Roger's Blog

I have gotten several clients in the last few weeks who are without a credit score and think they cannot get financed.  Furthermore, there is a certain radio talk show host who brags about haven a "zero fico score".  I expect to see more of this, so here's how to get financed if you don't have a ...

The new Mortgage Disclosure Improvement Act (MDIA)of 2009 goes into effect today.  It is designed to prevent borrowers from getting incorrect information at application and then being surprised at closing with un expected and undisclosed fees.  the main provisions of the act are:     No fees othe...

As a loan officer, i struggle many days to fit everything into my 9-5 world.  Sometimes there's jsut too many tasks to fit and I have to prioritize.  I break my tasks down into those which are high payoff, low payoff, can be delegated, and cant/shouldn't be delegated.  From there, I set each days...

I get asked more questions about credit than I do about interest rates. Many times its from someone with a credit issue or perceived credit issue and they're looking for reassurance about their credit. The FHA Mortgage program doesn't have a minimum credit score, instead it looks at the credit hi...