Down Payment Assistance is the Ultimate Coupon - 01/26/12 09:34 AM
If Extreme Couponing can be a reality show, just think what some down payment assistance can do for your real reality. Both Pasco and Pinellas counties in Florida have revamped their programs and have rolled out some really impressive down payment assistance from their respective counties.
Pasco County’s down payment opportunities can range from $20K to 30K while the program in Pinellas ranges from 5K to 20K. What makes these programs even more attractive to home buyers interested in living in Pasco County is that the qualified properties have been rehabilitated and remodeled and probably require very little to do in … (0 comments)

Don’t Play Chicken with Your Creditors - 01/19/12 02:48 PM
In a perfect world I would tower over most at an imposing height of 6’5”. In that same perfect world potential home buyers wouldn’t have to contend with credit disputes. Lately I’ve seen a lot of hiccups in mortgage processing with Fannie, Freddie and FHA due to judgments and liens and even minor credit disputes that hold up the works.
These are the types of “gotchas” we must get our arms around as soon as possible. It’s one of the many reasons I conduct such a thorough consultation/investigation when I first meet with a client.
The Mortgage Process is Like a … (1 comments)

Florida Mortgages and The Loch Ness Monster - 01/11/12 09:01 PM
Despite the veritable murkiness of the rules regulating the mortgage industry, every week I get asked the same questions from Realtors about down payments. So every week these questions just reinforce the fact that there’s still confusion and that the mindset that “FHA is the only way” still exists.
In the wonderful world of mortgages everyone’s story is different and things are not always what they appear to be. Ironies exist. The assumption that you’ll come out ahead by financing with an FHA mortgage is not necessarily true.
Conventional loans with 5% down do exist and are still the gold standard … (0 comments)

Thank You Santa! - 01/05/12 08:40 PM
Well I got my Christmas gift early and it came from Mozy.com.  Everyone knows how I love me some technology, especially when one acts as a defense against the frailties of another! There’s no functioning without technology, but there are ways to arm yourself against these necessary evils.
What happened this time was the nose dive of my hard drive – although it was the one where I keep all my non-confidential data…gone were my go-to docs, my cheat sheets, form letters and computation spreadsheets. Or at least they could have been had they not be safe and secure beyond the … (6 comments)