#mortgages
Every Field Note tagged #mortgages. 58 posts · page 2 of 3.
← Back to all Field NotesIncome, How You and the Lender Might Not See Eye to Eye
Income, How You and the Lender Might Not See Eye to Eye Income. It seems like a straight forward concept, you make money, you report it on your taxes. That’s your income, right? Well, not exactly…
The Importance Of A Pre-Approval
The Importance Of A Pre-Approval On a Purchase, being Pre-Approved can be the difference between you getting your home and you falling out of Escrow. Especially in today’s market, where you have…
What We Do, And How We’re Different
What We Do, And How We’re Different People often ask what I do, and when I initially tell them I am in mortgage planning for residential Real Estate, I often get the same dull, unenthused “oh”…
Lending Guidelines Are Changing, What That Could Mean For You
Lending Guidelines Are Changing, What That Could Mean For You Lending guidelines are constantly changing, and as of recently, most changes we have seen have been to the benefit of the borrower…
Reverse Mortgages – How they Changed This Week!
Reverse Mortgages – How they Changed This Week! Hey There Greenies! So if you’re reading this post you are probably in the market for a reverse mortgage. Well, some things happened with Reverse…
No Appraisal On A Refi?! No Problem
No Appraisal On A Refi?! No Problem There are a couple great loan programs out there that allow you to pursue a refinance without some of the traditional caveats that normally accompany a home…
Asset Rich and Income Poor? You May Still Have Loan Options
Asset rich and income poor? Well, don’t write off qualifying for a loan just yet, because you may still have some loan options. There are a couple programs out there that now cater to those who…
What To Look Out For When Purchasing Or Refinancing A Home
Last week I spoke a little bit about what to look out for when purchasing or refinancing a home in regards to filing your taxes. This week it’s the same idea, but I’m touching on a short list of…
What FHA and VA Buyers Need To Know
Thanks to some of my wonderful news clients that are FHA approved home buyer’s, the topic of finding an “attached” home, aka; Condo or Townhome, came up recently. I figured that if they had…
What Documents You Need For Financing, And What To Look Out For
Recently someone had asked me what documents you need for financing other than taxes and paystubs? This might seem like an obvious question, but if you haven’t been in the market for a refi or a…
On The Mortgage Vs On The Title, What You Need To Know
A friend of mine recently got married. Her husband had owned the house they live in before they got married, and now she wants to know if they have to refinance in order to own the home together…
Increasing County Loan Limits, And Why You Care
2015 New County Loan limits have been announced and guess which county was one of the lucky 46 county’s that had their loan limit increased? I’ll give you a hint, if you’re reading this blog post…
What Makes My Homeowners Insurance Go Up?
What Makes My Homeowners Insurance Go Up? My friend Olivia asked me, “Is homeowners insurance like car insurance? You know like, if you have a faster car, or it’s the color red, your insurance is…
How Many Times Can You Refinance?
How Many Times Can You Refinance? Well the truth is, as many times as you want. If you want to refinance every time the interest rates drop, for the most part, you can. I dove a little deeper into…
Autonomy – Our Greatest Gift To You
As a Mortgage Planner I’m familiar with the ever-growing stack of disclosures that our clients must sign when applying for a loan. While these disclosures are for their protection as consumers it…
DIY Home Buying, Is It Cheaper?
I think it’s a common misconception that if you If you buy your home on your own, it’s going to save you money. DIY Home buying, is it cheaper? The answer is very likely “no.” On the mortgage…
Shark Week!
Shark week has come and gone for 2014 and thankfully here in San Diego we all still have our limbs intact. Other enhancements to our well-being are in the home-loan lending world as lenders are…
Short Sale? Right Now Just Might be the Right Time!
Short Sales, they happen. And if they happened to you in the last few years this post is for you. On Aug 15th the seasoning requirement will go from a 24 month period in some cases to a mandatory…
Credit-Worthy Borrowers on the Sidelines?
Occasionally we find ourselves in unexplainable situations earnestly looking for answers and what we find is a series events that lead to these situations but they don’t necessarily provide any…
What You Need to Know About Taxes and Usable Income
What You Need to Know About Taxes and Usable Income Death and taxes. I think you know where I’m going with this. And if you were one of the people that thinks you might have the latter beat, this…
Loan Programs, What’s Right For You?
Thinking about buying a new home? Wondering what type of loan to get? Probably not. To be honest when people are buying a home, generally the type of loan they get is an after thought. But the…
Many potential homebuyers don’t realize they don’t need a big down payment
Many potential homebuyers overestimate the size of the down payment required to finance a home purchase, according to Fannie Mae exec Christina Boyle. On average, consumers believe they need 11 to…
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…
Part 3 – The Pre Approval
So here we are, at your pre approval. We’ve discovered your “why” and formulated a strategic mortgage plan around your priorities and motivations. Now it’s time to get things going. The first…
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