Hello! It has been so long since i have posted here and that’s never good. I became distracted (with life and love and children) and disheartened (with my love of real estate) and contemplated whether to give up. Recently though, I figured out that this blog is needed and how I can be of help as well as how it can help me to teach and reach many not clear, muddy and confused in all of this process with buying, refinancing and general closing. So, I am back to answer questions, offer my insight and place my “two cents” in the cyber stratosphere.