Author Archive

Sourcing

Avoid “Sourcing” and “Seasoned” funds stresses   If you’ve applied for a loan recently you’ve probably realized that the mortgage industry is not what it was a few years ago. Seven or eight years ago it was much easier to get a mortgage without much worry of documentation to prove where your funds for closing Read More »... Read more ›


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Identity Theft

Identity theft is a type of fraud committed or attempted using the identifying information of another person without their authority. Your Identifying information is any name or number used to identify you. Such as: any version of your name, social security number, date of birth, or government issued number like a passport or driver license. Read More »... Read more ›

Identity theft

Reasons to Refinance

Reasons to Refinance There are a few reasons why people consider refinancing their homes. Understanding the reasons for wanting to do so can help determine if refinancing is right for you. Every household has a different situation and some scenarios dictate the right time to refinance and when it’s smarter to wait. The benefits of Read More »... Read more ›

What You Don’t Know About Your Credit Can Really Hurt You

Your credit score means everything in the mortgage lending world. Credit Reports show that close to one in four Americans have never checked their credit report. Never? Are you kidding me?  This report contains important information about a person’s credit history and ability to be financially responsible, including credit cards (revolving debt history), mortgages, and auto Read more ›

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Advantages & Disadvantages for Mortgage Terms / Loan Types

WHAT ARE THE ADVANTAGES/DISADVANTAGES FOR EACH MORTGAGE TERM?  30 Year Mortgage:   This term is good for those that want to keep their monthly payment low.  Keep in mind the older we get the longer we’ll need to work to pay this long term loan off.   This can be a disadvantage to those that want to Read More »... Read more ›

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Why Customer Service?

Why Customer Service? As I have worked for different companies and job-types, there is always one thing that I find being emphasized at each job, no matter how different, that thing is customer service. I began to wonder why it is emphasized so much in all different job types, and so I decided to look Read More »... Read more ›

Cash Out Refinance

Historic low rates With rates at historic lows, refinancing home mortgages is proving to be beneficial to homeowners by saving them money on their mortgage payment. Many are also enjoying the benefits of a cash-out refinance. A cash-out refinance is a mortgage loan that gives cash to the borrower from equity in his or her Read More »... Read more ›

The Truth about Conventional Loans

  Definition:  A conventional mortgage is a mortgage loan that is a loan secured by a real property through the use of a mortgage note which evidences the existence of the loan and encumbrance of that realty through the granting of a mortgage which secures the loan. When you apply for a conventional loan there Read More »... Read more ›

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