Who wouldn't these days! It seems like there are more questions than ever to ask regarding mortgages. My promise is to guide you through the information and to help you make an informed decision that will keep your life worry-free. Buying a Home? These days it's all about getting the "correct" loan for your situation.
FHA, VA, CHFA, and conventional we have you covered. Together, we will develop a personalized loan that will give you peace of mind and a plan to follow when the speed-bumps in life come along. Curious about Refinancing? I can explain the process and what you can expect from it. The benefits of refinancing include a reduced interest rate and monthly payment, and possibly a plan to help you pay down your balance more quickly.
FHA, VA, CHFA, and conventional we have you covered. Together, we will develop a personalized loan that will give you peace of mind and a plan to follow when the speed-bumps in life come along. Curious about Refinancing? I can explain the process and what you can expect from it. The benefits of refinancing include a reduced interest rate and monthly payment, and possibly a plan to help you pay down your balance more quickly.
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How comfortable you are with the possibility your mortgage payment may change in the future. When considering loan programs, the first decision is usually if you prefer a fixed rate mortgage or adjustable rate mortgage. For example, a 15-year fixed rate mortgage can save you thousands of dollars in interest payments over the life of the loan, but your monthly payments will be higher.
Foreclosure simply allows a lender to take possession of a property in the event that the person who borrowed the money is unable to repay the loan. It allows the lender to recoup the value by evicting the previous owner and then re-selling the property to someone else. Foreclosure is not a mystery.
If you are self-employed: Year to date profit and loss statements and Federal tax returns for the two previous years; If you own a Corporation or Partnership we will need the K-1's unless you are more than 25% owner than we will require the company returns for the most recent two years. Additional income: social security, overtime bonus, commission, interest income, veteran's benefits and so on.
So many people I first speak to and explain to them the importance of their "Debt to Credit Ratio" (balances divided by the limits on your credit cards) tell me-"Oh, I just paid them off!" They naturally believe this is a positive for their credit scores and they will immediately increase. Common sense dictates that this is a good thing and of course if they had high balances then in the Big Picture of credit scoring it actually is.
In years past yes they did. I'm sorry to say that if you now have a complaint with someone such as a collection agency, the FTC passes the information on to a division called the "Consumer Sentinel Network". Although the Federal Trade Commission states that this is a method to handle your problems "more efficiently and effectively" it is simply a method for them to "hand-off" these problems to local & state law enforcement agencies.
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