Tanya Runkle's (trunkle1) Blog

Road Maintenance Agreements.  The concern or need for this type of agreement may never come up where you live and work.  However in many markets this is commonplace and a concern that arises.  Here is the Lending Perspective and why we need this in order to close.   We recently worked with a Vete...

Who Makes a Good FHA Borrower? First Time Home Buyers Buyers with a lower down payment-3.5% down and the down payment can be a gift Buyers that are two years out of a Bankruptcy or one year into a Chapter 13 repayment plan (we would need permission from the Trustee to purchase a new home, but it ...

  No Thanks...I'm just looking. Those of us who began our career in retail sales are far too familiar with the classic buyer objection.  My first real job was in sales at Nordstrom when I was 16.  I am so thankful for the excellent training, leadership and business philosophies that I gleaned wh...

I have already had one VA Home Loan, Can I get another one? Yes, eligibility can be used multiple times depending on the circumstance.  Normally if a loan has been paid off, a Veteran is eligible to use their benefits again.  We request the Certificate of Eligibility on behalf of the Veteran aft...

"The Best Three Hundred Bucks I Ever Spent"I share this story with every new buyer I meet when they are deciding if they should waive or obtain a Home Inspection.  About five years ago I was working with an excited First Time Home Buyer whose daughter had a mold allergy.  She found a newer home i...

Your Credit Score is a fluid number that changes as your credit report changes.  Therefore, any change to your credit report could impact your credit score. Here is some helpful information to take into consideration:The PlayersEquifax, Transunion, ExperianHow Credit Scores are Weighed 35% in est...

If you are in search of information on how to purchase your first or a new home, I am glad you found my blog.  It is my goal to educate and empower buyers with the knowledge and information needed to purchase a home in today's changing market.  In today's article I will get you started on the rig...

You can't always believe what you read in the papers. Especially with respect to Real Estate and Mortgages.  The problem with writing an article about the Real Estate market is that it is, has always been, and will continue to be a local market.  So, it is our job to educate our potential buyers ...

Remember when you may have internally cringed in years past when you realized your buyer was using their VA Home Benefits? The property requirements and dreaded repair list, getting the repairs done and having to deal with an appraisal re-inspection...unless we see an influx of cash buyers, they ...

With the increase of Foreclosure and Short Sale properties on the market today, many buyers are finding a gap in traditional financing.  The FHA 203k Streamline is an option we are seeing more buyers choose as the homes they are interested in are in need of repair that wont pass the appraisal ins...