Are you wanting to get approved for a home loan but didn’t know how?  I’ll discuss how YOU can buy a home, Right Now! Many future homeowners I’ve had the pleasure to meet are often confused about how to get approved for a home loan and don’t know quite where to start.  They may not […]

If you’re a self-employed future homeowner or already own a home and looking to refinance, then you’ll want to watch this video. Too many times I hear from frustrated buyers or current homeowners who think OR have been told rather, that they can’t get approved for a home loan because they do not have two […]

HomeStyle Renovation Loan – Before & After The value in the HomeStyle Renovation Loan is taking ANY house in the right location and turning it into the house you will LOVE.  Watch one episode of Fixer Upper with Chip and Joanna Gaines http://tinyurl.com/ovnmj8v and you will see the value as a buyer or current homeowner.  And if […]

By now you’ve probably heard about and have been reading up on Fannie Mae’s Homestyle Renovation Loan program. It’s a nifty little mini-construction loan. Released late in 2014 it was Fannie Mae’s answer to the FHA 203K loan – only it’s easier. Trust me I’ve done them and what a refreshing comparison. The Homestyle doesn’t […]

What are closing costs? What are prepaids? Almost every borrower I speak with during the initial stages of buying a home or refinancing ask what their closing costs are going to be. When they ask this, I know they are really asking what their bottom line is. Most people are not familiar with the technicalities […]

Did you know that you can also use a reverse mortgage to purchase a home? It’s not just for those who are at least 62 years old and currently own a home. So why would someone want to use a reverse mortgage to buy a home? Well there could be any number of reasons. One […]

Most people think that a reverse mortgage is scary or way too complex to venture into. That is just simply not the case. In fact, it is much easier to get approved for a reverse mortgage than a forward traditional mortgage. There are just a few things that you even need to consider to see […]

To Pay or Not To Pay…. That is the question. Hey, none of us WANT to pay FHA’s monthly mortgage insurance as part of our mortgage payment. But we have to pay to play right? Well, since FHA is so attractive in that it allows first time home buyers or those who have not owned […]

Over the last twelve years I’ve had many a discussion with both the seasoned home buyer as well as the first time home buyer. More often than not it comes down to the borrower’s (buyer’s) perception of what it takes in their mind to become approved for a home loan. Because there is constant movement […]

I recently read an article in the Tampa Bay Times. Although it was posted on May 30, 2014, I stumbled across it on a mortgage news daily post. Being in the Tampa Bay market myself and having a small, yet efficient mortgage consultant company, I felt compelled to blog about this ever interesting topic. With […]