arizona mortgage lender: Commissions lost as Real Estate Professionals lose control - 09/11/09 12:11 PM
Attention Real Estate Professionals: I have something important to share with you that is happening in the real estate world; and you need to know!
Your hard earned money is getting thrown out the door. Commissions are getting lost, your valuable time is being wasted and complaining isn't fixing the problem.
… (4 comments)
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arizona mortgage lender: Getting a mortgage loan in today’s market - 08/27/09 01:06 PM
I'll be honest; the entire process of purchasing a home is not fun. Having your teeth pulled by a dentist may be more comfortable than getting a mortgage approval these days. When I am asked about my system, I make it clear the more that is accomplished early on will make … (5 comments)
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arizona mortgage lender: As Mortgage Guidelines Tighten Professional Advice is Critical: - 08/13/09 03:33 PM
The days of choosing a mortgage professional based on a personality test and box of donuts in your real estate office is changing. Today with the tightening mortgage guidelines, having a mortgage professional who can review credit, employment, debt to income ratios, calculate assets, document the file and make sure that … (12 comments)
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arizona mortgage lender: FHA: The Good Neighbor Next Door Program - 11/04/08 12:27 PM
Attention Police Officers, Firefighters, Teachers and EMT's. If you are in the market for a home you need to be aware of this specialized FHA loan program through HUD called the Good Neighbor Next Door Program. I am helping a couple of teachers right now with this loan and the outcome … (4 comments)
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arizona mortgage lender: And You Really Thought You Can’t Get a Home with $100.00 - 08/29/08 06:45 PM
My speciality for the last 3 years has been primarily to focus on helping 1st time home buyers make the dream of home ownership a reality. Wow what a cliche I just said. Anyhow my question of the week from many real estate agents is: How am I going to help buyers … (17 comments)
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arizona mortgage lender: Mortgage Financing Tips When Buying an Investment Property: - 08/16/08 10:59 AM
Prices are finally starting to bottom out in most of the best areas around the Greater Phoenix Market and investment opportunities with positive cash flow are easy again for come by. In the last 30 days I am once again getting calls from investors who would like to buy at the … (3 comments)
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arizona mortgage lender: The Amortization Schedule: An Old Fashion Way of Creating a Savings Strategy - 07/13/08 11:45 PM
The Amortization Schedule was good for our Grand Parents and Parents, so why have so many consumers moved away from the fundamentals? To answer this question, we must dig in a little deeper of what strategies are available in the first place.
When it comes to building wealth using your primary … (11 comments)
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arizona mortgage lender: Know the Real Facts about Adjustable Rate Mortgage (ARM) Resets - 07/06/08 03:01 PM
This morning I read an article in the The Arizona Republic titled: "Arizona rate increases to peak in July". To paraphrase this article quickly, it basically states that Arizona homeowners will be faced with higher foreclosures due to the number of Adjustable Rate Mortgage that are about to reset.
Let me … (8 comments)
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arizona mortgage lender: Lender Fallout: Finding the Right Mortgage Lenders to Pick Up the Pieces - 07/02/08 01:26 AM
For once I picked up the paper and my local rag of a newspaper finally printed something about the mortgage business that was worth talking about. The Article was posted in The Arizona Republic titled: Finding lender you can count on then, I realized that it was not a new article … (2 comments)
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arizona mortgage lender: Does your Closing Agent make Housecalls? - 06/20/08 01:57 AM
It's funny how many vendors we are approached by each day stating that have the latest and greatest. Heck my competition is great at this. They like to announce to the real estate agents how they can deliver on time and how their service is better than the next guy, blah, … (2 comments)
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arizona mortgage lender: It's really difficult to time the real estate market and interest rates - 06/04/08 02:11 AM
Lately I have been getting many calls from buyers who ask me if now is a good time to purchase real estate.
My simple answer: It really depends on your unique situation. If you are one of those folks out there that is trying to time the market perfectly to get the … (0 comments)
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arizona mortgage lender: How to Avoid Credit Hijacks from Mortgage Lenders and Protecting Your Privacy - 05/30/08 12:56 AM
Have you ever applied for a home loan with a trusted mortgage lender just to have some other mortgage company call you within minutes offering you the same loan?
If you have: You have been a victim of what I consider an unethical but legal practice in the mortgage industry called "Credit … (3 comments)
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arizona mortgage lender: Is the LSR (Loan Status Report) Pointless? - 05/24/08 04:16 AM
WARNING THIS POST IS FOR ARIZONA REAL ESTATE PROFESSIONALS ONLY
Unfortunately in the State of Arizona Loan Originators are not required to be licensed. This then trickles down to the professional integrity and honesty of that individual loan officer and the company they work for of who is the burdened party to … (2 comments)
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arizona mortgage lender: Tempe Mortgage Lender for First Time Homebuyers - 05/24/08 03:36 AM
Are you looking to buy your first home, but do not understand the process? Are you needing funds for down payment assistance? Were you turned down by other lenders who do NOT specialize in these types of loan programs? Well look no further, you have come to the right person to help you. I have … (0 comments)
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arizona mortgage lender: The Best Mortgage Alternatives in the Declining Arizona Desert - 03/06/08 03:45 PM
Lately, I feel that I have beating a dead horse over here with all the changes due to a declining housing market. Our lending environment has became so tight that good borrowers feel that there are really no options to help them get into a home today.
Recently the mortgage guidelines have become more … (5 comments)
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arizona mortgage lender: Is your ARM (Adjustable Rate Mortgage) Really Broken? - 03/02/08 11:33 AM
I wanted to talk about some situations that have been coming lately that has lead me to believe that the average "Joe Borrower" is still not aware of yet.
If you think your ARM (Adjustable Rate Mortgage) is BROKEN and this is going to cost your payment to skyrocket, you might be completely … (4 comments)
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arizona mortgage lender: Adjustable Rate Mortgages a Smarter Alternative for the Savvy Borrower - 02/10/08 04:32 AM
In the Last 24 months, the popularity of the adjustable rate mortgage plummeted. With the inverted rate curve, it just made better sense for a mortgage lender to advise a client to stay far away from this product. When you could get a better rate on a longer term note that would not adjust … (9 comments)
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arizona mortgage lender: Financial Literacy Starts with a Family Budget - 02/06/08 12:11 AM
We are all feeling our pocket books being pinched in so many different way these days. The economy might be heading into a recession, costs of goods are increasing, gas prices are at an all time high, and for some homeowners it just getting tough to make ends meet.
Recently I … (10 comments)
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arizona mortgage lender: Subprime Lending Wearing Conforming Camouflage - 02/05/08 10:48 PM
Sometimes conforming mortgage guidelines just do not fit into every deal. This is where sub-prime lending comes into play. Even in our tightening mortgage environment sometimes an alternative bank can place a difficult loan. Today I called a sub-prime bank to find out if they can lend on a hard to … (0 comments)
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arizona mortgage lender: With Interest Rates Coming Down, Should I Refinance My Mortgage? - 01/14/08 11:25 AM
In the last couple of weeks, interest rates have been at the lowest point that I can remember since September 2005. Recently, I have been locking my clients rates at around the 5.625%-6.00% range.
Now the question is: "Should YOU take advantage of these Low Rates and Refinance your Home Mortgage?"
Here are some great … (6 comments)
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