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Top provisions of the new bill according to NAMB - 07/31/08 02:59 PM
Here is the scoop and point of view direct from NAMB on the new bill that was just passed. I am still thinking everyone has a take on this bill but this is the best laid out details of it i have seen yet.
Client disregard will kill your company! - A tale of two title companies - 07/30/08 08:31 PM
It is the little things that make a difference ~~~~ My company recently closed a purchase deal with a local ReMax where the listing and selling agent both worked. These guys were pros who have outlasted the masses and whose reputation was impressive. As a mortgage company we did everything right. Stayed in touch the whole way, delivered on our commitment to the client and most of all, provided a Hud three days before settlement and had the funds in the title companies bank account the day before. Closing went great and we won both these agents blessings. At closing, my (14 comments)
Credit Card ripoffs!! Bank of America does not care! - 07/29/08 06:58 PM
Excuse me while I vent a bit ---- I own a mortgage company. I understand how to manage credit. I understand how to maintain a good credit score. I now understand and realize that credit card companies should anticipate and deserve an unprecedented number of defaults, the most in the history of credit cards. let me take a minute an explain...... I feel that I utilize my available credit as good as anyone out there. When cash flow is low, I access my available credit. When my revenue increases and cash becomes available, I pay off my credit in full. I (21 comments)
FHA reform - is it smoke and mirrors? - 07/29/08 01:04 PM
As the reform bill becomes a bit more clearer every day ------- Let's take a look at this scenario - client calls up and says this is my situation and seems to fit into the reform act or whatever you want to call it. As a trusted mortgage broker, it appears i must send them back to their current lender. There is not one thing i can do as a broker to help. When they get to their lender, it seems the lender can choose to move forward or not. And I would have to believe regardless of the bills guidelines, (3 comments)
During the loan application of any refinance, at some point we ask the question, “ what’s your house worth? ” I typically ask my refi prospect that question a few different times and a few different ways. It is that important. Credit and income play a part in the approval process but so does loan to value or LTV. I ask my prospect Henry Jones how much how much is his house worth. He tells me $450,000. Ok, next question is when did you buy it and how much (4 comments)
WARNING!!! RATES ARE HEADED UP!!! Rates that were in the upper 5% range just a few weeks ago could very possibly be in the 7% range by the end of this month and many experts anticipate interest rates in the double digits in the future. Of course all the experts could be wrong and rates could dip down yet again, but if they do I believe it will only be temporary. Eventually, rates will turn upwards..... Keep this in mind as well: There is no such thing as - "What is (6 comments)
Listen up everyone --- This program is here today and just like every other program in this crazy mortgage industry can be gone tomorrow. FHA will allow 85% cash out on loan amounts up to $729,000. Yes that's right - FHA. These loans are offered at very competitive interest rates. They offer liberal underwriting and allow credit scores down to 620. No reserves are required. Compare the cost of a typical Jumbo loan to a Jumbo FHA loan and (1 comments)
There are a few simple ways to cut costs immediately. Review your bills with a fine tooth comb. I recently examined my Direct TV bill. I noticed I was leasing my three receivers. Leasing?? I paid $299 for those bad boys. Well when I called customer service they informed me that was the lease price and the price to purchase those receivers was actually $695. Awful nice of them to tell me the little detail that they were leases when they called and offered me an upgrade. I wanted to cancel (11 comments)
Here is the deal: A true loan commitment will include the following. 1) - Income verified with W 2's and most recent paystubs 2) - Assets verified with most current bank statements 3) - a complete three bureau mortgage credit report pulled 4) - approval of the loan through some sort of automated underwriting ie... DU / LP
Realtors - if loan commitments from you current lenders you use do not include verification of the above, they are (3 comments)
So you ask your local mortgage banker – how much is this loan going to cost me?? When you advised the total costs for the loan you get that deer in the headlights look. Man, you guys are too damn expensive. I am shopping this deal some more.
Let’s take a close look at the breakdown of a good faith estimate and the true “charges” to complete a loan.
Section 800 - ITEMS PAYABLE IN CONNECTION WITH LOAN: This section includes charges for processing, underwriting, appraisal, credit report, loan discount and any “upfront” points. This is (0 comments)
He has experience and contacts. He also has a big time dilemma. Just for this example, i will refer to my prospective employer as Bob. Bob made lots of money during the heyday of the early to mid 2000's just like many a broker. Bob didn't save as much as he wanted. Bob spent a little more than he thought he did. bob didn't care because the money kept pouring in. Bob went through a nasty (6 comments)
1) - Is your company approved to originate FHA, VA and USDA loans?2) - Do you process your loans in house?3) - Do you have the flexibility to shop multiple investors?4) - Will I be dealing with high quality industry experts or just passed off to an order taker?5) - Will you supply a good faith estimate with no up front fees?
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.