Tim Billups

Mortgage rates moved modestly higher this week, reaching their highest level in several weeks as inflation concerns and global uncertainty continue to influence financial markets. While we can’t control economic uncertainty and global events, there are still ways to maximize…

Embarking on your first home purchase can feel overwhelming. The path to qualification involves clear steps, steady preparation, and the right guidance. With Century Financial Group, a 25-year mortgage brokerage business, the journey becomes more navigable. Our seasoned team partners…

How buyers can move forward with confidence—and how Century Financial Group can help Buying a home today can feel more complicated than it did just a few years ago, but there is still plenty of good news for buyers in…

A client came to me last month convinced they could not qualify for a home loan. They had done their own research, talked themselves out of it, and almost never reached out. Thirty days later, they had keys in their…

I have spent 27 years as a mortgage specialist helping buyers navigate home loan options, understand mortgage rates, and qualify for first-time homebuyer programs they did not know existed. The process does not have to be overwhelming — it just…

Buying a home is one of the biggest financial decisions you will ever make, and the mortgage process does not have to feel like a mystery. I have spent years guiding buyers, first-timers, and seasoned homeowners through every step, from…

The truth is, refinancing makes sense when the timing aligns — when interest rates have dropped enough to meaningfully lower your monthly mortgage payment, when your credit score has improved since you first closed, or when you need to tap…