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mortgages: Build Your Business on Substance and Results - 05/05/11 09:29 AM
Build Your Business on Substance and Results
By Margaret Kelly
RISMEDIA, May 5, 2011-With the market we have today, consumers desperately need an experienced real estate agent for the largest financial transaction most of them will ever make. They want to know they're working with a skilled, trusted professional who's capable of closing sales.
So how do you display your experience and expertise? In the long run, your track record of results and your solid reputation are all that matter. Help consumers see the difference you make for buyers and sellers.
Productivity MattersAgents who say sales statistics don't matter probably aren't … (1 comments)
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mortgages: Top Five Do's and Don'ts of Credit (Week 2) - 10/18/10 03:24 PM
Top 5 Do's and Don'ts of Credit (week 2) Excerpt from Credit Academy Blog
Maximizing your credit score isn't easy. Last week's blog article talked about all of the things that you should strive to do on your credit to give you the highest possible credit score. This week, we are going to dive into the things that you should avoid doing on your credit. These things will definitely decrease your score. So, they should be avoided at all costs.
Top 5 Things to Avoid Doing on Your Credit
1) Do not hire a company that charges you monthly fees! You … (0 comments)
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mortgages: Top Five Do's and Don'ts of Credit - 10/11/10 01:56 PM
Top 5 "Do's and Don'ts" of Credit Blog excerpt from the Credit Academy There are so many things that you can do to maximize your credit score. And, there are so many more that could hurt if you do them at the wrong time. This week we will talk about all of the things that you can do to maximize your score and next week we will dive into the things that you should avoid. Top 5 Things to Do to Maximize Your Credit Score1) Work with a knowledgeable and reputable company. There are many things you can do on your … (0 comments)
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mortgages: FHA Gives Home Buyers One-Month Window - 09/01/10 09:27 AM
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mortgages: N.C. Has 2nd Lowest Mortgage Closing Costs - 08/18/10 08:42 AM
North Carolina boasts the second lowest mortgage closing costs in the United States, says a survey released Monday by Bankrate.com. The study found that on a $200,000 loan, North Carolina homebuyers pay an average of $3,255 in closing costs - $1,476 in origination fees charged by the lender and $1,779 in average title and third-party fees. North Carolina, Arkansas and Iowa are the only three states with average closing costs at least 25 percent below the national average of $3,741. Closing costs in New York easily are the country's highest, at $5,623. Texas is second, at $4,708, followed by Utah. Source: … (1 comments)
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mortgages: Fannie Mae Changes Criteria for Purchasing and Securitizing Adjustable-Rate Mortgages - 05/07/10 09:23 AM
RISMEDIA, May 7, 2010-Fannie Mae recently announced new standards for the purchase and securitization of adjustable-rate mortgage (ARM) products. The company is changing eligibility criteria to protect consumers from potentially dramatic payment increases and to help ensure that borrowers who hold these types of mortgages can sustain them beyond the initial interest rate period.
"Our goal is to make sure consumers can sustain their mortgages and remain in their homes over the long term, while helping our lender partners offer a range of mortgage products for qualified borrowers," said Marianne Sullivan, Senior Vice President of Single Family Credit Policy and Risk … (1 comments)
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mortgages: 5 Reasons Why Refinancing May Be a Good Option Now - 02/04/10 08:04 AM
RISMEDIA, February 4, 2010-Mortgage experts from Bills.com, one of the leading resources for free, objective and expert money advice, advised that consumers considering a home refinance should begin the process now. Further, the company reported that the most frequently asked question of its Ask Bill expert advice center concerned home refinancing rates and recommendations.
"Market conditions have aligned to make this a perfect environment for home refinancing," said Ethan Ewing, president of Bills.com. "Low rates and compelling opportunities to refinance into shorter term loans have arrived at the same time as large consumer demand."
Ask Bill is a free service that … (0 comments)
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mortgages: Home buyers should pay attention to IRS Form 4506-T - 10/12/09 07:51 AM
Home buyers should pay attention to IRS Form 4506-T
Not just a harmless part of the paper blizzard, it potentially exposes otherwise confidential personal financial information to unknown and uncontrollable numbers of people.
By Kenneth R. Harney
October 11, 2009
Reporting from Washington - You might assume it's just another boring-looking piece of the paper blitz you're hit with when you apply for a home loan. But given IRS Form 4506-T's new prominence in the fraud-shocked mortgage market, it's much more than just another document to sign.The form authorizes a loan officer or mortgage investor to get electronic transcripts from … (0 comments)
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mortgages: Agents, Don't Get Caught in This Time Trap! - 07/23/09 03:26 PM
Just when you thought you knew the business and what is happening in the business, a new regulation gets implemented that very few agents are aware of and that will impact our business. The Housing and Economic Recovery Act (H.E.R.A.) requires that lenders provide the borrower with a Truth-in-Lending statement (nothing new) and that the borrower has 3 days to review it and no fees (other than credit report) can be collected from the borrower until the review period is over. Assuming the lender sends this out immediately, 3 days are allowed for mail and 3 days are allowed for review, … (3 comments)
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mortgages: There Is No Reason To Wait - 04/10/09 05:12 PM
In the real estate market there is a learning curve virtually every day. At RE/MAX Preferred Associates, we do everything we can to keep our agents and our clients updated so they can give the best advice or help our valued clients make the right decisions when leasing, buying, selling, or investing in real estate. To that end, recently Fannie Mae's Chief Economist, Doug Duncan was a special guest at the quarterly meeting of RE/MAX Gateway in Fairfax, Virginia which is owned by Scott MacDonald a respected friend and business man. Scott has been generous enough to share Mr. Duncan's presentation … (0 comments)
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mortgages: NOW is the time to buy a home in Raleigh - 02/27/09 05:34 PM
Are you debating buying a home? Now is a good time to buy. Interest rates are the lowest they've been in 37 years and the Raleigh housing market is healthier than most major cities. (See Friday, February 20, 2009 Blog)
Don't feel discouraged by the new mortgage guidelines for 2009. As in the past, lenders are looking at your credit score, debt-to-income ratio and the amount you can afford to put down. The higher your credit score, the less debt you have and the more savings you have may increase your chances of getting a better rate.
Allow plenty … (0 comments)
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Grayson Hodge
Raleigh,
NC
More about me…
RE/MAX Preferred Associates
Address: 7101 Creedmoor Road, Suite 115, Raleigh, NC, 27613
Office Phone: (919) 676-9766
Cell Phone: (919) 247-0477
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