Kathy Sheehan Mortgage Lender

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Mortgage and Lending - Bay Equity, LLC 770-634-4021 - NMLS #206275 GA 25689



  There are always reasons to keep up with technology and I think the greatest one to come along is the ability to use electronic signatures in a real estate transaction. So, many, many, many years ago I worked as a part-time real estate agent.  At the time, our MLS printed a book every week with...
For the move up buyer, these are very good points that should be given careful consideration.  As always, you should consult your loan professional for specifics on the qualification process.Should You Sell Your Charlotte Home Before Buying a New One? Buy Before or After?   When planning a move f...
  For the longest time, the investors seemed to keep moving up the minimum credit score for an FHA mortgage.  We started at a 580, then 600, then 620 and most lenders now have a minimum requirement of 640.  For the quite some time, it looked like we were headed to a minimum middle credit score of...
  A friend posted on Facebook that July is National Ice Cream month, now it wasn't that I didn't believe her, but I just had to check it out for myself.  Here is what I found when I did my search on google: "Ronald Reagan designated July as National Ice Cream Month in 1984.[1] He also appointed t...
Murphy sometime shows his evil colors in the mortgage application process, and lately, it seems that he has been working overtime! I recently worked with a couple that were so excited when their dream home was reduced to a price that put it in their price range.  What I didn't know until the clos...
Yes, the perfect home purchase transaction does exist.  In fact, the last contract I received has been exactly that.  It should be understood that it takes teamwork to make this happen.  Real estate agents that respond to request for documentation or signatures. This also includes the attorney of...
This is one of the best articles I have seen written on saving money, not just on everyday items but on the most important investment most Americans make in their lifetime.       Sunday's Chicago Tribune ran an article  regarding a woman named, Jill Cataldo. Jill is considered a coupon queen. She...
Well, this is a little embarrassing. I started this blog, and had intended to finish it today, instead I guess I posted it.  Oh well, another lesson learned on the art of blogging!  I just wanted to share a few thoughts about this holiday. As children Indpendence Day represented a day for family ...
  This weekend I believe we should take a minute to remember all those that paid the ultimate price for our freedom.  I am grateful to be an American.  God Bless the USA!  http://www.youtube.com/watch?v=Q65KZIqay4E&feature=share  

Kathy Sheehan

Senior Loan Officer
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