up due to inflation, buying a home helps you keep your monthly housing expense steady.

Homeownership Helps Protect You from Inflation [INFOGRAPHIC] Wondering if it makes sense to buy a home today even when inflation is high? When other costs go up due to inflation, buying a home helps you keep your monthly housing expense steady.

Context is everything when looking at headlines. While homeowner equity dropped some from last year, it’s still near all-time highs. Let’s connect so you can get the answers you deserve from an expert who’s here to help as you plan your move this year.

A Drop in Equity Doesn’t Mean Low Equity You may see media coverage talking about a drop in homeowner equity.

With affordability challenges today, prioritizing ways you can have a positive impact on your credit score could help you get a better mortgage rate. If you want to learn more, let’s connect.

What Homebuyers Need To Know About Credit Scores If you’re thinking about buying a home, you should know your credit score’s a critical piece of the puzzle when it comes to qualifying for a home loan.