Real estate blog entries tagged with qualifying for a mortgage by Janet Guilbault California Mortgage Banker/Broker

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qualifying for a mortgage: Why You Need A Barf Bag When You Apply For A Mortgage - 07/09/09 10:58 AM

Because I am in the trenches of mortgage madness daily, let me just tell it like it is: Getting a mortgage these days is NOT A PLEASANT THING.
Why is this? Because quite honestly, BANKS ARE NOT A PLEASANT THING.
They are woefully understaffed:"get in line, we'll get to you when we … (20 comments)

qualifying for a mortgage: 8000 Reasons Get Your Butt In Gear: Deadline for First Time Homebuyer Tax Credit Looms - 06/25/09 12:46 PM

First time home buyers: Are you still at the computer, doing endless "research" on how to snag the $8000 TAX CREDIT for buying a house this year?
Does the November 30th deadline seem like a million years away as you think about fireworks (not turkey leftovers)?
First time home buyers: Get … (46 comments)

qualifying for a mortgage: This Is You. This Is You On Paper (And You Just Got Shredded) - 02/27/09 06:54 PM

Remember the old TV commercial that went like this:
This is your brain. This is your brain on drugs.
For those of you too young to remember this anti-drug TV spot, your brain on drugs is supposed to look like a fried egg on the sidewalk (not so subtle message of "you … (76 comments)

qualifying for a mortgage: Jumpin' Through Those Jumbo Hoops and How It Holds Down the Economy - 02/25/09 04:38 PM

Imagine my surprise when an article in the Wall Street Journal featured:
A client of our family's auto leasing company who was also... A client of my former mortgage company who was also... Complaining bitterly about lack of jumbo loans to refinance his house in ALAMO, CALIFORNIA (median home price, 1.3 million). Alamo is where … (6 comments)

qualifying for a mortgage: Time Wasters and Heart Breakers: The End of Loans That Blow Up? - 01/28/09 06:03 AM

What percentage of buyers did you get into contract last year that blew up in your face because the loan fell apart?
With the actual ratio of applications to loan closings running at about 50%, that means all of us in the real estate business spent a lot of time last … (72 comments)

qualifying for a mortgage: A Babyboomer Trap: Family "Arrangements" Can Destroy Your Ability to Qualify for a Mortgage - 01/02/09 04:58 PM

This is the story of Bethany and Rob, empty nester babyboomers who thought they were doing the loving thing by agreeing to care for an elderly parent. They ending up being being slapped in the face by a harsh lending world that has no sympathy for "family arrangements".
Bethany and Rob … (49 comments)

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