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richmond va mortgage: My New Professional Home: First Heritage Mortgage
- 02/03/15 05:38 AM
I would like to share my excitement with you about my new professional home: First Heritage Mortgage. While making the decision to leave was difficult, I am thrilled to now have three new tools available to assist YOU and your clients. Below are just a few of the amazing perks to working with me at First Heritage:
Licensed Loan Officer Assistant | I take pride in the fact that I am available when you and your clients need me most. Now I can offer an even higher level of service with my assistant Danny Schulhafer. Danny is a licensed loan officer, previously working … (4 comments)
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richmond va mortgage: Can You Use Assets As Qualifying Income for a Mortgage?
- 07/10/14 01:26 AM
My favorite thing about working for First Home Mortgage in Richmond, VA, is the team with whom I work. We have a dedicated staff of underwriters and product support specialists available to research ways to assist clients with their outside-of-the-box lending needs. When tough scenarios come up, this experienced team sifts through page upon page of Fannie/Freddie/HUD/investor text to find solutions–and, we are often able to find a solution when other lenders aren’t.
It may surprise you, but sometimes the borrowers with the most income/assets have a trickier time qualifying for a mortgage loan. It may be because they are self-employed, their assets are tied up … (5 comments)
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richmond va mortgage: Why Are Loan Officers So Nosy?
- 05/21/14 04:03 AM
Has your loan officer requested to see all of your bank and financial statements, even retirement funds beyond what you will be using for your down payment and closing costs? This might seem like more information than you need to provide, but there’s a reason behind it–your loan officer isn’t just nosy.
There are occasions when loan officers must show a borrower has “reserves,” or remaining funds available after the down payment and closing costs are paid. The amount of reserves required varies by loan product, investor, and the borrower’s circumstances. Below are a few situations in which your loan officer … (22 comments)
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richmond va mortgage: Thank You for Closed Business, Active Rain! (and David and Shannon)
- 05/14/14 11:02 AM
I am super excited to announce that I have closed business thank you to the Active Rain community and two super star Realtors who went above and beyond to help me get started on Active Rain.
It all began when I met Realtor Shannon Milligan of the RVA Home Team with Jefferson Properties on Twitter. We were immediate cyber-friends, and I was lucky enough to connect with her soon afterwards at a local networking event. During a coffee meeting she talked to me about her real estate blogging and Active Rain, and I decided to give it a try.
She offered to let me write a guest … (8 comments)
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richmond va mortgage: Have You Considered a 15 Year Mortgage?
- 04/08/14 12:30 AM
Last year my husband and I shortened our 30 year mortgage term to a 20 year term by refinancing. Because interest rates were so low at the time, our monthly payment barely budged, and we were able to save over a hundred thousand dollars by cutting years off of our mortgage payments. By paying a little extra on the principal balance, we will be mortgage-free before our daughter enters college.
The 30 year term is certainly the most popular term out there. When I bring a 15 or 20 year term up to borrowers, they usually haven’t even considered it. I truly wish more borrowers would give it a second … (4 comments)
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