Andrew Bleyer's (ableyer) Blog

The following guidelines have been put in place by my underwriters, some in response to, some in anticipation of changes from our investors. Credit Scores: The minimum credit score for all borrowers on the loan is now 640 (from 620). The only exception to this is a Bank of America to Bank of Amer...

My wife and I have made alot of changes over the past few years, beginning about the time our first son was born. These changes haven't made a huge impact in our daily lives, but they hopefully have a larger impact on the world we are leaving for our kids. We try to leave a smaller carbon footpri...

While there are tons of posts about this already, most of them focus as much if not more on what I call the "Home" aspects (stability, community, freedom) and the current market specific benefits than homeownership as a long term investment. While I'll touch on some of the current benefits (tax c...

Still surprised at how many realtors I speak with in this market who have no interest in changing their marketing strategy to go after the first time homebuyers. While we hear it all the time, "there's never been a better time to buy", it should be clear to you by now that this is true of the mar...

On Thursday last week (July 30, 2009), the new guidelines for Truth In Lending (TIL) went into effect. These changes were actually drawn up in the Housing and Economic Recovery Act of 2008. Here are some of the minor changes: There is language that has been added to the TIL notifying the consumer...