Whitney Watson's (whitneywatson) Blog

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Mortgage and Lending - First Heritage Mortgage - NMLS #: 938761

ARCHIVED BLOG POSTS

2014 

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I stumbled upon a 4-leaf clover while on a walk with a friend, and snapped this picture. My friend told me she had never found one before, and this seems to be the consensus. As a child I used to look for clovers with my cousin and I would find 10 to 20 clovers in one sitting. I would take my "pr...
05/30/2014
I woke up Tuesday with the beginning   signs of a cold--the usual sniffles and scratchy throat. By the time I was winding down that night, it was a full blown cold and I realized it was going to be a long night of no sleep. Thankfully, I had some Tylenol Cold and Flu® on hand. I sound like an adv...
05/29/2014
When the weather warms up, a favorite place I like to take my daughter in Richmond, VA is Maymont. I couldn’t tell you how many times I’ve been there, but it never gets old. Maymont originated as a 100-acre estate belonging to James Henry and Sallie May Dooley. After both of them passed away, the...
05/29/2014
If you have good credit and your income does not exceed 100% of the annual Area Media Income (check here to see the limits for Virginia), you may be eligible for the Fannie Mae MyCommunity Conforming Loan.  This loan is a great alternative to an FHA loan for buyers short on a down payment because...
05/28/2014
Wanda Fears has put together a great list of Richmond's top  family friendly places to visit! Be sure to visit her blog to leave comments. (Image Courtesy of Kings Dominion)   Richmond is known for being a great place to raise kids. It almost doesn’t really matter what part of town you are locate...
05/28/2014
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Let’s talk about Lunch. Not just the mid-day meal, but the restaurant Lunch. | Supper! in Scott’s Addition in Richmond, VA.  Lunch is a very cozy restaurant where you can get some of the best southern cooking I’ve had in Richmond. If you have to wait for a table, you’ll want to stick it out—it’s ...
05/23/2014
It’s that time of year where we have beautiful weather in the morning and early afternoon, but right as 5:00 is approaching things start looking like this:   It is so scary driving into those very angry looking clouds not knowing what to expect. As I got closer to home, it looked like a tornado h...
05/22/2014
This question comes up during just about every refinance transaction.  Clients want to know why their mortgage payoff is higher than the principal balance reflected on their most recent mortgage statement. The answer:  Your mortgage loan payment is paid in arrears.  Therefore, when you make your ...
05/22/2014
Today is Thankful Thursday and I am thankful for Panera’s Hidden Menu.  I discovered it online when I was doing a crazy Paleo challenge a few months ago.  It’s so hard to eat healthy when you’re on the run or don’t have time to pack a nice lunch, so I’m glad Panera has these great healthy options...
05/22/2014
Picture Source In general, a self-employed borrower must have been self-employed for a minimum of two years in order to use that income to qualify for a mortgage loan.  A loan officer will request tax returns for the most recent two years and a year to date profit and loss statement to calculate...
05/21/2014
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