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Give this to your broker: The secret to our success! - 09/30/10 11:59 AM
Send this to your Mortgage Broker. I give this to all our new brokers and remind everyone regularly Secret to our success. You don't need to buy a "system" to get organized & create partnerships with local agents, Do it yourself.All it really takes is going back to basics, & investing in some quality hard work, and don't expect results overnight. It takes a little time to build.Here are some tips that can help you.Figure out what the agents need:1. they want you to be accessible. All the time, really.2. they want you to know what you are doing. Not your manager, (0 comments)
Disputes on credit continue to be a problem for borrowers - 09/25/10 11:40 AM
For some reason lenders aren't doing loans with clients that have even the smallest disputes on their credit; even if they owe nothing on the account. There is one lender I found that will make an exception, but that is only case by case and takes a bit to get approved. We have found several ways that we can remove the disputes, so call me if you have any issues with your loans, but the point is to make sure your broker is on the lookout for disputes. Hope this helps and have a great weekend!!! (7 comments)
Congress extended flood insurance!!! - 09/25/10 11:36 AM
Hello everyone, Congress extended the National Flood Insurance Program!! Wow, they did it ahead of time! Last time they let it expire for 4 weeks! What this means to you is that your broker doesn't have to worry about binding the flood insurance before September 30th.
Hope this helps!!! (3 comments)
Upcoming FHA MIP Changes explained - 09/16/10 03:32 PM
What does that mean? It's the mortgage insurance that is paid upfront and also monthly. This is how FHA loans have the lower mortgage insurance is by collecting part of the mortgage insurance upfront and then they can have a much lower payment than conventional mortgage insurance. This is what HUD is changing. HUD announced that they will be raising the monthly payments and lowering what the customer pays upfront. The main problem for you and the borrower is that the monthly payment goes up and they may not be able to qualify! The up front mortgage insurance is going from 2.25% to (3 comments)
Payment Protection for your customers www.rainydayfoundation.org Has a program for Mortgage Payment: Pays the lesser of 2500 or PITI for upto 6 months within the coverage period, usually 2 years. It starts after 60 days of closing, considered the vesting period. I believe it costs about 650 at closing and the seller or buyer can pay for it at closing. Coverage period depends on the program they choose. Slydial www.slydial.com
This is a service that connects you directly to voicemail, for clients or customers you simply have to leave a message (0 comments)
Important for realtors!!! Get your flood insurance before Sept 30th!! - 09/14/10 01:37 PM
"The NFIP is currently facing a Sept. 30 expiration, and trade groups are sounding the alarm as Congress returns for a month-long session" What does this mean to you, in plain English: If you are selling or buying a home in a flood zone and your buyer doesn't get flood insurance before Sept 30th, and congress doesn't extend the NFIP, ( National Flood Insurance Program ), then you will not be able to close until they extend it. Sounds simple enough for congress to do but last time they didn't extend it for almost a month....so all of my closings that (2 comments)
FHA 30 year fixed Perfect borrower: 4.25 Medium borrower: 4.375 Poor borrower: 4.49
Conventional/Fannie Mae 30 year fixed Perfect borrower: 4.375 Medium borrower: 4.875 Poor borrower: 5.375
Conventional/Fannie Mae 5/1 ARM Perfect borrower: 3.75 Medium borrower: not good Poor borrower: not good
Jumbo Loans Limited time 5.5 fixed for 30 years! Even foreign nationals!
Foreign National Call me. I can get them down to about 5.5% in certain situations. It all depends on what the LTV is and what country they are from.
IMPORTANT INFORMATION FOR BORROWERS AND REALTORS - 09/12/10 12:49 PM
ATTENTION BORROWERS AND REALTORS Every once in awhile there is an important quirk in how Fannie Mae, Freddie Mac and FHA do things... for some reason if you have any dispute on your credit it will either be denied or have to be done with manual underwriting. It's best to not have any disputes on there. If there is a dispute that is active and has a balance, it will be turned down, no questions. If there is a zero balance it will be manually underwriten with stricter guidelines. There are ways to get the dispute off so please look into (4 comments)
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.