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Should I Go With the Builders Lender?

I've worked with several buyers over the years who after talking with the lender on-site at a new development have decided to go with the builder's lender rather than myself. You can imagine how frustrating that can be, but, that goes with anything. In any business where there's a commission, there is the risk that someone else will swoop in and snag your customer. So, with that being said, it's important to talk about using a builders lender versus going with one of your own. In just about every new development or subdivision there is a dedicated buyer's agent and lender [...]

Can I Still Buy a House with Low Income?

I love, LOVE talking to people wanting to buy a house, and especially for the first time. I love problem-solving and figuring out solutions that will really work for my clients, and not just immediate but for the future too.  I want all my clients, whether they are ready to buy now or not, to start now with great steps to be a homeowner in the next 3 months, 6 months or year. That's what I do! Not just provide you with the right loan for now, but help you plan and take steps that will help you be a [...]

Is the HERO Program a Good Idea?

The HERO Program is a Property Assessed Clean Energy Program provided by the Federal Government to provide financing for energy-efficient, water efficient, and renewable energy products to home and businesses in approved communities, specifically in California. This program was developed in 2010 in Riverside County California. We became the first region to offer this program and is now available to over 85% of people living in California. But what does this really mean in everyday terms?  How it works: If you are eligible, the HERO Program will allow 100% financing of the cost to purchase and install eligible energy-saving products to your [...]

5 Ways to Tell if a Loan Officer is Ripping You Off

5 Ways to Tell if a Loan Officer is Ripping You Off

It doesn't matter what industry you are in, chances are there are scammers in just about every profession. And it's only getting worse. We really need to keep our feelers up when it comes to scams, hackers, and those just trying to get your money or your identity. Even in the loan industry, this is becoming a hassle, much more than an inconvenience, but a source of deep frustration for those looking to buy a house or refinance. In my industry, there are big red flags to look for so that you know your loan officer or mortgage officer [...]

How Can I Raise My Credit Score Quickly?

If you search for quick fix credit repair on the Internet you're likely to get thousands of responses but surprisingly, it's not that quick to actually do the job. I get this question a lot and that's not surprising at all because most people want to improve their credit score in order to get a lower rate on a home loan, refinance or home equity line of credit. But is there any real way that you can fix your credit score or report fast? There are options for those that need fast credit score improvement such as rapid rescoring. This [...]

Secrets to a Great VA Home Loan

Anyone that has chosen to serve the USA through military services both presently and in the past is usually eligible for a VA loan. This loan is backed by the Veterans Affairs and is specifically reserved for those that have actively served. THANK YOU, BY THE WAY!! Without you, we would not enjoy the freedoms we have. I love helping military families find and purchase the right home. VA loans have so many benefits that anyone that has served and is eligible should definitely look into this type of financing.There are multiple benefits to VA loans that other types of loans [...]

How to Do a Cash-Out Refinance on a Rental

You have a rental property. You don't want to give it up but you do want to refinance it because rates are low and you may have purchased the property when rates were high. Or, you're just looking to pull some money out of the rental property to either improve that home or maybe your primary residence. Whatever the reason, there are some tricks to refinancing a rental property. If your rental property has increased and equity over the last few years you might want to pull some of that money out for a variety of reasons. Maybe you want [...]

When Should I Lock in a Mortgage Rate?

When is the right time to lock in a mortgage rate? This is an open-ended question. I've had people ask me when the best time is to lock in their rate even the best time of day or the day of the week. But the best time to lock in a mortgage is usually when the unexpected happens. Any unforeseen shifts in the market are some of the best times to lock in a mortgage. You want to lock it in when it is the lowest that you can go for that time period. It's kind of like trying to [...]

Can I Buy a House with Poor Credit?

Maybe 2017 is the year you buy a house. They could happen! You've been wanting it for some time but you've also been struggling with poor credit or a bad credit score. Maybe that pork credit score came from an ex-spouse or someone else that may have damaged your credit history or report. Maybe you've been trying to get it back where it should be over the last few months and now you'd like to look into the possibility of owning your own house. Many people think that if they have poor or bad credit homeownership is simply not even [...]

Should I Refinance Before Rates Go too High?

If you are among the nearly 87 million homeowners in the United States, at some point, you've probably thought about refinancing unless you've just moved into your new home. Refinancing does a lot of different things, and it all depends on why you are refinancing. If you purchased your home back in 2007 or 2008, it might be time to take a different look at your home loan. You might consider pulling some money out for home improvement, sending a kid to college, changing your terms or lowering your monthly payment. Refinances are still very popular. Over 7 million or [...]

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