This time of year, I think a lot about light even more so than at all other times of year. I like the word, because it’s a homonym, (light, as in “bright light”, and “light”, as in not “heavy”). Light is so important to digital imagery. You might say that’s all digital imagery really is, … Read more

Qualifying for a Home Loan

What do banks look at? According to Freddie Mac, it’s the 4 C’s: Capacity:Your current and future ability to make your payments Capital or cash reserves:The money, savings and investments you have that can be sold quickly for cash Collateral:The home, or type of home, that you would like to purchase Credit:Your history of paying … Read more