Mortgage Lending in AZ and NC

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Mortgage and Lending - Lend Smart Mortgage NMLS#207208 - NMLS 207208
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I had a real estate agent call me the other day that I did not know.  She was calling around looking for a lender to place a loan for her borrower.  She specifically asked me if my company can offer her client a Fannie Mae HomePath loan. I told her yes, got out my yellow steno pad and started to ...
The Arizona Housing Financing Authority is back at it again implementing new first-time home buyer programs to assist with the finance arm of a first home purchase.                                                                                                                                     ...
Back in August 2008 I wrote a post (And You Really Thought You Can’t Get a Home with $100.00) about FHA HUD homes having a special deal on certain properties that allowed only $100.00 down.  Well Folks FHA and HUD have decided to cancel this program for the time being. The marketing company for H...
I know so many people that still do not realize that their ARM (adjustable rate mortgage) might not be broken.  I wrote about this way back in March 2008. Is your ARM (Adjustable Rate Mortgage) Really Broken?  Most homeowners always assume tha tif they have an adjustable rate mortgage that their ...
With interest rates dipping as low as 4.25% to 4.75% on a 30 year fixed, the tax credit gone should not make much of a difference in the minds of home-buyers.  However, that has not been the case.  So far the mortgage application volumes since the tax credit ending has been very low.  Most borrow...
I am sure you have heard about this by now, but if you have not let me share again. Effective July 1, 2010 all Mortgage Bankers and Mortgage Brokers in the State of Arizona will require their loan originators to be licensed. Now based on an exemption in the laws the big Interstate Chartered Banks...
Recently I encountered a situation with a very nice client and what he said to me took me off guard.  I had a client that had some major credit issues.  His best option to buy a home was going to be credit repair.  I gave him all the normal advice about working and tackling the issues head on, bu...
After reading Paul's blog this morning, it made me realize that he is so right in so many different ways. Our market here is for the taking in Arizona and with low rates and the right homebuying conditions now is the time to act.  He says is much nicer than I do since he can spin a sentence or tw...
So much information online has taken us by storm.  I go back almost 5 years ago, and I thought the only way to drive traffic or information to an online audience was through google paper-per-click.  Today, that has all changed.  Today the trends seem to be pointed at blasting as much content out ...
Effective July 1, 2010, All loan originators need to be licensed in Arizona unless they have certain state exemptions.  That exemption is under statue 6-991.01 . With this new license comes new regulations on both the federal and state statue. Most of these laws change not only the definition of ...

Gary Miljour

Mortgage Originator NMLS Licensed in AZ and NC
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