loan programs: Hey Sergio, Are Web-based Mortgage Calculators Accurate? - 07/12/16 01:40 AM

These handy Web-based calculators can give you a good sense of what you’ll be getting into as a homeowner.
Technology today can help you do just about anything when it comes to your home. Want to see what a paint color looks like in a room before you put it on your walls? There’s an app for that. Want to see what a screened-in porch will look like on the back of your house? There’s software for that too. And when it comes to purchasing and paying off a home, there are apps and calculators for that as well.

loan programs: Shopping a home loan is as important as shopping for the home itself. - 06/21/16 06:46 AM

Shopping for a home loan is just as important as shopping for the home itself.
Some banks or mortgage lenders might not have access to the type of mortgage that would be the best fit for your specific situation. But without a little extra searching and knowing to ask the right questions, you would never be the wiser.
This is where I come in! Before you talk seriously with any other Lender, seriously talk to me first.
Here’s what you should “know before you owe.”
What mortgage questions you should you be asking?
Here’s six big ones:
1. Are points … (1 comments)

loan programs: Top Reasons to Buy vs Rent, even still, in 2016. - 05/17/16 03:16 AM

I was asked recently as I turned a friend who was going to rent into a homeowner, Sergio, what are the top reasons to buy a home still in 2016?
Here's the answer:
1. Interest rates are still at record lows. It’s a fact that interest rates on home loans are at historic lows, with a 30-year fixed-rate home loan still hovering around 4%.
2. Renting has increased significantly. According to the 2015 Rental Market Report, 88% of property managers raised their rent in the past 12 months, and another hike is predicted for late 2016.
3. Home prices, … (0 comments)

loan programs: Don't allow your deal fall thorugh due to financing - TIPS - 05/03/16 01:02 AM

A mortgage that gets denied is one of the most common reasons a real estate deal falls through. One of the most important steps to successfully purchase a home is to get pre-approved for a mortgage before shopping for homes. The primary reason is to look for homes in your price range and don’t envision yourself in a home that’s out of your range, leading to disappointment. This is supposed to be a very fun time all this house hunting! Seems obvious right?
But, did you know that even though you get pre-approved for a mortgage before shopping for … (0 comments)

loan programs: Now is the perfect time to review your mortgage position. - 03/11/16 12:04 AM

It’s a PERFECT time to Evolve your Mortgage!
March, 2016 is a perfect time to review your current mortgage position. 
Streamline your FHA or VA loan with NO appraisal or income verification! We can drop your Mortgage Insurance on Conventional Loans! We can convert your FHA to Conventional, with no Mortgage Insurance at all! Ask me how to lower your term from 30 to 15! Now is the time to upgrade your family into a bigger home for amazing low rates! I’ve been helping my clients succeed on a Nationwide scale for over 18 years, and very I’m acquainted with … (0 comments)