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florida mortgage lenders: 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)
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florida mortgage lenders: Busting Florida Mortgage Myths - 04/04/11 11:21 AM
As a Florida mortgage banker, one of the debates that rage between two first time home buyers is whether or not it is cheaper to rent than to own a home. We hear it -- all the time.
While we know that it is typically cheaper to own, (after all, we're in the numbers game!) we still like to periodically test various markets and put theories to timely tests. I guess it's our version of "Mythbusters: Mortgage-Style!"
So we pulled a random sample from the Pinellas-West Pasco MLS in Florida and did a side by side analysis.
We took a three … (0 comments)
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florida mortgage lenders: Florida Mortgages and Making it Happen - 03/22/11 03:53 PM
Say what you want about the Florida real estate market, but from where I sit, these are some really good days. They are typically enjoyed when everyone does his or her job and delivers whatever paperwork or proof that's their responsibility to deliver so the gears remain greased and the show goes on.
This is not to say that Florida mortgage processes themselves are not without their challenges...one of them is getting FHA condo deals done. But you know what? They can get done if a mortgage lender steps up...and frankly, that's something me and my team pride ourselves on.
Case … (0 comments)
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florida mortgage lenders: Florida Mortgages: We Need to be Weather-Proofed - 01/10/11 10:37 AM
I've been meaning to write about this great post by Holden Lewis of Bankrate.com because he serves up a tremendously appropriate analogy about today's mortgage financing system and how it's just not designed for stormy weather. I'm not an advocate of change for the sake of change, or having an itchy trigger finger when it comes to responding to situations...see HVCC, THE quintessential over-reaction almost ever...
But putting shock absorbers into place that can move when the market fluctuates gives us the infrastructure that will get us the farthest. In the mid 2000's, we travelled to an insanely crazy place in … (0 comments)
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florida mortgage lenders: Florida Real Estate Facts - 12/14/10 10:59 AM
Because you guys know I have issues with all the bad information that gets dumped on the public...I am stepping away from the keyboard and joining some knowledgeable local resources for a forum to present the facts about Tampa Bay real estate. We will be covering such topics as:
The Top Ten Real Estate Misconceptions Getting Short Sale Representation for Free Why Title Insurance is Necessary How a Short Sale or Foreclosure Affects Your Credit Getting a Mortgage After a Short Sale or Bankruptcy Are Banks Still Making Loans? What Home Upgrades and Features Matter Most to Appraisers Selling Options if … (1 comments)
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florida mortgage lenders: The Real Estate Market has a Drinking Problem - 10/28/10 04:09 PM
One of my favorite quotes is attributed to a Scottish literary critic named Andrew Lang. Although he probably wrote it in the late 1800's it is still very relevant: "He uses statistics as a drunken man uses lamp-posts...for support rather than illumination."
As a Florida mortgage lender and a professional in this industry for many, many years, that quote rings in the back of my mind every time I have to slog through vats of stats and figures that are simply strung together, clarifying nothing.
The American Dream
There are many jaw-dropping numbers that get bandied about in this, our industry; … (1 comments)
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florida mortgage lenders: This Just In... - 10/22/10 08:43 AM
Talking heads, the media...whatever you call them, they're just not the experts in the real estate industry. They simply continue to dump information onto Twitter, blogs, and in their broadcasts with flashy statistics and bone chilling predications. It makes for news-worthy news I guess, but then why does confusion reign?
As far as the housing market, consumers are typically doused in detail that is neither given form nor context. For example, how can it be that two news sources cite completely opposite information in the same news day?
A headline in the Wall Street Journal on 9/23/10 stated: ‘Existing Home Sales … (5 comments)
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Brian P. Forrester
Palm Harbor,
FL
More about me…
VanDyk Mortgage
Address: 35095 US Hwy 19 N Suite 100, Palm Harbor, FL, 34684
Office Phone: (727) 216-8138
Cell Phone: (813) 361-6350
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