Author Archives for Thomas Bepko

About Thomas Bepko

Thomas began his mortgage career in San Francisco, California in 2003 after serving in the United States Army, and has over 10 years of experience in the mortgage industry. Contact Thomas by phone at 203-707-5728, or by email at [email protected] NMLS # 202157.

The Secondary Mortgage Market: What Happens to Your Mortgage After You Close?

The Secondary Mortgage Market: What Happens to Your Mortgage After You Close?

August 9, 2016 4:25 pm Published by Leave your thoughts

Fun fact: your mortgage lender—the bank or company that granted you your loan—probably isn’t cashing your mortgage payment check each month. That’s because almost immediately after you closed on your loan, they turned around and sold it. With the housing bubble that caused the recession still on everyone’s mind, it’s more important now than ever... View Article


talking finance with your partner

Talking Finance With Your Partner

July 26, 2016 12:34 pm Published by Leave your thoughts

In the US, no one really talks about their money. It’s taboo—impolite, embarrassing, rude. No one wants to sit at the dinner table comparing salaries and tax brackets. But when the time comes to buy a house, money talk is a necessary evil. Such conversations are critical to getting on the same page financially as... View Article


how to handle the house during a divorce

How to Handle the House During a Divorce

June 22, 2016 2:48 pm Published by Leave your thoughts

The path to a clean divorce is riddled with obstacles. If not handled correctly, a mortgage can be the last holdout linking your finances with your ex-spouse. Regardless of financials, divorce can be an exhausting and emotionally draining process. Now, what to do about it? As we noted in a blog post last year, refinancing... View Article


5 Myths Home Sellers Wish You Would Buy

5 Myths Home Sellers Wish You Would Buy

May 18, 2016 12:40 pm Published by Leave your thoughts

Whether you’re a seasoned veteran of the housing market or an ambitious first-time buyer, it’s extremely easy for a seller to catch you off-guard in the heat of a bidding war or distract you from asking the important questions. Below, we’ve assembled the most important things that a home seller might be hiding from you.... View Article


why you should be monitoring your credit

Why You Should Be Monitoring Your Credit

April 27, 2016 3:20 pm Published by Leave your thoughts

Credit makes life easier both on a day-to-day and long-term basis. For example, credit cards help pay for clothes and dinners out, while loans pave the way for large purchases like a car or house. No matter your age or situation in life, it’s important to understand the reasons to monitor your credit (and how... View Article