Make It Go Faster!
We all want things to go faster. We wanted communication to go faster, so a phone was invented, then email and the internet. We wanted cooking to go faster, and someone invented the microwave. We...
View ArticleClient: Why do you wait until the last minute to ask us for this stuff? Loan...
I have heard so many people ask why we wait until the last minute to ask them for certain documents for a loan approval. I have a few answers. Mostly it is because many times the mortgage borrower has...
View ArticleGetting A Mortgage? Freeze, Don't Move!
I have had far too many transactions blow up completely or get delayed because the client makes a financial move that they should not during the transaction. Mortgage borrowers should keep all finances...
View ArticleLoan Transaction Checklist
The below is what a mortgage borrower should know about the steps in a mortgage process and what is expected of them when applying for a mortgage. The turn times and ability of the mortgage lender to...
View ArticlePool Tables, Patio Furniture and Chandeliers Have No Value?
Often times when a buyer and seller are negotiating over the sale of a home, the buyer indicates they would like to have certain personal property from the home. There are times when the seller is OK...
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Contingent Liabilities Counting Against A Mortgage
A contingent liability is a potential liability. For example, if a parent guarantees a child’s car loan, the parent has a contingent liability. If the child makes the car payments and pays off the...
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Top 15 Questions to Ask a Lender or Broker Before You Apply for a Mortgage Loan
It may seem odd that someone in the mortgage business wants to discuss how to help consumers find the best mortgage lenders. People search for mortgage providers every day without the benefit of...
View ArticleMortgage Interest Rate Lock-In Information
You would think locking-in an interest rate for your mortgage is a very simple process. What is there to think about? You are given your choices, and you pick one and lock-in. Right? Not much to it?!...
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