Mortgage Planning
A plan, not a pitch. Mortgage planning content for buyers, homeowners, and refinancers.
Unlocking Financial Freedom: Discover the Best Time to Repair Your Credit
Are you tired of financial stress and feeling trapped by bad credit? If so, it’s time to unlock your financial freedom by repairing your credit. A good credit score is essential for obtaining…
A Dark Side of Solar Panels for Home Buyers
How luck are you?! You’ve been pre-approved for your first home purchase, you find the perfect home, and it even has solar panels! Great news right? Maybe not. There’s a dark side of solar panels…
Week 6 Step 5 – Conditional Loan Approval & Prior to Doc Conditions
So here we are, you’ve been pre-approved. You went shopping. You found a home. You put in the offer and it was accepted. You’ve signed your Initial Disclosures. You’ve ordered and received the…
Week 5, Step 4: Ordering and Understanding Your Appraisal
So your offer has been accepted, the loan documents have been drafted, reviewed, signed and sent off to the lender. As we wait for your conditional loan approval, there is another pivotal element…
How to use a Reverse Mortgage to Buy a home
Most people know about using a reverse mortgage to refinance their home. But did you know that you can use a Reverse Mortgage to BUY a home? It’s true! This is the perfect solution for folks…
How we use creative strategies to save you the most money
Because nearly all of our business comes from word-of-mouth referrals or introductions from past and current clients, we don’t have a hyper-focused niche. In other words, we don’t advertise for a…
Week 4 – Step 3 Initial Disclosures
Congratulations, your offer has been accepted! They asked for some money, you offered them some money, now you get a home. Is that too much of an over simplification? I would think so. When you…
Memorial Day Thank You
At the GHG we serve a lot of Military families. From helping them relocate, to securing the financing possible to buy or stay in their homes, our lives are mutually impacted. The relationships…
Divorce Loans – Help when you need it most
We all know how important a home is to a family. It’s a place where memories are created and a sanctuary for growth and safety. Along with many other things, a divorce can disrupt this feeling by…
Interest Rates Hit Their Lowest Levels
Interest rates hit their lowest levels The average interest charged to borrowers for a 30-year, fixed rate loan fell to 4.21% from 4.29% last week, according to Freddie Mac’s weekly mortgage rate…
The Value of Our Partners – an Interpretation of the Fed Press Release
Another benefit of being a Broker is that we have resources beyond our own. Our lender partners spend way more money than we ever would on things like legal research, program analysis and market…
Where You Get Your Home Loan Matters
Whether buying or refinancing everyone needs a mortgage plan. Where you get your home loan matters and here’s why. There are Fannie Mae guidelines, Freddie Mac guidelines, and Federal Housing…
The Road to Your New Home – A Loan Series
Over the next several weeks, I will be going over the steps in purchasing a new home, from the home finance perspective. I will discuss every major step along the way, from the very beginning (the…
VA Loans Just got Better!
For those Veterans eligible for VA Loans I have some great news – VA Loans just got Better! If you’ve seen any of my videos or posts before, you know that I’m a huge advocate of the VA Loan. There…
Where Does The Current Market Stand and What Does it Mean to Me?
As a Mortgage Planner the number one question I get from people is “how’s the market?”. What people are really wanting to know when they ask that question is “where does the current market stand…
Get Ready for Non-QM Loans
Remember the second half of 2013 when we were looking forward to the release of the Qualified Mortgage guidelines in 2014? By “looking forward” I don’t mean to suggest we were wanting it. I mean…
FHAmazing!
How about this scenario; You lost your job, your credit is slowly declining and your house is worth 30,000 less then when you bought it? How good does a refinance sound at this point? Too bad it…
FHA vs 5% Down Conventional – Which is better?
As a Mortgage Planner my purpose is to help people navigate the options and benefits of loan programs. For purchases, and especially 1st Time Buyers, this can be particularly daunting. One of the…
How one homeowner is paying off his mortgage in just eight years
While many homeowners prefer the safety and comfort of the lower monthly payments that come with long mortgage terms, like a 30-year loan, others opt for shorter-term loans that allow them to get…
No Mortgage Insurance For Those With Less Than 20% Down – Where is Your Mortgage Plan?
No mortgage insurance for those with less than 20% down? Really? Yessir. In a rate-rising environment we are seeing the evolution of lending reveal how lenders are being more creative and…
Is it really hard to get a loan right now?
Ahh, the question I get so often… It seems to be what’s on everyone’s mind. Is it really hard to get a loan right now? If you want a a yes or no answer here it is… It Depends. Here’s why – Loans…
$25k for First-Time Home Buyers in El Cajon
The City of El Cajon’s Housing Division administers several housing-related programs, one of them being the American Dream First-Time Home buyer Program. It was launched in 2005 and this year has…
VA Loans Are Still The Best
VA loans are still the best financing option out there and in my dozen years as a Mortgage Planner there is no loan I enjoy originating more. Recently, we’ve seen even more enhancements to this…
Fannie Mae Cash Incentives Program
If you are planning to shop for a home in the next few weeks, here’s an early spring buying season come-on that just might save you money if you qualify. Fannie Mae, the largest mortgage investor…
Move from reading to doing.
Book a consult with the GreenHouse Group.