Emily Caryl's blog
FHA Mortgage Insurance Changes
Posted Wed, 2012-03-28 20:29 by Emily Caryl
Big changes are on the horizon for FHA mortgages.
The Bad News First…
FHA mortgage insurance premiums are increasing. Again.
All FHA loans require mortgage insurance. FHA mortgage insurance is similar to private mortgage insurance except that it’s provided by FHA instead of a private insurance company.
Mortgage Banker vs Mortgage Broker
Posted Tue, 2012-03-27 08:59 by Emily Caryl
Consumers have many choices when shopping for a mortgage loan. Which bank or mortgage company provides the largest variety of mortgage programs and the lowest interest rates? To decide which option is best, it helps to first understand the differences between mortgage banks and mortgage brokers.
What’s the Difference?
A mortgage bank is a retail lender that sells and/or services mortgage loans. The mortgage bank provides the loan directly to the consumer and funds the loan with their own money at closing.
The Kids & The Happy Hippie Truck
Posted Mon, 2010-06-07 22:51 by Emily Caryl
I was at the Port Townsend Brewery last Friday night when four travelers walked in - kids in their early 20s, each of them shouldering backpacks. They saw me, ambled over, and asked if there was somewhere nearby to eat. "Yes," I said. "But you're here. You should have a beer first."
Canceling Private Mortgage Insurance
Posted Mon, 2010-04-26 10:34 by Emily Caryl
Giving Thanks
Posted Sat, 2010-11-27 11:10 by Emily Caryl
You might think, after a six month hiatus, my first new blog post would be something fantastic. Prophetic. Dazzling.
You might think I'd regale you with tales of epic adventure. Or offer implausible excuses for my long absence. Or that I'd beg for rescue from the dredges of loan files that litter my desktop. Or something like that.
But no. Instead, I offer one photo. One picture that epitomizes this week of giving thanks. One picture representative of this place we call home.
Caroline's First Birthday
Posted Tue, 2010-05-25 14:22 by Emily Caryl
My beautiful niece, Baby Caroline, celebrated her first birthday with a party last weekend. There was cake. There were presents. And there were many family members and friends in attendance to celebrate.
Below are pictures of Caroline and her friends.
Birthday cake made by Grammy and Mom.
Tall Ships!
Posted Mon, 2010-05-24 09:55 by Emily Caryl
If I had the opportunity to re-write my "Reasons to Move to Port Townsend" list, there is one item I would add: tall ships. When I see those graceful ships gliding across the bay, I can't help but fantasize about pirate adventures and centuries past. These pictures were taken Saturday, May 22nd, on Port Townsend Bay. The Lady Washington and Hawaiian Chieftan were ending their day of sailing.
Cinco de Mayo at the Port Townsend Brewery
Posted Tue, 2010-05-11 13:21 by Emily Caryl
The Cinco de Mayo celebration at The Port Townsend Brewery was the social event of the season. The Delta Rays entertained us with hours of danceable music. Bub's Tacos provided sustenance for the evening. Yummm... Tacos... And as always, Kim was absolutely stunning in all her birthday glory.
My apologies for not getting these photos up sooner. I've been busy shoe shopping. More on that later.
Road Trip to Portland
Posted Thu, 2010-04-22 11:05 by Emily Caryl
My favorite blog in the whole world is The Pioneer Woman. It's written by an Oklahoma ranch wife. She cooks, she cares for cows, she takes much better pictures than I do. And, last fall, she published a cookbook. At that time, The Pioneer Woman embarked on a national book tour. But she didn't come to the Northwest.
