aaron reno: Realtors: Pre-qualify your own borrowers and advise them on their tax write-offs FREE!!! - 08/02/08 02:39 PM
What can this FREE Chart Do?
1) Calculate monthly PITI payments2) Calculate interest-only payemnts3) Automatically calculate approximate mortgage insurance.4) Calculate DTI (debt-to-income)5) Calculate approximate tax write-offs for home ownership6) And much more!!!
Hello everybody,
I have just UPDATED my awesome qualification chart with the capability to CALCULATE APPOXIMATE TAX WRITE OFFS … (1 comments)
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aaron reno: FREE Loan Qualification Tool for Professionals and Clients! - 07/24/08 09:16 PM
Do not waste another minute showing properties to unqualified borrowers!
Hello everybody,
I have just totally revamped my website www.IntuitiveLoans.com and I thought that all real estate professionals and home buyers would be interested in an Excel spreadsheet I've created. It's taken about a year to get it into its … (1 comments)
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aaron reno: Earn Gifts - I'm Looking for a Lender for a 15M, Full Doc, OCC, 60% LTV Loan! - 05/08/08 05:03 PM
Hi Everybody,
I need your help!
I've got a couple of really nice leads for residential loans. One is 8M and one is 15M. They are both 60% LTV and full doc. I know these leads are real because I just closed a 2.3M and 5.025M loan given to me by the same … (3 comments)
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aaron reno: TIME FOR FHA? - 03/25/08 11:56 PM
Hello again,
With the industry changing daily (sometimes twice daily), I wanted to give everybody a heads up as to where we stand right now. FHA loan limits have been increased for the rest of 2008. This means that you can purchase a home that is 700K+ in some areas with only … (1 comments)
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aaron reno: Zero Point - Zero Cost Refinances - 02/07/08 09:06 PM
Recently, the #1 question that I have been asked is, "Should I refinance my property while rates are low?"
How can you tell if the benefits of the monthly savings out weigh the cost? As I am fond of using actual figures to demonstrate my view point, please allow me to … (1 comments)
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aaron reno: SELLING AND BUYING SIMULTANEOUSLY - 01/13/08 02:44 PM
I have been approached my many people recently for advice on whether or not to wait for the market to "bottom out" before they buy their next house. These clients wonder if it would be more beneficial to move now or to wait for a better (different) market.
These questions can only … (3 comments)
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aaron reno: Declining Values in California and Florida! - 01/05/08 06:44 PM
Hi again from Intuitive Loans!
As you may have become aware, many lenders are now requiring 5% of the purchase price of a home to come from the borrower. Lenders want to make sure that the borrower has some of their own money invested in the property. This helps to insure that … (1 comments)
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aaron reno: USING YOUR HOME AS AN ATM - 12/30/07 04:39 PM
Hello again and thank you for stopping by!
Today, I wanted to share my views on using your home as an Automated Teller Machine. Over the past decade, more and more families have been pulling equity out of their home in order to make purchases and investments. While there are many view … (2 comments)
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aaron reno: GREAT REAL ESTATE MARKET IN 2008! - 12/16/07 02:14 PM
Hi again from Intuitive Loans,
With all of the negativity surrounding and permeating the real estate and mortgage industries today, I wanted to share my thoughts and perspective. Rather than write a long and drawn-out thesis, I'll summarize today's thoughts in the following 10 bullet points.1) The more real estate professionals that … (3 comments)
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aaron reno: INTRODUCING AARON RENO - 10/27/07 03:39 PM
Aaron Reno Aaron Reno has been working directly and indirectly with computer technologies and real estate throughout his career. Most recently, Aaron utilized his computer skills to develop company-wide systems at a multi-million dollar literacy company for children ages K-12. After completing his undertaking in the field of education, Aaron then … (2 comments)
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aaron reno: REAL ESTATE DISCLOSURES - 10/27/07 02:58 PM
How Much Should the Seller Reveal?Sellers should always respond honestly to buyers' direct questions about the condition of the home. Real estate studies have shown that disclosing defects rarely compel an interested buyer to turn away from the deal. In fact, in most situations the defect becomes a negotiating point when … (2 comments)
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aaron reno: PRIVATE MORTGAGE INSURANCE - 10/27/07 02:58 PM
What is Private Mortgage Insurance?Private mortgage insurance, or PMI, is the safety net of the lender. PMI benefits lenders because it guarantees payment on the balance of loans not covered by the sale of foreclosed properties.
If a borrower makes a down payment of 20% of the cost of the home, … (0 comments)
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aaron reno: CREDIT SUICIDE - 10/27/07 02:56 PM
By: Chris Brown
Credit Suicide?Few things influence the home buying process more than your credit. I like how Clark Howard refers to the three credit repositories as, "the three screw-ups". There is some validity to that, and hopefully recent legislation will help clean up many of the inaccuracies. Regardless, lenders need … (0 comments)
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aaron reno: CAN YOU AFFORD A HOUSE? - 10/27/07 02:56 PM
Can You Really Afford a House on Your Salary?Although buying a new home may seem like an American Dream or romantic venture, the reality is that the house you can afford depends on your current income and debt obligations. You must be able to pay your mortgage, satisfy all your current … (0 comments)
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aaron reno: BANKRUPTCY VS. FORECLOSURE - 10/27/07 02:55 PM
About ForeclosuresAlthough it is preferable to avoid bankruptcy, it is even better to avoid foreclosure. Foreclosure is the legal process whereby property is repossessed and sold at auction to cover the costs of an unpaid debt. This is usually the result of a homeowner defaulting on mortgage or loan repayments. The … (0 comments)
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aaron reno: CREDIT SCORE TRUTHS AND MYTHS - 10/27/07 02:54 PM
There are several very important truths about your credit score.
Truth #1: Your credit score is the single most important factor in determining whether you will get approved for a mortgage, car loan, refinance loan, or credit card.
Truth #2: Your credit score affects your APR. If your score is low, you will … (0 comments)
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aaron reno: EVERYTHING IS NEGOTIABLE - 10/27/07 02:53 PM
Introduction to NegotiatingIn the United States, we are not used to negotiating a price for our everyday purchases. However, when you are buying a home, not negotiating the sellers' asking price may mean paying more than the home's fair market value. To avoid feeling that you paid too much, you must … (2 comments)
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