fha loans: Vicious Rumors of The Tax Credit Being Extended? - 10/10/09 11:36 AM
I'm going to give you a link.  However, you have to promise to come back and visit after you've clicked on it and read it.
Scout's honor?  Okay, I'll trust you for now.
Here it is.
If you comprehend the written word the way I do, you're screwed.  I'm kidding.  It's pretty evident that there is a more than decent chance that the Tax Credit for folks buying a home is going to be extended.
What does this mean?
I'll tuck away any politics, agendas, opinions, or anything (though theoretically I hate not to expound my own beliefs;) dealing with nothing … (38 comments)

fha loans: Homebuyer Tips to Sip From. - 05/07/09 10:07 AM
Perhaps you've been throwing around the idea of entering into the wonderful world of buying a home.  Maybe you've even came across a house that not only tickled your fancy, but left that euphoric taste of bliss running through your bones.  Either way, probably the most important thing you can do is to become educated.  From there, there's one place to start... Behold, The Basics:
Cash isn't necessarily King.  If you are paying rent, pay it on time and do so by check.  That's a documented housing history.  Any applicable down payment you have has to be sourced from the banking … (56 comments)

fha loans: Consumer Quickies: Five Things You Need To Know About The Mortgage Market Right Now! - 03/20/09 12:05 PM
If you are going to boogie, learn to dance. 
As many of you know, the Mortgage Market is changing faster than Tom Welling's Superman character into his "get-up" in the television show, Smallville.  It's truly a jungle out there and you'll need a Machete, Cargo Field Pants, and the proper Guide to navigate you through the ever growing foliage.  As a guide in the jungle that is the Mortgage Industry, I wanted to give some simple bits of information to arm you on your journey.
In no particular order, please take note of the following as they may be pertinent along your travels:
As … (29 comments)

fha loans: Mortgage programs outside of FHA loans. What are they & how can they help. - 03/03/09 03:42 AM
Want a snapshot of what is available out there right now in regards to Mortgage Products?  Jeff Belonger supplies us with a strong post that identifies the array of Mortgage Products present for a variety of different scenarios and situations.  And who said lending was dead;)


So you are looking for a mortgage to help purchase your new home or to refinance your current home. You have spoken to a loan officer and find out that you can't obtain a FHA loan for several different reasons. Some of these reasons might be ....
  You don't show enough money … (0 comments)

fha loans: When You Find The "Almost" Perfect House, But Want To Make It Home. - 02/12/09 02:29 PM
This should lead it off quite nicely:)
Back in my early days of lending, I recall quite vividly the very first Rehab Loan I did.  While I did some legwork in actually knowing the ropes of that particular product before advertising the bejesus out of a very niche loan, I still was caught like a reindeer in some oncoming car's speeding headlights when trying to get them closed in a streamlined sort of fashion.  And then, I had it mastered.  As my particular luck would have it, most of those programs disappeared shortly thereafter.
The echoes in the back of my head rang … (72 comments)

fha loans: Mortgage Pro Week in Review~02/02/2009 thru 02/08/2009 - 02/09/09 06:45 AM
I was honored when Jeff Belonger asked me to write this week's Mortgage Pro Week in Review.
Let's face it.  We live in interesting times.  There will come a day when textbooks being taught to future generations cite these very times.  Luckily, we have some savvy folks to learn from and to generate a pro-active way to not only survive, but thrive here forth.
Like many, I have much to whine about and much to be thankful for.  I am in the Mortgage Business, after all.  Given the general atmosphere of things, if you had told me eight short years ago that … (37 comments)

fha loans: Give yourself some credit... if you are a "First-Time Homebuyer" - 01/27/09 01:56 PM
Let's first define "First-Time Homebuyer".  Actually, let's define what the heck I'm addressing in the first place.  It's the First-Time Homebuyer Tax Credit.  I trust you've at least heard about it and if not... no biggie... I will give you some of the talking points and the direct address to the site momentarily.
The whole concept of "First-Time Homebuyer" can be a tad misleading for some of you.  You are considered a first-time homebuyer (under this tax credit) if you have not owned another home at any point in time during the three years prior to the date of purchase. 
So what … (28 comments)

fha loans: The FYI with FHA - 01/23/09 01:44 PM
January 1930 - There are two great dangers to the continuance of prosperity.  The first is the false idea that business is still governed by a cycle of boom and depression, and the second is that the leaders of business will think that the country is broke because some of their friends are.  And also there is the danger that many executives who have been playing the market instead of working will not know how to get back to real work.
       Samuel Crowther, The World's Work
The following news is old, a bit antique in the "live feed" internet world we live … (28 comments)

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