loan officer: Don’t lose another bid! - 01/30/18 10:39 AM
Don’t lose another bid!
We’ll pay both the Buyer and Seller $1,000 each if we don’t close on time!
I am licensed in AL, GA, FL, & TN for all of of your real estate needs.
This offer is part of our On Time Closing Guarantee with this 15 day special now through the end of February!
Contact me to get started!
On Q Financial, Inc. is an Equal Housing Lender, NMLS 5645. On Q Financial's On Time Close Guarantee Program has restrictions and requirements. Not all loan programs apply. The 15-day closing guarantee offer expires on 2/28/18. Payment for missing closings will be paid … (2 comments)

loan officer: Make Your Offer Stand Out Among the Competition - 06/17/17 08:08 PM
Make your offer standout in a market where almost every home listing receives multiple bids. Show your Seller that you are serious about closing on time.
Use the On Q Financial On Time Closing Guarantee and we guarantee that you will close on time or we will pay the Borrower and/or the Seller $1,000 each.
Visit On Q Financial On Time Close Guarantee for more details.
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loan officer: Tips to Successfully Obtaining a Mortgage in Today's Lending Environment - 10/16/11 02:23 AM
With today's tightened lending guidelines, it is critical for buyers and agents to understand what it needed to successfully obtain mortgage financing today.  This post was inspired by Buyer frustrated over the mortgage process in Key West Florida. written by Elizabeth Birmingham.  In it, she brings up a lot of today's challenges faced by buyers and agents.  By being better educated, agents can also do their part to lessen the negative impact. 
Many of the issues that she mentioned below are there for very valid reasons given the current state of the real estate market. 
1. Bad Credit scores are now between 620 and 660. The bank usually … (10 comments)

loan officer: What Is An Underwriting Guideline Overlay? - 01/01/11 05:23 AM
Why does it sometimes seem that underwriting guidelines vary from mortgage company to mortgage company?  Well, it is because, sometimes they do.  Each agency (Fannie Mae, Freddie Mac, FHA, VA, USDA) sets the minimum guidelines for the approval of a mortgage that they will back if it defaults.  An overlay is when a mortgage lender adds an additional restriction to their guidelines.  One huge misconception is that
There are many types of overlays.  Some of the most common include:

When an Underwriter makes a condition that someone doesn't agree with, they are not just doing it because they want to.  There is a valid reason behind it. 
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