mortgage: Happy Holidays Waxhaw!
- 12/24/07 11:43 AM
Wishing all who read this a great Holiday Season and a tremendous 2008. To those I have worked with and worked for, thank you for a great 2007. For those of you that I have not yet had the pleasure of meeting, I look forward to meeting and working with you / for you in 2008. God bless you and your family this holiday season. ----------------------------------------- This Holiday Wish is brought to you by Ed Nailor, of The Ed Nailor Mortgage Team. Dedicated to educating, inspiring and assisting in the American Dream. - "when time and money really matter" Ed Nailor
We know Charlotte Mortgage Loans 704-651-8704 Phone … (0 comments)
mortgage: Happy Holidays Pineville!
- 12/24/07 11:42 AM
Wishing all who read this a great Holiday Season and a tremendous 2008. To those I have worked with and worked for, thank you for a great 2007. For those of you that I have not yet had the pleasure of meeting, I look forward to meeting and working with you / for you in 2008. God bless you and your family this holiday season. ----------------------------------------- This Holiday Wish is brought to you by Ed Nailor, of The Ed Nailor Mortgage Team. Dedicated to educating, inspiring and assisting in the American Dream. - "when time and money really matter" Ed Nailor
We know Charlotte Mortgage Loans 704-651-8704 Phone … (0 comments)
mortgage: Happy Holidays Ballantyne!
- 12/24/07 11:41 AM
Wishing all who read this a great Holiday Season and a tremendous 2008. To those I have worked with and worked for, thank you for a great 2007. For those of you that I have not yet had the pleasure of meeting, I look forward to meeting and working with you / for you in 2008. God bless you and your family this holiday season. ----------------------------------------- This Holiday Wish is brought to you by Ed Nailor, of The Ed Nailor Mortgage Team. Dedicated to educating, inspiring and assisting in the American Dream. - "when time and money really matter" Ed Nailor
We know Charlotte Mortgage Loans 704-651-8704 Phone … (0 comments)
mortgage: Happy Holidays Charlotte!
- 12/24/07 11:39 AM
Wishing all who read this a great Holiday Season and a tremendous 2008. To those I have worked with and worked for, thank you for a great 2007. For those of you that I have not yet had the pleasure of meeting, I look forward to meeting and working with you / for you in 2008. God bless you and your family this holiday season. ----------------------------------------- This Holiday Wish is brought to you by Ed Nailor, of The Ed Nailor Mortgage Team. Dedicated to educating, inspiring and assisting in the American Dream. - "when time and money really matter" Ed Nailor
We know Charlotte Mortgage Loans 704-651-8704 Phone … (3 comments)
mortgage: Inside the Money 12/19/07
- 12/19/07 09:22 AM
Last week I was unable to publish my weekly update on the mortgage industry. For those of you that enjoy the updates, I do apologize! With the holidays here, please understand that the next couple weeks will be hectic and I will try to publish as much as I can. Rates Over the past 2 weeks, Charlotte mortgage rates have remained fairly flat. We have seen minor adjustments, but overall rates have stayed within 1/8th of the rates from a month ago. Over the next few weeks I anticipate rates to remain flat for the most part, however there is a trend that … (2 comments)
mortgage: Country Living With Convenience
- 12/18/07 12:56 PM
In a joint marketing effort, this home ad is sponsored by The Ed Nailor Mortgage Team, offering Home Loans in Charlotte. Get Pre-approved for a home mortgage loan to buy this home today! With a large variety of home mortgage products still available, you may even be able to buy this home with no money down! Call Ed Nailor at 704-651-8704 to qualify now. … (0 comments)
mortgage: Quiet Lot in growing Steele Creek
- 12/18/07 12:47 PM
In a joint marketing effort, this home ad is sponsored by The Ed Nailor Mortgage Team, offering Home Loans in Charlotte. Get Pre-approved for a home mortgage loan to buy this home today! With a large variety of home mortgage products still available, you may even be able to buy this home with no money down! Call Ed Nailor at 704-651-8704 to qualify now. … (0 comments)
mortgage: Charming home in Bristol Park
- 12/18/07 12:43 PM
In a joint marketing effort, this home ad is sponsored by The Ed Nailor Mortgage Team, offering Home Loans in Charlotte. Get Pre-approved for a home mortgage loan to buy this home today! With a large variety of home mortgage products still available, you may even be able to buy this home with no money down! Call Ed Nailor at 704-651-8704 to qualify now. … (0 comments)
mortgage: Cozy Home with low SC Taxes
- 12/18/07 12:33 PM
In a joint marketing effort, this home ad is sponsored by The Ed Nailor Mortgage Team, offering Home Loans in Charlotte. Get Pre-approved for a home mortgage loan to buy this home today! With a large variety of home mortgage products still available, you may even be able to buy this home with no money down! Call Ed Nailor at 704-651-8704 to qualify now. … (1 comments)
mortgage: Did I miss something?
- 12/18/07 12:23 PM
I feel like I missed something and that's not a good thing. Last I knew the bad bill that we all feared had been modified to remove the wording that would eliminate YSP. Yet I get this email alert from NAMB stating that we need to oppose this bill from Sen. Dodd because it will eliminate YSP. Did this get slipped back in? … (2 comments)
mortgage: What do it ‘tall mean?
- 12/17/07 11:53 AM
So one of the questions asked of me lately is "what does it all mean?" How will the rate pricing change the industry? Will things slow down more? Is this the end of business as we know it? Are pigs growing wings as we speak? Ok.. so I added the last one myself... With Fannie and Freddie making the changes they have to mortgage rate pricing, this does mean change. But not always for the worse. Yes, subprime is dead (for now) and lenders are increasing this rate and changing that program. But, when the market shifts, someone will be there to take … (3 comments)
mortgage: If LO's are lost, we are all in trouble!
- 12/17/07 11:46 AM
So here we are in one of the craziest periods of time in the mortgage industry. Every day something else changes... lenders have closed shops, mortgage programs are morphing every day and now rate pricing changes... how does one keep up? Surprisingly, there are a large number of mortgage loan officers out there that can't keep up. Remember, they got in this business in the past couple years and got into the habit of "cherry picking." The phone rang just as soon as they put it back down and by the end of the day they had 10 mortgage applications. Choose the … (4 comments)
mortgage: The Day Has Come
- 12/17/07 09:53 AM
A few weeks back I reported that Fannie Mae and Freddie Mac would be making changes to the way mortgage loans would be priced. As of today, that has finally become a reality. Effective today, majority (if not all) of the major mortgage lenders have modified their pricing models to include additional pricing add-ons for those with credit scores under 680 and loan to value ratios above 70%. In laymen's terms, that means if you are not putting down 30% on a home purchase and a credit score above 680, your mortgage interest rate will be higher. For consumers this means you can … (2 comments)
mortgage: SELF EMPLOYED BUYERS- Before you file taxes.. read this
- 12/11/07 05:05 AM
NEWSFLASH! BUSINESS OWNER MAKES $250,000 WITH NO DEBT BUT CAN NOT QUALIFY TO BUY A HOME! Think this is bogus? Read on.... For most self employed people, its time to find an accountant to help you reduce your tax bill. But if you are thinking of buying a home.. you really need some important information before you file. I have created a page that tells of the possible down falls to eliminating all (or most) of your tax liability before buying a home. Am I saying you need to pay big taxes? ABSOLUTELY NOT! You just need to know how the system works in order to work … (16 comments)
mortgage: Sending to Multiple Lenders? Is it still smart?
- 12/10/07 10:44 PM
One thing to keep in mind in "today's market" is that by sending clients to 3-4 lenders, they get into a "rate shopping game." This was never a problem before, but with the new changes to loan pricing by credit score models, today that may not be the best advice. A lender can no longer offer a rate based on what they think the buyer might qualify for. A 10 point difference in score could mean a 1/2 point difference in rate! So lenders now need to do a real pre-approval... credit, income and more. My advice is that YOU as … (10 comments)
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The articles, reviews and stories written and published on this website are simply the opinions of Ed Nailor. While Ed Nailor has professional experience as a mortgage loan officer, the information posted on this website should not be taken as personal counsel or an endorsement of anything. For mortgage related counsel or advice to be meaningful and effective, one must sit down one on one with a professional to discuss the particulars of their situation. Ed Nailor can not be held liable for any decisions you make as a result of what you might read or infer on this website. Proud supporter of the Right to Free Speech.
Wishing all who read this a great Holiday Season and a tremendous 2008. To those I have worked with and worked for, thank you for a great 2007. For those of you that I have not yet had the pleasure of meeting, I look forward to meeting and working with you / for you in 2008.
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