Whitney Watson's (whitneywatson) Blog

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

ARCHIVED BLOG POSTS

2014 

Credit series tip number 9: If you've cleaned up an account you had late payments or were delinquent on, consider calling the credit card company to request a removal of the negative information. You may not get a yes, but it's worth a shot! It's always worth a shot to give your credit card comp...
08/27/2014
Credit tip number 8 is--To prevent fraud keep a close eye on your credit. While you're at it, check your elderly loved ones' credit scores too. Anyone can be a victim of fraud so it is important to keep an eye on your credit for anything unusual. The same thing goes for our elderly loved ones, a...
08/26/2014
Credit tip number 7 is that you cannot close on a mortgage loan with an active credit dispute. Wrap up these issues before you apply for a mortgage and do not open new disputes with the credit bureaus before you close on your new home.    Click the links to see more credit tips! Tip # 6 Tip # 5 ...
08/26/2014
I’ve previously written about First Home Mortgage’s FHA renovation loan product, the 203k: Found a Diamond in the Rough? Finance Your Home Purchase and Renovation Costs in an FHA 203k Loan 203k: Timeline and Troubleshooting While this is a great product, if you are able to come up with a 5% down ...
08/20/2014
If you are looking for an FHA approved condo in Chesterfield or Midlothian Virginia, there are some great options out there.  Just like I mentioned in my blog post regarding FHA approved condos in Richmond Virginia, you will want to start with looking at the list of FHA approved condos in Chester...
08/18/2014
If you are looking for a condo in the Richmond VA real estate market and you need to use FHA financing, there are some great options out there.  You will want to start with looking at the list of FHA approved condos in Richmond VA on HUD’s website.  If the condo is approved, you are good to go.  ...
08/13/2014
Do you remember the Target and Neiman Marcus security breaches during the holiday season of 2013?  Millions of consumers’ personal and credit card information was compromised leaving them open to identity and credit card theft. We at First Home Mortgage in Richmond, VA, continue to see one afters...
08/06/2014
  Credit tip number six is to remember your individual financial behaviors also affect others who share responsibility for credit cards, loans, and bills with you. This can be a touchy topic and I'm sure many of us have ended up on the short end of the stick when it comes to creditor know someon...
08/06/2014
As a Richmond VA mortgage lender, answering borrowers’ questions takes up a good portion of my day.  Sometimes a question stems from the use of a term with which my borrower was not familiar.  This happens with just about any profession–whether you’re a preschool teacher, auto mechanic, or physic...
08/05/2014
I’ve been doing a lot of reading on Dave Ramsey’s website lately as one of my colleagues is a fan.  I have to say that I like much of what he writes about living debt free and money management, but I found one thing while reading today that I did not agree with. What Dave Is Wrong About… Dave is...
08/05/2014
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