Real estate blog entries tagged with closings by Ken Cook, Web Dev, Brand Strategist 678-439-8683

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Home : Blogs : Ken "Yes You Can" Cook : Superior, HandCrafted Web Apps : Tag "closings"

closings: Tips Countdown: #25 Debt-to-Income Ratio (DTI) - 12/03/08 11:27 PM

Agents and Loan Officers Working Together to MAKE Deals Happen (Legally and Ethically)
Sometimes the borrower(s) have great credit, good income and good assets but they still do not qualify for the best loan. How could this be? The answer is simple: they spend too much on credit!
First let me define for you Debt to Income Ratio: It is the ratio of debt to income. (Okay, sorry, could not resist.) Debt to Income Ratio (DTI) is expressed in percent. So a 20% DTI means the applicant spends 20% of their gross income on credit purchases every month. The debt is … (9 comments)

closings: Seven Keys for Faster Closings - 01/31/07 09:18 AM

What we all want is faster closings. The buyer wants that. The seller wants that. All the agents want that. The mortgage originator, their broker and the lender want that. So, let's stop all the finger pointing and take care of business in a flash with a smile.
Here are seven things guaranteed to expedite closings where the mortgage is concerned if needed.
1) Get pre-approved before you start shopping. Making an offer on a property you do not know if you can afford is not even close to wise. If you cannot afford the loan payments buying that property is a … (5 comments)

closings: The Closing Agent Represents The ... - 12/12/06 04:06 PM

... Lender.
Ouch. I know most people really do not know this especially sellers and buyers it seems. The closing agent's fiduciary (not pronounced fudooshree as I hear so often) responsibility is to the lender to make sure all of the documents are fully executed in the right manner and that the necessary recordings are performed to make the exchange legal. Not all states have the same rules and regulations and I'm definitely writing from my own little world but all states have regulations and it is the closing agent's job to be intimately familiar with them.
I know some states have multiple … (0 comments)

closings: When can we close? - 07/24/06 06:34 PM

Sounds easy to ask, doesn't it? "When can we close?"Sure, everyone would like to hear, "Oh, just whenever you're ready!"The truth? Whether you are a real estate investor looking for a mortgage for acquisition, rehab or construction or you are a homeowner just looking to purchase a home there are a couple of points you need to be aware of when it comes to closing speed and dates for any mortgage loan.Closings are not demandable even by your real estate agent - a common fallicy among inexperienced agents. Many moving parts are involved in closing on a purchase or a refinance. … (1 comments)

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Ken "Yes You Can" Cook

Marietta, GA

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