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June 21, 2024
Seller Financing Explained: A Comprehensive Guide to Understanding This Real Estate Option

Are you curious about seller financing? It’s a real estate game-changer for those who find conventional loans restrictive. This article explains how seller financing works and the benefits it offers. It also guides you through its different forms, helping you decide if it’s the right option for your transaction. Key Takeaways Understanding Seller Financing Owner […]

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June 19, 2024
Top Cape Coral Home Builder: Quality Craftsmanship and New Construction Expertise

If you are on the quest for a superior home builder in Cape Coral, look no further. This article showcases leading builders renowned for their high-quality workmanship, imaginative layouts, and commitment to customer satisfaction. Continue reading to learn about the builders capable of bringing your dream Cape Coral home to fruition. Key Takeaways 1 Discover […]

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June 17, 2024
Essential Guide to Moving to Cape Coral: What You Should Know

Relocating to Cape Coral offers numerous advantages, and this guide is designed to reveal why it’s a wise choice. It will delve into the cost-effective lifestyle, provide knowledge on the property market, highlight the abundance of outdoor activities available, and unveil additional reasons that make a living in Cape Coral, an attractive option for many […]

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June 14, 2024
Understanding Earnest Money: A Buyer’s Guide to Upfront Real Estate Payments

Are you curious about the role of earnest money in real estate transactions? Earnest money is a deposit placed by a buyer to show commitment to a home purchase. This article demystifies earnest money, guides you on its importance, determines the ideal amount, and protects your investment throughout the buying process. Key Takeaways The Role […]

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June 12, 2024
Top Rated Cape Coral Mortgage Broker Insights for Your Dream Home Purchase

In Cape Coral, securing a home loan requires a knowledgeable mortgage broker who can tailor solutions to your needs. Whether you’re buying your first home or considering refinancing, our guide provides the insights you need to choose a Cape Coral mortgage broker—ensuring you secure the best rates and service for a hassle-free home buying journey. […]

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June 11, 2024
Unlock Your Real Estate Potential in the Prairie State: Your Essential Guide to DSCR Loan Illinois

Struggling with the constraints of traditional loans in Illinois’s real estate market? A DSCR loan Illinois may provide the flexibility you need. Unlike conventional loans that consider personal income, a DSCR loan hinges on your investment property’s cash flow to determine eligibility. This guide demystifies DSCR loans in Illinois, stepping you through the qualifying criteria […]

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June 7, 2024
Discover the Top Picks for Cape Coral’s best Neighborhoods in 2024

If you’re hunting for the best Cape Coral neighborhoods, you want clear, actionable insights—no fluff. This guide delivers a straightforward look at where to find the ideal living situation, whether you prioritize a family-friendly environment, waterfront leisure, or value growth. We’ve analyzed the charm, the amenities, and the real estate dynamics to unveil Cape Coral’s […]

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June 5, 2024
Discover the Benefits Of The Family Opportunity Mortgage in Cape Coral for Your Loved Ones

Are you considering a Family Opportunity mortgage in Cape Coral for elderly parents or a disabled loved one’s home? Considered for favorable terms akin to a primary residence, this loan can be a lifeline. Our thorough guide demystifies the process, from eligibility to application, and unravels the specific benefits for Cape Coral families, ensuring you […]

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June 3, 2024
Maximize Your Investment with the Efficient DSCR Loan Calculator

Looking to secure a loan based on your property’s income rather than your personal financial history? The DSCR loan calculator is key in determining if your cash flow qualifies. This article provides clear, concise instructions on how to use the calculator, what figures you need, and what the DSCR results mean for your loan prospects. […]

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May 27, 2024
Ready to Buy? HomePath Loans are Your Ticket to Foreclosure Bargains

Navigating the purchase process of a Fannie Mae HomePath property is key to unlocking the full extent of its benefits. Our article strips away the complexity, revealing how HomePath can lead to affordable homeownership through exclusive financial incentives and a specially tailored buying process for Fannie Mae-owned properties. From expert insights on bidding strategies to […]

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May 24, 2024
Overcome the Nuances of Contingent Offers in Real Estate Transactions

In real estate, ‘contingent’ is a term every buyer and seller must know. But what does it truly imply? Put, a contingent offer, utilizing the contingent adjective, ties the purchase of a home to certain prerequisites dependent on specific conditions or circumstances, such as obtaining a mortgage or a satisfactory property inspection. These conditions, uncertain […]

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May 22, 2024
DSCR Loan Texas: Discover Real Estate Success for Profitable Ventures

Navigating the nuances of a dscr loan texas is a decisive step for savvy real estate investors. This no-nonsense guide focuses directly on what you need to know: the framework of acquiring a DSCR loan, its eligibility requirements, and the competitive edge it provides in the Texas real estate market. Learn how to employ the […]

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May 20, 2024
DSCR Loan Missouri : Discover Real Estate Success for Profitable Ventures

If you’re investing in Missouri real estate, you may wonder how a dscr loan missouri offers a flexible financing solution. Designed specifically for property investments, a DSCR loan in Missouri bases approval on your property’s income, not your paycheck. This article provides a straightforward look at how these loans operate, their benefits, and the straightforward […]

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May 17, 2024
Stay Ahead of the Game: DSCR Loan Florida Game Plan for 2024 Investors

Are DSCR loans the right choice for your Florida investment properties? Tailored to investment strategies, DSCR loan Florida options rely on projected rental income rather than your personal financial history. This article unpacks the straightforward path to securing investment capital including eligibility norms, tangible benefits, and strategic comparisons without the complexity of conventional mortgages. Navigate […]

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May 15, 2024
Building Your Future: Rent to Own Homes Put You on the Road to Homeownership

Rent to own homes offer an alternative for those who aren’t quite ready for a traditional mortgage. Our guide covers the key factors: agreements, financial considerations, and how to tread carefully through the process toward owning a home. Key Takeaways Deciphering Rent to Own Contracts Embarking on how rent-to-own work can seem daunting. Essentially, these […]

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May 13, 2024
Smart Money Moves: How A Mortgage Recast Can Lighten Your Financial Load

Are you considering a recast mortgage to achieve a lower monthly mortgage payment without altering your interest rate or loan term? A recast mortgage specifically aims to lower monthly obligations by making a large lump-sum payment towards the loan’s principal and having the lender re-amortize the balance, resulting in smaller payments. This article explains how […]

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May 7, 2024
Master Your Home Makeover with the Homestyle Renovation Loan: A Comprehensive Guide

Are you planning to purchase a fixer-upper or contemplating major home renovations but are uncertain about your financing options? The Homestyle Renovation Loan offers a solution by consolidating the purchase or refinancing of your home with the cost of its renovations into one loan. Understand what a Homestyle Renovation Loan can do for you, how […]

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May 7, 2024
Exploring What is a Spec Home: Benefits And Considerations for Buyers

What is a spec home? It’s a property built by developers on speculation, with the aim of attracting a buyer once it’s completed. Skipping the customization stage of building a house, spec homes typically offer coveted features and quick move-ins. If you’re considering the path of a spec home purchase, you’ll find comprehensive insights here […]

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May 6, 2024
Essential Guide to the 4 Point Inspection: What Homeowners Must Know

What is a 4 point inspection, and why does it matter for your home insurance? This quick assessment targets your home’s critical systems: roof, electrical, plumbing, and HVAC. Insurance companies require it to gauge the risk of older properties. This article explains the process, its impact on insurance eligibility, and how to properly prepare without […]

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May 5, 2024
Understanding Escrow Shortage: Navigating Your Mortgage Payments with Confidence

An escrow shortage in your mortgage means less money for taxes and insurance, leading to increased monthly mortgage payments. This article cuts through the confusion to explain why and what you can do about it, ensuring you’re well-prepared to navigate and rectify such shortfalls in your home financing journey. Key Takeaways Demystifying Escrow Shortage: Causes […]

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May 3, 2024
Texas Property Tax Assessment: What Can You Do About High Taxes?

Property taxes represent a significant expense for homeowners across Texas. In this guide, we’ve collaborated with the property tax experts from Gill, Denson & Company to delve into the intricacies of Texas property taxes and provide important guidance on protesting them. This article aims to equip you with an understanding of your rights as a […]

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May 2, 2024
The Fannie Mae HomeReady First Mortgage Revamped for 2024 to help more First Time Home Buyers.

Looking for an affordable mortgage option? The Fannie Mae HomeReady program, also known as the Fannie Mae Home Ready program, may be the solution. It provides low down payment options and flexible income criteria for low—to moderate-income borrowers. This article cuts through the complexity to explain how you can qualify and the benefits that make […]

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April 26, 2024
Bank Statement Loans: A Versatile Financing Solution for Self-Employed Individuals

For self-employed individuals with income that does not come from traditional sources, bank statement loans present a different path to securing a mortgage. This article illuminates the criteria for qualification, highlights the adaptable advantages of such loans, and supplies you with necessary insights to undergo the application procedure successfully. Key Takeaways Understanding Bank Statement Loans […]

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April 25, 2024
Understanding DSCR Loans in 2024: Your Key to Investment Property Financing

Struggling to secure financing for your rental properties? DSCR loans may be the key, tapping into your investment’s rental income potential instead of your personal finance details. Discover how these loans work and why they could be the smart solution for building your real estate portfolio. Key Takeaways Decoding DSCR: The Investor’s Path to Property […]

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April 24, 2024
Maximizing Income with Top Strategies for Managing Rental Properties

Optimizing your rental properties for maximum returns starts with effective management. Our no-fluff guide provides strategies for finding the right location, managing your finances, and keeping tenants happy. With the practical tips, you can set yourself up for real estate success. Key Takeaways Understanding Rental Property Types Property managers oversee various rental properties, such as […]

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April 23, 2024
Anticipating the Impact: How the Pending Fed Rate Cuts 2024 Could Reshape Economic Landscape

If you’re following the buzz around potential fed rate cuts 2024, you’re likely wondering exactly how they might impact your wallet or the broader economy. Rate cuts are a tool used by central banks, like the Federal Reserve, to stimulate economic activity by making borrowing cheaper. But the ripple effects can touch everything from your […]

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April 22, 2024
Pre Qualified vs Pre Approved: Unlocking the Best Path to Your Home Loan

Are you confused about ‘pre-qualified vs pre-approved’ in the context of home buying? Pre-qualification is your first glance at loan eligibility, requiring minimal financial information, whereas being qualified and pre-approved involves a more thorough review, presenting you as a committed buyer to sellers. Discover the nuances and implications of each in our comprehensive guide to […]

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April 5, 2024
Understanding Home Loans: Mortgage Broker vs Loan Officer Explained

Deciding between a mortgage broker vs loan officer is crucial in your home loan journey. This comparison demystifies their roles, unveils each’s pros and cons, and equips you with essential insights to make the choice that fits your financial goals. You’ll learn the key differences without jargon, preparing you to partner with the right mortgage […]

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December 20, 2023
Say Goodbye to Financial Worries: Uncover the Hidden Gems of Upstart Personal Loans for Ultimate Peace of Mind

At Beacon Lending, we believe in transparency and integrity in all our interactions with our valued customers. To maintain the trust you place in us, we want to make it clear that some of the links on our website may be affiliate links. This means that we may earn a commission if you click on […]

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December 12, 2023
Condotel Financing 101: A Comprehensive Guide for Homebuyers Struggling to Find the Right Options

If you’re in the market for a vacation home or an investment property, you may have come across the term “condotel.” A condotel, also known as a “condo-hotel,” is a type of hybrid property that combines elements of both a condominium and a hotel. It can be an attractive option for buyers looking for a […]

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November 30, 2023
Avoid Common Mistakes: Tips for Successfully Navigating Family Opportunity Loans

Family Opportunity Loans are a special type of mortgage that allows you to buy a home on behalf of a family member. It’s like having a co-pilot on your journey to homeownership. In essence, it’s a loan that provides flexibility and favorable terms for those lucky enough to have family support. This article is your […]

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November 27, 2023
Debt Service Coverage Ratio Loans 2024: How to Qualify in 5 Easy Steps!

DSCR, or Debt Service Coverage Ratio, might sound like a secret code, but it’s your ticket to financing your business endeavors or buying that dream property. In simple terms, DSCR is a financial metric lenders use to determine your ability to cover your debt payments. The higher your DSCR, the more financially robust you appear […]

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November 24, 2023
Unlock Financial Freedom for Your Loved Ones: Family Opportunity Loan Guide

Are you planning to purchase a house for a family member? Maybe find a place where your parents can live comfortably? Then you’re about to learn that the real estate industry can sometimes be a confusing maze of paperwork and statistics. Thankfully, the “Family Opportunity Loan” is like the golden ticket of home financing— it […]

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November 20, 2023
Modular vs Manufactured Home Loans: Which is the better deal?

Building your ideal home from the ground up seems like a far-off fantasy because housing expenses are always rising. But you’re not alone—according to the National Association of Realtors, the average cost of a newly constructed home in the United States as of June 2023 is over $400,000! That alone should cause anyone to reconsider […]

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November 20, 2023
Fannie Mae Approves 5% Down Payment Loan for Multi-Family Homes

A recent announcement from Fannie Mae has revealed a sizable modification to the down payment requirements for multifamily properties. The powerhouse in mortgage lending will accept 5% down payments for loans on multi-family owner-occupied homes in the near future. Naturally, there are prerequisites for eligibility. However, this regulation modification offers a chance for those who […]

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November 17, 2023
Elevate Your Financial Game: Family Opportunity Loans and Wealth-Building

Wealth-building is the ultimate financial adventure. While it’s true that being wealthy takes time, the process doesn’t have to be difficult. Indeed, it resembles going on a treasure hunt where the goal is to find generational wealth. This is the point at which financial strategy decisions are made. Helping Americans create assets and purchase a […]

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November 17, 2023
The Secret to Affordable Homeownership: Family Opportunity Loans vs. Traditional Mortgages!

Hey there, future homeowners! If you’re attempting to purchase a home for a family member, there are two major options you should be looking at. However, finding the ideal mortgage to make your home purchase dreams come true can quickly become a nightmare without the right information. There’s so much to consider from tax implications […]

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November 16, 2023
Finance Your Dream Home: How to Obtain A Cannabis Mortgage in 2023

If you work in the cannabis industry, obtaining financing options for the home of your dreams may have felt unattainable until now. The uncertainty of approaching lenders who may not be willing to provide mortgage options to people whose major income comes from this industry—even though legal, is genuinely daunting. But thankfully, it’s mostly an […]

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November 6, 2023
The FHA Good Neighbor Program

A distinctive and cutting-edge government project, the Good Neighbor Program of the Federal Housing Administration (FHA), commonly referred to as the “Good Neighbor Next Door” initiative, aims to build communities and encourage some public officials to own homes. The U.S. Department of Housing and Urban Development (HUD) established this program to give qualified teachers, firemen, […]

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November 2, 2023
Navigating Current Mortgage Rates for Wise Homebuying in Texas

It’s no news that the state of Texas has a housing market that is just as diverse as its very broad landscape. The Texas real estate market has a house for practically every type of homeowner, from the bustling real estate hotspots of Houston, Dallas, and Austin to the tranquil suburban villages and scenic rural […]

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October 30, 2023
First-Time Home Buyer’s Guide to FHA Loans In Colorado

Homeownership has long been seen as a pillar of the American dream, symbolizing stability, security, and a sense of success. Many people desire to accomplish it and for a good cause. Aside from the emotional and personal rewards, homeownership also has financial benefits. Mortgage payments can develop equity over time, and mortgage interest can provide […]

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October 26, 2023
Florida’s Real Estate Landscape: Navigating Home Loans

Florida hosts such a vibrant real estate market that attracts homebuyers from all over the country and the world. Florida State has always held an allure for individuals eager to invest in their dream houses or find profitable real estate opportunities, thanks to its magnificent beaches, mild climate, and dynamic culture. However, because of these […]

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October 23, 2023
The Ultimate Guide to Securing Low-Interest Family Opportunity Loans in Texas

Even though they are not well-known, Family Opportunity Loans, often referred to as “Family Member Mortgages” or “Intrafamily Loans”, give families in Texas a special chance to have access to affordable financing for real estate acquisitions. These loans are specially made to help families buy houses for the use of family members, sometimes including multigenerational […]

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October 19, 2023
VA Loans vs. Conventional Mortgages: Making the Best Choice for Colorado Veterans

Veterans who have faithfully served our country are well-represented in Colorado’s dynamic community. In addition to our gratitude, these heroes deserve all the chances they can get to succeed, including becoming homeowners. The world of home financing can be both exciting and scary to navigate, and veterans in Colorado primarily have two choices. They include […]

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October 16, 2023
How to Improve Your Credit Score for Better VA Loan Rates in Florida

In the flourishing state of Florida, VA loans stand out as a particularly effective financial choice for veterans and active-duty military personnel. These loans provide an excellent opportunity to become a homeowner and provide a lot of benefits, being backed by the U.S. Department of Veterans Affairs. However, if you want to be eligible for […]

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September 14, 2023
Debt Service Coverage Ratio | Short vs Long Term Rentals | Pros and Cons

Real estate investments have long been a popular way to build wealth for physical assets that can increase in value over time. However, when looking to maximize profits and minimize risks, funding these investments frequently necessitates careful thinking. The Debt Service Coverage Ratio (DSCR) loan is a crucial component of real estate finance and a […]

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September 7, 2023
How to Apply for VA Loans

Veterans Affairs loans, often known as VA loans, are effective financial instruments created to assist qualified veterans and active-duty military members in realizing their ambition of becoming homeowners. These loans, which are supported by the U.S. Department of Veterans Affairs, provide several advantages over conventional mortgages. We’ll walk you through every step of applying for […]

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August 1, 2023
What Are The Requirements For A Construction Loan?

Construction Loans: A Current In-Depth Analysis Construction loans are specialist financing choices made to pay for building a new home or making significant improvements to an existing one. Work loans give money in payments while the work is done, as opposed to conventional mortgages, which give money all at once. We’ll take a comprehensive look […]

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July 27, 2023
A Comprehensive Guide To House Equity Line of Credit and Home Equity Loan

Your Guide to HELOCS and HELOANS Leveraging the value of your house can be a useful financial strategy for homeowners. The House Equity Line of Credit (HELOC) and the Home Equity Loan (HELOAN) are two great ways to access the equity in your house. Homeowners now have the chance to obtain cash for a variety […]

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July 27, 2023
How Will Student Loan Forgiveness Affect The Economy

Student Loan Forgiveness Millions of borrowers have suffered financially as a result of the spiraling student debt problem in recent years, making it more difficult for them to attain their goals and maintain financial security. But as 2023 progresses, a ray of light appears for people who are struggling under the weight of this student […]

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July 7, 2023
DSCR Loans Colorado

DSCR Loans Colorado: Unlocking Real Estate Investment Potential If you’re a real estate investor in Colorado, you’re likely searching for financing options that align with your investment goals. One option worth exploring is the DSCR Loan, also known as the Debt Service Coverage Ratio Loan. By understanding the unique benefits and advantages of DSCR Loans […]

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July 7, 2023
VA Loans Colorado

VA Loans Colorado: Unlocking Homeownership Opportunities for Veterans If you’re a veteran or active-duty service member looking to achieve the dream of homeownership in Colorado, VA loans can be an excellent financing option for you. VA loans are government-backed loans specifically designed to provide affordable and accessible mortgage solutions to those who have served or […]

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July 3, 2023
DSCR Loan Texas

DSCR Loan Texas: An Attractive Option for Real Estate Investors If you’re a real estate investor in Texas looking to finance your investment ventures, you may be exploring various options available to you. One unique and appealing choice is the Debt Service Coverage Ratio (DSCR) Loan. Understanding the basics of this program can help you […]

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June 30, 2023
SBA LOANS IN TEXAS

Small businesses in Texas often face challenges securing the necessary funding for growth and expansion. However, they can find support through the Small Business Administration (SBA) loan programs specifically designed for Texas businesses. Two popular SBA loans in Texas are the SBA 504 and SBA 7A loans, both of which play a vital role in […]

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June 30, 2023
First Time Home Buyers in Texas

First time home buyers in Texas face similar challenges when it comes to saving up for a down payment. If you’re looking for first time home buyer programs in the Texas market, here’s an overview of down payment assistance programs that may be available to you. Why Down Payments are Important for First Time Home […]

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June 14, 2023
SBA Loan for Liquor Stores, Day Cares, Assisted Living, and Flagged Hotels

Unlocking Financial Opportunities: SBA Loan Empowers Liquor Stores, Day Cares, Assisted Living, and Flagged Hotels Discover the financial possibilities for liquor stores, daycares, assisted living facilities, and flagged hotels with SBA loans. These specialized loans offer unique opportunities to support and grow businesses in these industries. Whether you’re looking to expand, renovate, or start a […]

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May 23, 2023
Mastering Debt to Income Ratio: Insights from Fannie Mae, FHA, VA, and Non-QM Lenders

Debt to Income Ratio The debt-to-income ratio (DTI) is a significant financial indicator that compares a person’s monthly debt payments to their total monthly income. It plays a big role in determining whether or not you qualify for a loan and how stable your finances are. Gainesville, Jacksonville, Tampa, and St. Petersburg have recently recorded […]

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May 23, 2023
The Impact of Debt Ceiling and Mortgage Rates

Debt Ceiling and Mortgage Rates The term “US debt ceiling” refers to the legal cap on how much money the US government may borrow to fund its operations and settle its debts. It is determined by Congress and reflects the highest possible amount of debt that the country may incur. The government must take action […]

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May 22, 2023
VA Loans in Texas

Looking For VA Loans in Texas? Veterans and active-duty service members in the United States enjoy a distinct advantage when it comes to homeownership because of the availability of VA loans in Texas. Loans for the purchase or refinancing of a house that is insured by the Department of Veterans Affairs (VA) for qualified veterans, […]

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May 22, 2023
Everything You Need To Know About SBA Loans

SBA LOANS Small businesses frequently have trouble getting the funding they need for development and growth. But the Small Business Administration (SBA) throws these businesses a lifeline in the form of SBA loans, which are essential to their success. The SBA 504 and SBA 7A loans are two well-liked SBA lending programs. Additionally, a significant […]

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May 22, 2023
Down Payment Assistance Programs Florida – St. Petersburg, FL

Down Payment Assistance Programs Florida For many people and families, buying a house is an important milestone, but the associated costs may sometimes be prohibitive, especially for first-time buyers. However, there are several down payment aid programs accessible in St. Petersburg, FL, to help make homeownership more feasible. Down Payment Assistance Programs in Florida are […]

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May 22, 2023
USDA Rural Development Loan

The USDA Rural Development Loan is an initiative created to assist Americans living in rural areas realize their dream of becoming homeowners. Low-income people can get the financial support they need through this financing program to buy homes in rural areas. It is impossible to exaggerate the significance of the USDA Rural Development Loan. Owing […]

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May 22, 2023
First Time Home Buyer Programs in Florida – Orlando, FL

First-time home buyers in Florida and all of the Down Payment Assistance Programs in Orlando, FL First time home buyer programs in Florida offer solutions to residents who frequently struggle with the demanding challenge of saving up a down payment for their ideal home. To make wise choices when buying a home, one must be […]

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May 3, 2023
New Mortgage Fee Structure 2023

Interest rates, loan conditions, and fees have always been vulnerable to change in the mortgage sector due to market changes, new rules, and government policies. Mortgage lenders are preparing for another significant shift as 2023 approaches: a new mortgage fee structure affecting borrowers nationwide. A new fee schedule that will change how mortgages are priced […]

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April 24, 2023
Down Payment Assistance Loans: A Comprehensive Guide

What Are Down Payment Assistance Loans? Purchasing a house requires a substantial financial commitment and can be intimidating for many, particularly when it’s related to the down payment. An advance payment made to reserve a property known as a down payment is a portion of the home’s total cost. This sum might be significant, making […]

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April 24, 2023
FHA 40-Year Mortgage 2023 – Fact Or Fiction

40-Year Mortgage? When it comes to buying a home, securing a mortgage is often the biggest hurdle. Homebuyers have a variety of mortgage options to choose from, and one of the most popular options is a 30-year fixed-rate mortgage. However, in recent years, there has been growing interest in 40-year mortgages, which offer lower monthly […]

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April 24, 2023
Will The Fed Lower Interest Rates In the second half of 2023?

Lower Interest Rates In 2023? The US economy is constantly changing, and it can be difficult to keep up with the latest trends and developments. As of April 2023, the economy is in a state of flux, with some indicators suggesting a possible recession on the horizon. This has led many to wonder whether the […]

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April 24, 2023
Must Read If You’re Curious About FHA Loans Florida

FHA Loans Florida, what are they? A mortgage application can be intimidating for many first-time homebuyers, especially if they have poor credit or little money set up for a down payment. The Federal Housing Administration (FHA) does, however, provide a choice that might increase access to homeownership. We will go through the definition of FHA […]

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April 24, 2023
FHA Loan Texas: Your Complete Guide to Buying Your First Home

Mortgage loans that are backed by the Federal Housing Administration (FHA) are known as FHA loans. They were developed to offer more flexible qualification requirements than conventional loans, making homeownership more accessible to a larger spectrum of people. Continue reading to learn how to apply for FHA Loan in Texas FHA loan Texas first-time homebuyers […]

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April 11, 2023
Using DSCR Loan for Atlantic Florida Properties

DSCR Loans on the Atlantic side of Florida The Atlantic side of Florida is a popular place for investors to look. They are aware that there are a lot of investment possibilities in Atlantic Florida Properties, especially in rental houses and business buildings like restaurants and shopping malls. Because retirees desire to relocate from other […]

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April 11, 2023
Using A DSCR Loan For Rental Property

There are several different loan kinds available in the multifamily real estate market for financing a property. A DSCR loan is one kind of loan that is rather useful. We will examine using a DSCR Loan For Rental Property in more detail in this post, along with the financing options available for 5-8 unit building […]

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April 11, 2023
Gulf Coast Investment Properties

DSCR Loans in the Gulf region of FLORIDA One of the tried-and-true methods for creating generational wealth is investing in the property sector. There are numerous sectors you can choose to specialize in, from residential units to company premises and even land, whether you are an experienced investor or you’re new to the field. But […]

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April 10, 2023
DSCR Loan For Airbnb

Reasons why DSCR loans for Airbnb are the best way to build your business. Debt service coverage ratio loans are also known as DSCR loans. This sort of loan is designed for real estate investors and places greater emphasis on the asset’s debt service coverage ratio (DSCR) than the borrower’s income. This implies that a […]

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January 11, 2023
FHA Loans In Texas – Top 9 Reasons To Take Advantage Of This Program

People with less-than-ideal financial situations might use an FHA loan to buy a property. First-time homeowners who don’t have enough time to save much for a deposit or pay off all of their bills yet can benefit greatly from this sort of financing. A conventional mortgage isn’t secured by a federal agency, and getting one […]

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January 11, 2023
FHA vs Conventional: Which Mortgage is Right For You?

It might be challenging to distinguish between conventional and federal housing administration (FHA) loans. When concepts like debt-to-income ratios, interest accrual, private mortgage insurance, and insurance premiums are mentioned, you may find yourself wanting to call Fannie Mae and Freddie Mac and voice your concerns. Making an informed choice requires having a thorough understanding of […]

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January 11, 2023
Why Choose A Mortgage Broker Over A Bank Or Mortgage Lender?

Who has the very best mortgage interest rates between a mortgage broker and a bank? You primarily have two choices when looking for a home loan: a bank or a mortgage broker. In light of your financial condition, one might be preferable to the other. A candidate with a higher credit score can make more […]

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January 11, 2023
Construction Loans:  A Comprehensive Exposure

Finding the ideal home may be a pleasant but difficult task. Some people don’t even know where to begin when looking for a home because there are so many things to take into account, such as location, size, and house style. Buyers frequently discover that some homes satisfy the majority of their needs, while others […]

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December 20, 2022
6 Reasons People Love Steamboat Springs

Since the pandemic, there has been a significant change in how individuals think of where they reside because remote employment has created a whole new range of opportunities. Many people now live where they wish to live rather than where their business just so gets to have an industrial building. They may now “clock in” […]

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December 20, 2022
Reasons Why People Love Vail Colorado

What is it about Vail, Colorado, that makes it such a terrific place to live? The answer is yes, and it’s important to consider all the reasons Vail is such a beautiful location to call home. There are valid reasons why an increasing number of people every year decide to leave their busy city lives […]

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December 20, 2022
7 Reasons People Love Frisco Colorado

Searching for a new residence for your family may be a stressful and unpredictable process. To select a place to call home whereby each family member feels as they fit, you should investigate the local eateries, cultural attractions, and more. Along with making sure your new house is secure, you want to ensure your children […]

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December 20, 2022
7 Reasons People Love Grand Junction

A great place to live is Grand Junction, a bustling city in Colorado’s Grand Valley. Numerous outdoor activities, breathtaking natural settings, a vibrant city, a wide variety of restaurants, and much more are all close by. Our top seven reasons for loving Grand Junction are listed below. Content brief You Won’t Be by Yourself Working […]

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December 10, 2022
Top 6 Reasons People Love Colorado Springs

Unquestionably, Colorado Springs is one of the most beautiful cities in the United States. Colorado Springs is a place that is a treasure, with stunning mountains and lovely weather. In addition, it is replete with amazing quaint areas anyone would love to live in. The city has a lot to offer people that are looking […]

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December 10, 2022
6 Reasons Why People Love Aurora, Colorado

Everyone enjoys the laid-back atmosphere of Aurora, Colorado, including pensioners, soldiers, immigrants, and millennials. No matter your age group or idea of a good time, Aurora knows how to cater to all. The Rocky Mountains are only an hour’s drive from Aurora, which is in the southern part of Denver. On weekends, you’ll have plenty […]

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December 9, 2022
5 Reasons People Love Fort Collins, Colorado

Originally a classic college town, Fort Collins, Colorado, is now attracting residents of all ages who want to live there, work there, start businesses there, and take advantage of the relaxed yet vibrant lifestyle. At the forefront of several “best of” lists, these days is Fort Collins, which boasts bikeable streets, a burgeoning tech economy, […]

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December 9, 2022
Top 7 Reasons Why People Love Denver, Colorado

Were you aware that Denver, Colorado, was ranked among the greatest cities in which to live in the country? The expanding city came in at number 14, followed by Madison and San Francisco. And chances are that if you’re reading this, you’ve already thought of relocating to Denver, Colorado. But do you require any further […]

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December 1, 2022
5 Reasons to live in Durango, Colorado

The little town of Durango, located in the southwest of Colorado, is home to an alluring array of historical landmarks and cultural tourism destinations if you are thinking of a mortgage so that landmark is for you. There are several amazing outdoor recreation activities and other exciting things to do when you are living in […]

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December 1, 2022
5 Reasons why people absolutely love Boulder Colorado

Boulder was rated “The Happiest City in the United States” by National Geographic in 2017. This description makes sense given the town’s thriving employment market, unrivaled mountain scenery, and happy locals. The choice to relocate to Boulder, a wonderful city, might be a big one. Is it worthwhile, though? Let’s highlight some of the pros […]

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November 19, 2022
Debt consolidation in 2023

The monthly expenditures of high-interest debt can be too much for your budget to handle. Debt consolidation may be the greatest way out of this dilemma for some people. To reduce interest payments, debt consolidation pays off all of your high-interest debt with a single, lower-interest loan. A home equity loan or debt consolidation helps […]

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November 19, 2022
FHA Bankruptcy Waiting Period

Introduction Take comfort if your plans to purchase a house were delayed due to bankruptcy: If your bankruptcy was dismissed within the last one to two years, you may be eligible for an FHA loan. Contingent on whether you filed a Chapter 7 or Chapter 13 bankruptcy, FHA criteria allow you to qualify for a […]

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November 9, 2022
What are the Best Renovation Loans? – FHA 203K Loan, Fannie Mae HomeStyle, or Freddie Mac CHOICERenovation Loan

More often than not, moving into a new house requires some kind of work and customization before it can truly feel like home. Renovations are an important and exciting part of homeownership, but they often come with a hefty expense. An easy way around this problem is a home renovation loan, which provides homeowners easy […]

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November 9, 2022
Fannie Mae Home Ready Vs Freddie Mac Home Possible

With government-backed mortgage plans, buying a home without paying a large chunk of a down payment may only seem possible. However, government-sponsored agencies such as Freddie Mac and Fannie Mae have programs that provide low-deposit loans. These are the Freddie Mac Home Possible and Fannie Mae HomeReady mortgage programs. These programs offer a 3% down […]

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November 8, 2022
A Comprehensive Guide to Cash Out Refinancing

A cash-out refinance is a popular way for homeowners to access the equity they have built up in their homes. It can be used to consolidate debt, make home improvements, or cover any other expenses. This article will discuss the main reasons people use a cash-out refinance and provide an overview of the different types […]

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November 8, 2022
Texas Cash-Out Refinance For 2023: Everything You Need To Know

A cash-out refinance is entirely feasible in Texas if you have adequate home equity. Although Texas’s cash-out refi regulations differ slightly from those in other states, they are no longer as severe as they formerly were. Things are a bit more different in 2022. You ought to be allowed to get your mortgage refinance, and […]

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October 28, 2022
What is a 2-1 Buydown and How Can It Benefit You?

What is a 2-1 Buydown? This mortgage lending program is becoming more and more popular as the economy starts to slow down. In a nutshell, a 2-1 buydown is a program composed of seller concessions to help home buyers obtain a lower initial rate on their new mortgage. 2% lower than the quoted rate for […]

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October 27, 2022
Can You Use Disability Benefits Income to Qualify for a Mortgage?

Disability benefits are a vital part of many Americans’ lives. They provide much-needed financial assistance to those who are unable to work due to a disability. Disability benefits can also be used to qualify for a home mortgage. In this blog post, we will discuss everything you need to know about using disability benefits income […]

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October 14, 2022
How The Family Opportunity Mortgage Program May Help Save You Money In 2023

What is an Opportunity Mortgage Loan? Five Money-saving Strategies Are you looking to purchase or refinance an existing home but are struggling with the idea of taking on a large mortgage? Or, are you trying to find a way to help out a family member who is struggling to get into the housing market? If […]

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October 3, 2022
The 5 biggest DSCR investor loan mistakes when buying or refinancing rental property

The 5 biggest mistakes DSCR investors make when buying or refinancing a rental property. 1. Not understanding what a DSCR investor loan is DSCR is a ratio that is used to determine whether a property can generate enough income to cover its debt payments. It is calculated by dividing the property’s net operating income (N.O.I) […]

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September 9, 2022
VA Loan with Bad Credit: Everything You Need to Know

VA Loan with Bad Credit: Everything You Need to Know If you are a veteran or active duty military personnel and have a bad credit score, you may be wondering if you are still eligible for a VA home loan. The good news is that you most likely are! In this blog post, we will […]

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September 9, 2022
Using An FHA Loan During Recession

It’s no secret that the housing market is cyclical. What goes up, must come down. And while no one can predict when the next recession will hit, it’s always a good idea to be prepared. If you’re thinking of buying a home in 2022, here are five money-saving reasons why you should consider buying a […]

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September 9, 2022
Is Buying House During the Market Crash Is a Good Idea?

Recession or not, the current housing market has seen a major shift. If you are in the market for a home or investment property, you may be wondering if buying a house during a recession is a good idea. If you are in the position to do so, it may just be the perfect time […]

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August 26, 2022
DSCR Loan Pro Tips For Real Estate Investing

So What Is A DSCR Loan? Listen to this video to get the 1-minute DSCR Loan basics. How Can You Use A DSCR Loan For Real Estate Investing? DSCR Real Estate investing, when done with the proper strategy and implementation, can lead to great success. The following are 3 pro tips to successfully purchase your […]

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May 27, 2022
Top 8 Neighborhoods in Tampa Area, St. Petersburg

Would you like to move to the Sunshine State? Explore your opportunities and learn about Tampa Bay Area, St. Petersburg: Top 8 Neighborhoods in Tampa.

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May 27, 2022
Buying a Home in St. Petersburg FL

Are you contemplating a move to the Sunshine state? Find out more about your mortgage options and read about buying a home in St. Petersburg FL.

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May 27, 2022
Buying a Home in Austin, Texas

This guide will show you the steps to take when moving through the buying process.

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May 27, 2022
Top Neighborhoods to Live in Austin Texas

Are you planning to join the mass migration to the Lone Star State? These are the most popular neighborhoods in Austin, right now.

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May 19, 2022
Pros and Cons of Reverse Mortgage In 2023

Top 5 Reasons to Choose a Reverse Mortgage in 2022 If you are in the market for a new home then surely you have a decent understanding of how mortgages work. But what are the Pros and Cons of Reverse Mortgage? It almost sounds like you’ll be getting money instead of paying the lender. And […]

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February 28, 2022
DSCR Loan Florida: Stay Ahead of the Game with Leading Options for 2024 Investors

Are DSCR loans the right choice for your Florida investment properties? Tailored to investment strategies, DSCR loan Florida options rely on projected rental income rather than your personal financial history. This article unpacks the straightforward path to securing investment capital including eligibility norms, tangible benefits, and strategic comparisons without the complexity of conventional mortgages, which […]

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February 28, 2022
VA Home Loans Florida

VA Home Loans and Mortgages Providing VA Home Loans in Florida to Veterans and Their Families. Beacon Lending Can Successfully Guide You Through the Home Loan Process Florida VA Home Loan Requirements To qualify for a VA home loan, you must fulfill certain criteria. If you’re not sure whether or not you’ll be approved, contact […]

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November 8, 2021
Delayed Financing and How It Can Benefit You

If the property has been purchased within the last six months, this is allowed to be done. While cash-out refinances have their set of guidelines, delayed financing is a tool that a lot of homeowners are using in today’s competitive real estate market. It is important to note how that six-month period is measured. That […]

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July 29, 2021
Asset Qualifier Loans

Whether you are looking to buy or refinance, you may want to consider asset qualifier loans if you have a large amount of assets and no way to prove a steady income. Borrowers may be under the impression that they are required to have a steady, 2-year work history with paystubs and w-2’s but that […]

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July 26, 2021
Eliminating Mortgage Insurance in the Colorado Real Estate Market

The current real estate market in Colorado can actually help provide opportunities for home owners to save money every month by eliminating mortgage insurance. Let us have a look at the current real estate market in Colorado and how, as a homeowner, you might be able to lower your monthly mortgage payments. Colorado’s Real Estate […]

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June 25, 2021
Reverse Mortgage- Home Equity Conversion Mortgage (HECM)

If you would like more information on Reverse Mortgages please click here. Benefits of a HECM While reverse mortgages are often seen as risky since the loan balance does need to be paid back, they do have their advantages. One benefit is that a HECM turns home equity into liquid cash in an easy manner. […]

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June 8, 2021
RefiNow: Making it Easier to Refinance

Beginning June 5th, 2021, Fannie Mae is making it easier to refinance with a program called RefiNow. This initiative is certain to lower interest rate and monthly payments for certain low-income borrowers. Households earning 80% or less of their area’s median income are likely eligible so long as they can meet other requirements. According to […]

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May 22, 2021
Getting a Loan for a Rental Property: The Requirements

If you have come to the conclusion that the best place to invest your money is in rental property, you have made a commendable decision. But what is the next step after that? For most people getting into investment real estate for the first time, would require getting a loan for a rental property. That […]

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March 31, 2021
How Divorce Affects Your Credit Score

How divorce affects your credit score is a common concern for many people who have a lot of joint assets. In this article we discuss what you will want to pay attention to if you are going through this challenging time. Dissolving a marriage is challenging in many ways. If you find yourself in this […]

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March 30, 2021
A Mortgage Broker with RCS-D™ Designation is Important for Anyone Buying or Refinancing While Going Through a Divorce

A Mortgage Broker with RCS-D™ designation can be extremely beneficial for anyone trying to purchase a new home or refinance an existing mortgage while going through a divorce. Divorcing couples need to make several decisions when parting ways; what to do with your shared home may be one of them. With the marital home typically […]

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March 11, 2021
Unlocking the DSCR Loans Program?: How are they a benefit to property investors in 2024 and beyond?

DSCR loan are a useful option for financing your real estate investment transactions. Real estate investing has intrigued many people throughout the years for its quick potential to generate a positive cash flow. When researching how to go about financing those investment ventures, you may be wondering what options are available to you. No two […]

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February 28, 2021
Condos in Dillon, Colorado offer Luxury Living Opportunity

As of early 2021 luxury condos in Dillon, Colorado are fairly hard to find. That is not the case anymore as Uptown 240 will provide luxury condos located just off the shore of Lake Dillon. Luxury Condos in Dillon, Colorado Provide a Perfect Year Round Escape Summit County is the sweet spot for people who […]

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November 6, 2020
Renovation Home Loans Made Simple for Home Owners in Colorado

Renovation Home Loans Could Be Your Ticket Renovation Home Loans can be an extremely attractive option for home owners in Colorado looking to upgrade their home. Whether you are getting ready to put your home on the market or simply have more time at home due to the COVID-19 pandemic, a renovation home loan can […]

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October 30, 2020
How You Can Afford the Closing Costs on a Mortgage

Before you get your heart set on the home of your dreams you will want to make sure you can afford the closing costs on a mortgage. One of the largest barriers preventing people from buying a new home are these closing costs. Viewing the Estimated Cash at Closing on your loan worksheet can be […]

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October 23, 2020
6 Types of People Who Would Enjoy Living in Golden Colorado

Are You Considering Moving To Golden Colorado? Find out what makes living in Golden Colorado so special, and why living in Golden Colorado might be right for you. People already living in Golden Colorado know it is an outdoors enthusiast’s haven. While Colorado is changing so much this community is tucked in among all the […]

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October 8, 2020
How much money do you need for a down payment on a mortgage?

A down payment on a mortgage can be one of the largest obstacles you face as you embark on the journey towards home ownership. Despite what you may have heard 20% is not required. There are a lot of options ranging from 0% to 20% depending on your situation. How much down payment on a […]

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September 28, 2020
5 Important Questions to Ask a Mortgage Broker

It is crucial to know what questions to ask a mortgage broker as you start shopping for a new home. Asking the right questions can help you find a mortgage broker that understands your needs and might save you thousands of dollars over the life of the loan. Can we get a “TBD approval”? A […]

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September 19, 2020
5 Great Neighborhoods in Denver, CO

Here are 5 neighborhoods in Denver, CO you will want to consider if you are looking to relocate to the Denver area. These are 5 neighborhoods that are well established and are desirable with good reason. Washington Park Over the past decade it has become one of the most desirable neighborhoods in Denver. It is […]

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September 11, 2020
Minimum Down Payments on Mortgages – Considerations and Benefits

Understanding minimum down payments on mortgages and how they can work to your advantage is something to consider as you look to secure a home loan. Determining a down payment that is appropriate for you is a big piece of the puzzle and the answer depends on your situation and your goals. There are a […]

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September 2, 2020
How Energy Efficient Mortgages Provide a Big Benefit for Home Owners in Denver, CO.

Looking to upgrade your home? Energy Efficient Mortgages provide a way for homeowners to make energy efficient upgrades to their home at little to no cost. If you are buying or refinancing a home in Denver, CO with an FHA loan you will want to read this. You could increase the value of your home […]

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August 21, 2020
No Income Verification Mortgage Options in 2020

No income verification mortgage options do exist for people who are not able to provide proof of income through W2’s and tax returns. If you are a real estate investor, entrepreneur, or self employed then you may find these types of mortgage options appealing. After the housing market collapsed in the early 2000’s the Frank-Dodd […]

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July 29, 2020
FHA Loan for a Second Home?

Reasons to Consider an FHA Loan for a Second Home One reason to think about an FHA Loan for a second home is because you can put as little as 3.5% down. Contrast this to the requirement on a conventional loan that will require a minimum of 5% down on a 2nd home. This can […]

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July 21, 2020
Saving Money in 2020 with an FHA Streamline Refinance

Right now in 2020 we are experiencing historically low interest rates. Taking advantage of an FHA Streamline Refinance in 2020 could save you a lot of money over the life of your home loan by significantly lowering your monthly mortgage payment. What is an FHA Streamline refinance? A streamline refinance is  a mortgage refinance on […]

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July 13, 2020
6 Reasons to Consider a Jumbo Loan in 2020

Jumbo (non-conforming) Loan Overview  Auto Draft Do you know that a Jumbo loan in 2020 may be easier to qualify for? Jumbo loans are loans that exceed the loan limits of conventional loans, generally above $510,400 in 2020. This varies depending on the county so be sure to find out the exact loan limit amount. […]

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June 30, 2020
Mortgage Forbearance During the COVID-19 Pandemic

There is a lot of information circulating about mortgage forbearance during the COVID-19 pandemic. There are options and it is important for homeowners to educate themselves if they need help paying their mortgage. Below you will find straight forward information about mortgage relief options for homeowners affected by the Covid-19 pandemic in 2020. CARES (Coronavirus […]

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June 18, 2020
Down Payment Strategies for First-Time Home Buyers

It is finally time to buy your first home. This move has been in the making for many years and you are completely excited about the future. You have carefully protected your credit and your score is great. And you earn enough money to keep up with monthly payments.  All the boxes are checked, except […]

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June 2, 2020
6 Tips to Help You Improve Your Credit Score When You Apply for a Mortgage

It is no question that CREDIT SCORE is one of the biggest drivers in what will be your final interest rate, type of home loan, and how much home you can afford. The following are 6 tips to improve your credit score before you GO and get involved in a new home purchase and going […]

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November 22, 2019
Down Payment Assistance Options for Your Mortgage in Austin, TX

Purchasing a home is, no doubt, an exciting experience, especially if you are a first-time homebuyer. However, there is one thing that needs your thorough consideration, and that is the “down payment.” According to a survey conducted in 2018 on the rental marketplace, approximately 61.7% of millennials cannot afford a high down payment. However, if […]

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November 8, 2019
The Top 2 Home Builders to Consider in Hilton Head and Bluffton, South Carolina

With the Bluffton, SC area currently undergoing a massive boom, the town has quickly seen an influx of people. In fact, estimates say that the Bluffton population has doubled over the past decade. With all these individuals now moving into town, the need for fantastic, high-quality homes has perhaps never been more apparent. What that […]

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October 30, 2019
3 Effortless Reasons Nationwide High Balance Loans are better than Jumbo Loans

How can you get a loan for a new home purchase that is better then a jumbo loan if purchasing a home under $800,000? Simple, use Nationwide High Balance Loans, don’t get a jumbo loan. Rates on a Nationwide High Balance loan are almost a full percentage point better, and you will not have the […]

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October 27, 2019
Homes For Heroes Honors Heroes with a Place to Call Their Own

The VA first time home buyer program is an amazing guaranteed mortgage up to 100% of the purchase price from the Veteran’s administration, and can really jump start your real estate portfolio as you embark on your military career. Whether you are buying, selling, or refinancing your home, the homes for hero program is here […]

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October 24, 2019
A guide to the Best Home Builders in Austin, TX

Austin, TX is the fastest-growing city in the USA and drives a unique mix of history and culture. Many residents in Austin want to preserve that old feeling in the house that makes this city different and unique. Also, the city’s population is growing steadily, and so are the housing rates.  As per Zillow’s estimation, […]

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October 17, 2019
Why You Should Consider Buying a New Home in Bluffton, South Carolina

One of the fastest growing areas in the country, Bluffton, provides the ideal place to live for all individuals. In fact, the population has nearly doubled over the past ten years and shows no signs of stopping as more and more people learn why it is the ideal place to move to and buy a new home.

With a fast-growing population comes a vibrant and exciting downtown with plenty of new shops, stores, restaurants, and bars. The culture is vibrant, and continuing to evolve as more people come in.

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August 14, 2019
VA Loan Amount Limits To Be Raised in 2020

In June 2019, President Donald Trump signed a bill into law that will allow the Department of Veterans Affairs to guarantee loans that go beyond the normal conforming loan amount limit. The name of this new bill, H.R. 299, will allow all eligible VA homebuyers and VA homeowners to borrow, either for purchase or refinance […]

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July 23, 2019
Guide to Getting a Mortgage in Colorado With Student Loans in 2020

You definitely can buy a home with student loan debt. The type of mortgage you choose to apply for is crucial. If you are applying for a mortgage but have student student loan debt that you think will prevent you from buying a house, read this article first! Most likely you will need to choose […]

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July 15, 2019
FHA Loans Denver: TOP 5 Benefits Denver Home Buyers

Can I Use A FHA Loan For An Investment Property? FHA Loans Denver: What Are They? When choosing a mortgage, many homeowners and future homeowners are caught in a tug of war when picking which loan program is right for their financial situation. The FHA loan is the standard when it comes to giving you […]

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July 11, 2019
Construction Loan FAQs – 10 Most Popular Questions

This list of construction loan FAQs is a great read if you are thinking about applying for a construction loan. It will help you find answers to questions you have and answers to question you may not have thought about yet. With the ever increasing price of real estate in Colorado for 2020, many future […]

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November 8, 2018
Reverse Mortgage Process and Top Myths Explained

In this article we will discuss The process of Getting a Reverse Mortgage & Busting the Top Myths Associated with It. A reverse mortgage is a home equity loan that is offered to senior homeowners that are 62 years old or above. Rather than making monthly payments to the lender, the borrower receives mortgage payments […]

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November 8, 2018
Why Reverse Mortgage is the Right Loan Option for Seniors

Many seniors find it difficult to manage their finances because of the absence of a running income. Buying a home at this stage seems to be extremely unlikely as gathering funds become a challenge. While there are many financing options available, all of them will require you to make regular mortgage payments, which is simply […]

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October 11, 2018
FHA Loan Rules for Borrowers after Filing Bankruptcy

The subprime mortgage industry collapsed in 2008, which also coincided with the crippling US recession. The recession triggered massive financial and economic repercussions felt by millions of Americans. Unemployment rate in the country doubled from five to a jaw-dropping ten percent. As a result, the total wealth or assets of an estimated 65 percent of […]

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October 2, 2018
$10,580 IN FREE GRANT MONEY ON YOUR COLORADO NEXT HOME PURCHASE

3 TIPS TO ACCESS DOWN PAYMENT ASSISTANCE FUNDS ON BUYING YOUR NEXT HOME In a higher interest rate environment, it is imperative that a resourceful Colorado Mortgage Broker have the products available to serve the market extensively for First Time Home Buyers. Increased rates lead to higher payments. A strong housing market leads to higher […]

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October 2, 2018
Colorado’s Market Forecast Q4 2018 and Beyond

With mortgage rates in Colorado and nationwide at 7-year highs, many are wondering what is in store for the housing market in 2019 and beyond. We have all been spoiled with low interest rates since the refinance boom in the early 2000’s.  Many of us, myself included, entered this industry during that boom, and enjoyed […]

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September 20, 2018
3 TIPS to get your Self Employed Bank Statement Mortgage Loan Approved

In 2018 it is now more easier then ever to get a mortgage loan for your self employed business in Colorado. With as little as 2 months bank statements, you might be able to buy the home of your dreams. Yes 2 months bank statements. As long as we have a valid CPA letter with […]

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September 17, 2018
VA Construction and Renovation Loans

VA Construction Loans You can acquire a VA loan for building the home of your dreams, but keep in mind it is not a necessarily an easy path. You will have to overcome a few hassles and hurdles to fulfill your dream of building a home. Borrowers who are qualified to acquire VA loans can […]

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September 12, 2018
VA Jumbo Home Loans

A VA jumbo loan offers military buyers and veterans significant benefits, particularly compared to the standard jumbo loan landscape. However, first, let’s elaborate what “jumbo” is. Although VA loans operate under their specific rules regarding VA loan limits, which are county specific, a majority of lenders in the country still deem anything over $453,100 VA jumbo […]

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September 6, 2018
Buying a Home to Use as a Rental Property: Benefits and Considerations

We have had numerous discussions with entrepreneurs and salaried individuals who concluded that they have to diversify their profits and income into more than merely a savings account. In case you are one of those people – you have to pay close attention. Although being an owner of a rental property is not as glamorous as […]

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August 30, 2018
Benefits of VA Home Loans

Veterans Affairs mortgages, also called VA home loans, make it simpler and easier for veterans to secure financing in order to purchase a home. In many cases, VA home loans do not require any down payment. Moreover, these loans are easily available to active military members and military veterans. The loans are available from private […]

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August 21, 2018
VA Cash-Out Refinance: Everything You Need to Know

The VA loan program has been available for over seven decades. The program offers affordable and convenient home ownership to veterans and active members of the US military. The program has been successful as, to date more than 22 million former and current members of our armed forces received a VA mortgage. Some of the main reasons […]

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August 9, 2018
Down Payment Assistance Programs in Colorado (2018)

It is likely that you look at a home and imagine how incredible it would be to buy it. Owning a home means you can do all the things and fully enjoy your home without permission from the landlord. Perhaps, the down payment is holding you back. Alternatively, you may assume that you need to […]

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August 2, 2018
How to Apply For a Mortgage after Bankruptcy

Purchasing your own home is empowering and exciting, to say the least. Gaining the freedom and independence to manage and own a property, just the way you prefer. Eventually, you will have a substantial asset to enjoy in your future. Naturally, this is something a lot of us really aspire to. That said, sometimes things do not […]

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July 26, 2018
The Big Money Mistakes Divorcing Couples Make

When it comes to divorce, the two things that most people tend to worry about most are their kids and their money. Unfortunately, fretting about money does not keep these people from committing big money mistakes in divorce. Keep in mind that the courts in a majority of states will typically prioritize children’s interests. Courts also […]

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July 25, 2018
How Does a Home Construction Loan Work?

A majority of people understands basic mortgages when it comes to securing financing for their home; this is because mortgages are quite simple and nearly everyone has one. In contrast, a home construction loan could be a bit confusing for you if you have never built a new home before. The Basics of Home Construction […]

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June 22, 2018
Mortgage Broker Q&A : Purchasing and Refinancing A Home During and After A CH 13 Bankruptcy

I am serving up this Q&A in an effort to help consumers during their quest on finding a lender that will work with them, during their CH 13 bankruptcy, so they can purchase or refinance a home. If you have been denied a loan, or working with a loan officer that does not understand the […]

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March 31, 2018
3 Reasons Why I Live In And Love LoHi Denver, CO

When I moved from New York, I didn’t want to lose my urban roots, so I automatically gravitated to a NY Style loft located in the Highlands area of Denver, CO. in a small neighborhood called LoHi. I just really appreciate an open-air floor plan with high ceilings, exposed duct work, and brick. A true […]

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March 31, 2018
Why Move to Arvada, Colorado? Here are 7 Great Reasons to Pack Your Bags

The unique communities surrounding Denver all share a similar charm and vibrancy. But each is distinctly unique. Arvada is no different. It’s a busy but relaxed community. Here are the reasons why you should be moving to Arvada. Arvada Cherishes Its History People from around the country visit Olde Town Arvada just to get a […]

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March 20, 2018
ANALYZING the TAX CUTS and JOBS ACT in 2018 First Time Homebuyers

When the Tax Cuts and Jobs Act was enacted in 2017 many people are still wondering exactly what it all means to them personally. What does it mean for their small business? What does it mean for their home deductions. The below overview should be a good summary of what to expect, and what is changing […]

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March 12, 2018
Buy a Home Using your Litecoin, Bitcoin, and Ethereum Crypto Assets

If you have been investing in crypto assets the last few (ever since bitcoin reached 20,000) years, you might be wondering how you can purchase a home if you have realized any significant gains so you can expand your investment portfolio. It is quite simple, especially since the IRS now classifies crypto currency as your […]

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December 4, 2017
Five Reasons to Live in the Lowry Neighborhood of Denver, CO

If you’re currently house hunting, or looking to get financing for your new home in the Lowry Area of Denver, Colorado then you might be interested in why the Lowry neighborhood is such an attractive place to live. As you probably already know, Denver is a thriving hotspot for jobs, tourists, and of course, transplants […]

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August 22, 2017
Is A Debt Consolidation Mortgage Refinance Right For Me?

Debt Consolidation Can Make Your Life Easier To Manage Your Finances A Debt Consolidation Refinance uses your existing home equity to consolidate your high interest debt into a loan with a much lower interest rate, which can save you hundreds of dollars each month. [videopress VFzVhCTE] Are you paying more then $10,000 in non-tax deductible […]

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August 17, 2017
Breathe In The 1% Down Mortgage in Colorado

We now offer the 1% down mortgage program in Colorado NO this is not a typo. We now offer the 1% down mortgage program in Colorado with Equity Boost to ensure a smooth first time home buying experience for you. This program works very simple. You put down 1%, and we contribute 2% towards the […]

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August 15, 2017
Ready to Move to Lakewood, Colorado? You’ll Need These 7 Things

Lakewood, Colorado, is another of the vibrant communities surrounding Denver. If you’re thinking of moving to Lakewood, make sure you bring the following things to help you fit right in. A Want to Put Down Roots for Generations If you’re moving to Colorado or Lakewood because it’s a great place for your family or to […]

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August 10, 2017
Why is Louisville, Colorado One of the Best Places to Live in America?

Money magazine consistently ranks Louisville, Colorado, as one of the best places to live in America. In fact, it’s been No. 1 a few times and it’s no surprise. Before you move, you NEED to check out Louisville. The ability to have access to two great cities, Denver and Boulder, great recreational facilities and opportunities, […]

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July 24, 2017
7 Reasons to Call Stapleton Home Right Now

It’s difficult to find a more fresh start than in Stapleton, Colorado. The community just outside Denver is built on land recently occupied by an international airport. Now, the planes are departing from another location and the future of a thriving American city is landing in Stapleton. There are so many reasons to call Stapleton […]

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July 22, 2017
5 Reasons to Live and Work in Aurora, Colorado

Want to live in the Rockies? Why not move to the Gateway of the Rockies? Right now, Aurora is one of the fastest growing cities in the United States. The economy is booming. As the economy continues to prosper in Aurora and Colorado, as a whole, the competition for homes will intensify. Additional information on the […]

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June 1, 2017
New Student Loan Payment Calculation For Refinancing and Purchasing a New Home

Americans owe over $1.4 trillion in student loan debt, spread out among 44 million borrowers. With the lowest affordability levels in nine years, Colorado’s red hot housing market is putting many of these potential home buyer out of reach to qualify for a new home… until April 25, 2017, when Fannie Mae made their new […]

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May 15, 2017
Denver Real Estate Market Update – April 2017

Are you looking to get into the Denver housing market? You’re not the only one. In an ultra-competitive market such as ours, a mortgage broker like myself can help you gain the advantage you need. The Denver real estate market continued its red-hot ways last month and there is no sign of a slow-down in […]

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April 25, 2017
Choosing a Mortgage Lender – 3 Tips to Save Time and Money

It’s no question that we are living in a fast paced world, that only seems to be getting more quicker and efficient with each passing day. With all of this technological progress, you want to make sure that you do not get caught up in the distraction and noise of everything around you. Billions are […]

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April 19, 2017
Loan Application Checklist For Your Denver Mortgage

Be Prepared with the Following Information to Help Get You Approved You want to buy your first home, an investment property, or maybe even complete some renovations that you’ve always dreamed of doing. If you don’t have the finances, you’re going to want to find a mortgage broker in Denver you can trust to guide […]

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March 20, 2017
3 CRUCIAL HOME BUYING TIPS BEFORE OBTAINING A MORTGAGE IN A RED HOT COLORADO REAL ESTATE MARKET

How high can this real estate market go? Did you hear what they are building in such and such neighborhood? My neighbor just sold his home for a huge profit. And on and on. These are very common questions I hear every single day, and as a Colorado Mortgage Broker it is integral to my career […]

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March 6, 2017
Denver Real Estate Market Update – February 2017

A new year is in and so is another month in the Denver real estate market. Per a recent article from the Denver Post, the housing market in Metro Denver could see major changes in 2017. After the initial month of the new year, the rent for apartments is slowing down while the price of […]

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February 18, 2017
3 Helpful Tips For Cash Out Refinancing During A CH 13 Bankruptcy In Colorado

The 2018 real estate market in Colorado looks very promising and poised to continue it’s red hot run years into the future. Market correction has turned homes that were once upside down into equity appreciating assets that are now proving very valuable for homeowners in Colorado. The influx of people moving here has catapulted demand […]

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February 9, 2017
Colorado Down Payment Assistance Loans funded over 1 Billion in new Loans in 2016

This article is to clear the smoke and mirrors many people who are looking to buy a home usually question right away. Do you have any “no money down” programs? Are there Denver loans for “first time home buyers”? Any FREE money out there I can get? Answer: YES, there are down payment assistance programs. […]

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October 26, 2016
Home Ready Mortgage Assists Millenials With High Debt To Purchase Homes

Benefits of a Home Ready Mortgage Home buying is at a 60 year low. The millennial market represents a huge market in purchasing power, however they are postponing home ownership due to student loan debt, travel experiences, and no money being able to be put aside. In an effort to create a new program that […]

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October 19, 2016
CHFA GRANT PROGRAM TO HELP RENTERS BECOME HOMEOWNERS TODAY!

Benefits of the CHFA Grant Program As rent in metro Denver continue to climb, home ownership is at a 60 year low. As of September 2016, the average rent for a one bedroom in Denver is $1383 and a 2 bedroom is $1768. Colorado is one of the hottest real estate markets in the country, […]

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October 5, 2016
FHA Rental Property Purchases Can Add Cash Flow To Your Pocket

Most people think that when purchasing investment properties you need 20% down. While this is true for most conventional loans, with a slightly higher interest rate then owner occupied purchases, and FHA strategy might prove to be the most efficient in a very dynamic Denver market. Colorado no question has become one of the top […]

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September 8, 2016
3 Reasons to Refinance Your Existing Mortgage

A mortgage is one of the biggest things Americans will pay off in their lifetime. Just because you already have a mortgage plan doesn’t mean you are locked into it for the duration of its life. Many people choose to refinance a mortgage for many different reasons. A Denver mortgage broker like myself can show […]

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September 8, 2016
Denver Real Estate Market Update – September 2018

When it comes to purchasing or selling a home in Denver, it is a good idea to contact a Denver mortgage broker, like myself, who can provide guidance for such a busy real estate market. The cost of a home in Denver continues to rise significantly. In the Metropolitan Denver area the median value of […]

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July 18, 2016
I Locked my Loan and Now Interest Rates Have Fallen! What can I do?

As a Colorado mortgage broker, the huge benefit is that across the multiple wholesale lenders we work with, each one has it’s own unique selling proposition, and when it comes to locking a loan, this is vital, especially in a low rate economy, where breaking news can crash a market, and bottom out rates, like […]

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July 15, 2016
A Colorado Mortgage Broker for your Next Purchase or Refinance

Many people have asked me over my career,  “Why would I use you”?, “What exactly do you do”?, “What makes you different from the next guy”? My answer is simple, and I speak more for the mortgage broker community, versus myself directly. We get the job done. We take on the loans the bank can […]

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February 18, 2016
COLORADO HOMEOWNERS! Rent OUT YOUR PRIMARY RESIDENCE using FUTURE RENT as INCOME! with NO RENTAL HISTORY!

With Colorado continuing it’s nationwide market dominance as one of the top places to live in 2016, the rental market has been skyrocketing, as well as homeowners property equity through sharp quarter over quarter, double digit appreciation. This has created a dynamic market where there is a shortage of inventory available, because not as many […]

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January 27, 2016
5 Questions To Ask Yourself Before Selling Your Home During the Colorado Housing Frenzy

$20.16 Billion in home sales for 2015. Inventory not high enough to meet demand. Multiple offers within hours, and some of them cash thousands above your asking price. Welcome to the Colorado housing market. It is no question this is a sellers market, and if timed correctly, you can make make a serious profit on […]

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January 13, 2016
2016 FHA and FANNIE MAE Increased Loan Limits

Due to the rise in home prices in 2015, and the steady increase in valuation, FHA and Fannie Mae have both increased the maximum loan amounts in many counties nationwide. I have provided links below for the change in Colorado, which will be a pleasant surprise to many buyers who now can opt to finance, […]

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October 19, 2015
Gift Of Equity Mortgage Loans For Your Family And How They Work

Purchasing a home from a family member in Colorado can save you thousands of dollars in closing costs, and also continue to retain a property with the family over the years to follow. In most cases, these purchase loans are done with no money down from the buyer, who more then likely will be the […]

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October 6, 2015
Top 4 Reasons To Choose A Mortgage Broker For Your Next Refinance or Purchase Loan

In my 13 year career as a mortgage broker in Denver, I have seen many ups and downs of the housing market, but one question I am continuously asked to this day is in two parts. Why should I use you? and What’s the difference between a Colorado mortgage broker and mortgage banker. To the […]

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September 22, 2015
Turning Your Principal Residence Into An Investment Property

With Denver clearly on the radar as one of the top real estate markets in the nation, sellers have the upper hand, as buyer’s are lining up in droves to put their offers in. It is not uncommon, especially in Denver, to see listings get offers 10, 20, sometimes even $50,000 above the asking price. […]

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September 22, 2015
Commercial Lending Made Easy with The Mortgage Network

I am happy to announce The Mortgage Network’s ability to now do Commercial Lending. This should prove to be a huge benefit to many individuals looking to purchase commercial property. We can service loans anywhere from $100,000 to $250,000,000 million. Our proprietary portal of lenders will definitely prove to be a tremendous value to anyone […]

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November 13, 2014
A Mortgage Loan That Saves Your Clients The Most Money

Talk to most mortgage lenders, whether brokers or bankers, on the retail or wholesale side, and they will give you some very basic loan options once they pull your credit score and find out how much you have to put down on a home mortgage when you are in the process of getting pre-qualified for […]

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November 10, 2014
Fannie Mae Delayed Financing

Since 2011, Fannie Mae has implemented a little used mortgage program, entitled “Delayed Financing” which allows home buyers, both owner occupied and investor, to refinance the purchase the day after they buy the property. With 33% of all home purchases in 2014 being made in cash, many investors need access to that cash, to put […]

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October 1, 2014
Relocation Loans And What It Takes To Qualify When Moving To Colorado

It is no question that Colorado is one of the hottest markets in the nation to live right now. I have been getting many phone calls of people wanting to know what it would take to get qualified for a home loan. For most, it is quite simple, especially if you are remaining employed with […]

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May 14, 2014
Perfect Timing for Refinancing Off Your Mortgage Insurance In Today’s RED HOT Colorado Market!

For those of you who have refinanced in 2010 to 2012 and who have Mortgage Insurance on your home loan, either through FHA or conventional, might want to seriously consider refinancing now, while the market here in Colorado is Red Hot!! A $400,000 loan with FHA Mortgage insurance is $450 per month, and that is […]

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May 13, 2014
Construction Lending Available In Colorado with as little ZERO DOWN

It is no question that the real estate market in Colorado is hot! hot! hot! This can frustrate many buyers who show up to an open house with 10 other buyers, and a seller who is only interested in highest and best offer. It is definetely a seller’s market out there, and that can really […]

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May 12, 2014
No Money Down USDA Purchase Loans In Colorado Are Amazing Tool For HomeOwnership

USDA Rural Development’s Single Family Housing Direct Loan Program provides loans to assist low and very low income families in rural area’s achieve their dream of home ownership in Colorado. This is a 102% max LTV loan with absolutely no money down. The properties under USDA have to be located in a rural area, and […]

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April 24, 2014
Down Payment Assistance Program For Colorado First Time Home Buyers

It is no question that Colorado is on the map as the top places to live in 2014. Rental prices have absolutely skyrocketed the last five years, with home prices continuing to rise as well. For the homeowner, they are feeling the recovery and getting back the equity they lost in the Housing Crisis. They […]

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March 25, 2014
Colorado Family Opportunity Mortgage Program For Elderly Parents And Children Update for 2019

A great mortgage program here in Colorado that has always been around for quite some time, is the Family Opportunity Mortgage program. Not many people inquire about it, however it can literally save you tens of thousands of dollars upon the purchase of a home, and even more in interest over the life of the […]

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February 20, 2014
FHA GOLD Program Loosens Credit Guidelines for Subprime Borrowers

FHA has recently introduced a new FHA program for borrowers with less then good credit. This will greatly open up the floodgates to people who could not qualify for a new home mortgage in the past. Some of the highlights of this program are the following. FICO scores down to a 500. 1 score is […]

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February 18, 2014
FHA Back To Work Program Eliminates Seasoning on Bankruptcy, Short Sale, and Foreclosure

An FHA loan program that is flying under the radar since August 2013 can help many previous homeowners who were a victim to the recession, or experienced unemployment or other severe reductions in income, a second chance in obtaining a home loan, without having to wait the standard 2 -3 years, if they have filed […]

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December 9, 2013
Waiting Period For Short Sale, Bankruptcy, and Foreclosure to buy a House with FHA financing

With the recent improvements in the economy and almost all economic reports coming back positive, it looks as though we have weathered the storm, and are on the upswing. We have been through a major housing crisis, a recession, and record high unemployment rates in the last 5-6 years. During this time, many people filed […]

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November 6, 2013
5 FACTS THAT WILL MAKE YOU WANT TO BUY INSTEAD OF RENT

Rent in the Denver market the last couple of years has absolutely skyrocketed. See a listing for an apartment on Craigslist, and be prepared to show up with a check if you are planning on securing an apartment to rent. A 2 bedroom apartment in Capital Hill is running about $1200 a month, up year […]

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March 13, 2013
What is the Difference Between Modular and Manufactured Homes?

Aside from your standard Single Family Residence, Condo, and Townhome, there are 2 other types of home that will come up while you show your buyers property. It is important that you understand these types of homes, and the traditional types of financing involved for manufactured, prefab, and mobile homes, and more importantly, the lenders […]

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March 11, 2013
How To Earn Up To $2000 Tax Credit Annually For Buying A Home in 2013

The Mortgage Credit Certificate, aka MCC, is a certificate issued by certain state and local governments that allows a taxpayer to claim a tax credit for part of the mortgage interest paid during a given year. This program is offered in Colorado, and our company, The Mortgage Network is proud to offer many types of […]

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March 7, 2013
Can you Buy a Home with Collections on your Credit Report? Depends

Depends on who you talk to. If you talk to a retail banker with only a couple of loan products, they will tell you NO. If you talk to a correspondent lender with more loan products available then a retail banker, they will tell you NO If you talk with a mortgage broker, with knowledge […]

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March 4, 2013
What to do when the SELLER does not pay closing costs – Homebuyer TIP

Buying a home will be one of the biggest financial commitments you will make in your life, and pre-buying jitters can scare off even the most seasoned of buyers. They want the house, that is no question, however they should be able to get it at the lowest cost, at the best interest rate, and […]

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March 1, 2013
How to Get A Mortgage 1 Day After A Short Sale

Speak to 99% of Real Estate Professionals and they will all tell you the similar response when asked how long it takes after short sale to get a mortgage. “3 years”. While that has truth to it, it does depend on your unique situation and what kind of loan that you have. This article discusses […]

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February 28, 2013
FHA 203K Lending For Your Next Purchase or Refinance Rehabilitation Renovation Loan

FHA 203K Rehab Lending For Your Next Purchase or Refinance Private money lending is GREAT! I love the concept of being able to borrow money at 10-12% with 4 points, for a period of 6 months. After that, I love it more when the lender penalizes me each month thereafter until I am able to […]

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February 25, 2013
Obtaining a Reverse Mortgage in Colorado

Recent Changes to Reverse Mortgages Recently, there have been a lot of changes in the reverse mortgage market in Colorado, and other states in the U.S. This has led to speculations amongst people as to what the HECM home equity conversion mortgage – product will be like in 2013. The HECM mortgage product is programmed […]

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February 22, 2013
Useful Information For First Time Home Buyers in Colorado

Purchasing your first home is not an easy task and can be very stressful. A lot of things need to come together to be able to make the purchase. For example, you’ll have to talk to a lot of people and complete an ample load of paperwork. However, first and foremost, you should understand that […]

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February 20, 2013
15 or 30 year fix Mortgage? Depends on How Much Money You Want To Burn

A common misconception buyers think is that a 15 year fix mortgage will be twice as much payment as a 30 year fixed. Lets consider the following example: Purchase Price – $250,000 – Down Payment 20% – $50,000 Loan Amount – $200,000 Interest Rate 30 year fix – 3.5% Payment For Principal and Interest – […]

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February 19, 2013
Lower Down Payment Alternative to FHA Mortgage

It is no question that FHA is getting worse and worse to deal with. On April 1st, 2012 what used to be a 5 year requirement for already expensive mortgage insurance, will be changing to a 30 year requirement for FHA loans. Forget the 78% LTV requirement, or having 20% equity in your home. It […]

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February 18, 2013
How To Apply For A Reverse Mortgage in Colorado

aka (HECM) Home Equity Conversion Mortgage You can apply for a Reverse Mortgage when you become 62 years of age. You have worked very hard to own your home, and the Reverse Mortgage can be a great way to help supplement your retirement income. The Reverse Mortgage is designed for many different purposes as you […]

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February 13, 2013
Dude Wheres My Refinance? HARP 3.0 Reality or Wishful Thinking

HARP 3.0 is what people in the industry are calling, is what Obama was referring to last night, in his State of The Union Speech. Every Responsible Homeowner who is able to make their mortgage payments, will be eligible for a refinance, regardless of what the home is worth. Watching the State of the Union […]

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February 6, 2013
Documents Required When Applying for a Loan

When applying for a loan, there are specific documents you need to bring in order to be considered. Sometimes it is a little unclear about what to bring, so below I have written a little bit about each document needed. There are many types of home loans so the requirements might vary depending on which […]

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February 1, 2013
How to choose a Harp 2.0 Loan Lender

I know how hard it is to find the best lender for a Harp 2.0 loan. Since you are not obligated to use your original lender to obtain a refi under Harp 2.0, you get to make the choice of which broker of bank leader you use. I have listed several easy tips to help […]

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December 7, 2012
What IS a Harp 2.0 Loan?

In this day and age, loans can be an extremely confusing fact in life. One loan that has been coming under question recently is the Harp 2.0 loan. With many confused loan holders, there has been many questions regarding this loan and to how it works. What is the Harp 2.0 Loan exactly? The HARP, […]

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May 2, 2012
Home Values Start The Year Strong in 2012

According to the Federal Home Finance Agency’s Home Price Index, home prices rose a seasonally-adjusted 0.3 percent between January and February 2012.

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May 1, 2012
Mortgage Guidelines Resume Tightening Nationwide

Despite an improving U.S. economy, the nation’s banks remain cautious about what they will lend, and to whom.

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April 30, 2012
What’s Ahead For Mortgage Rates This Week : April 30, 2012

Mortgage markets were mostly unchanged last week for the second straight week.

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April 27, 2012
Pending Home Sales Index Crosses The 100 Barrier

After a series of worse-than-expected data last month, the housing market appears to be back on track.

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April 25, 2012
A Simple Explanation Of The Federal Reserve Statement (April 25, 2012)

The Federal Open Market Committee voted to leave the Fed Funds Rate unchanged within its current target range of 0.000-0.250 percent Wednesday.

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April 25, 2012
New Home Sales Revised Higher In February; Slip 7% In March, 2012

Sales of new homes ticked lower in March, unexpectedly.

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April 24, 2012
The Fed Starts A 2-Day Meeting Today. Make A Strategy.

The Federal Open Market Committee begins a 2-day meeting today. Mortgage rates are expected to be volatile for the next 48 hours.

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April 23, 2012
What’s Ahead For Mortgage Rates This Week : April 23, 2012

Mortgage markets were mostly unchanged last week, breaking a three-week winning streak.

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April 20, 2012
Existing Home Sales Slip In March

In March, for the second straight month, home resales slipped nationwide.

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April 19, 2012
Nevada Relinquishes “Top Foreclosure State” Title

Last month marks the first time since July 2007 that foreclosure filings numbered less than 200,000 on a monthly basis — a span of nearly 5 years.

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April 18, 2012
HARP 2.0 Finally Starting To Take Shape and HELP Underwater HomeOwners

With the recent HARP changes in March, it looks as though the demand for this product has been extremely high, and that is no surprise at all. With markets like Florida, Las Vegas and Arizona underwater by as much as 500%, Fannie Mae and Freddie Mac have finally come together to help these ailing homeowners […]

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February 12, 2012
OPERATION REFINANCE AMERICA AND WHAT THIS MEANS TO YOU

Well that is not the exact title of it, however with all of these new programs being created the last few weeks, a 25 billion dollar bailout being created, and the President of the United States calling for a 4% refinance for every homeowner who is upside down on their mortgage, you might as well […]

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February 5, 2012
Where HARP loans are right now, and what to look forward to

HARP loans right now are making up a majority of the origination activity for refinances simply because millions of homeowners are upside down on there home loans, and have not been able to get the relief they have been looking for until recently. One of the factors that have been preventing these homeowners from refinancing […]

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January 28, 2012
Navigating Through The Smoke, The Mirrors, and The OBAMA Refinance Plan

It’s 2012 people, and what does that mean besides the End of The World? You guessed it, it’s an election year, where candidate hopefuls pull out all the stops to let America know exactly what it needs to fix things. A Magic Pill if you will, to make everything bad go away. If you watched […]

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January 21, 2012
Will HARP 2.0 Help Homeowners Underwater on Their Current Mortgage?

In my humble opinion, the answer is yes. I take Colorado mortgage refinance applications every single day on this particular kind of loan, and I consider myself an advocate in helping my clients get the answers they need, and more importantly, lining them up with the correct mortage lender for their specific HARP 2.0 refinance. […]

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January 2, 2012
HARP 2.0 Program Ready To Roll On Wholesale Lending Side

On October 24th of 2011, the Federal Housing Finance Authority (FHFA) annouced a key update to the already struggling Harp program, entitled HARP 2.0. It has taken a couple of months for my wholesale lenders to intrepret the laws regarding this program, and what guidelines they will have in place for you to refinance your […]

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July 27, 2011
95% Loan with No Mortgage Insurance vs. FHA Loan

FHA has tripled their mortgage insurance premium over the last year and a half to 1.15%. On a $300,000 loan with 3.5%, you will be paying $287.50 a month for a minium of five years, which equates to $17,250. In my opinion, this is a complete waste of money for you to spending. A much […]

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July 12, 2011
Tips on finding a General Contractor for your FHA203K Loan

Hiring a General Contractor is the most important step in putting together your rehabilitation FHA 203K Loan. The final bid contract estimate will be the ultimate driver in determining what your after improved equity situation will actually be. The numbers are crucial in putting together a project with enough after improved value, so that you […]

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April 4, 2011
HUD Consultant is “Big Brother” on FHA 203K Rehab Loan

When you do FHA 203K Loans as either a purchase or a refinance, and have over 35K in renovations, either structural or not, you have to have a HUD Consultant, approved by FHA to monitor your rehab project, but more importantly, sign off on the initial general contractor bid, before the loan goes into underwriting. […]

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March 9, 2011
FHA 203K Standard Loan –The True FIXer UPPer Loan

The FHA 203K loan has been around since the 1970’s however the reason why you don’t hear about alot of them being done, is either the borrower is aligned with an in-experienced loan officer, who does not want to take on the challenge of additional work and time to close, or you just don’t know […]

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February 23, 2011
The Best Home Loan Known To MAN!!! FHA 203K

With rising interest rates looming on the horizon, it is a safe bet that refinancing activity will be diminishing over the next couple of years. In addition, many strongly believe, including myself, that in some pockets of Colorado, there is no strong bottom on this market. Foreclosures are prevalent, and this will cause to bring […]

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April 13, 2010
Updates on First Time Home Buyer Credit 2010

With only two weeks left until the first time home buyer credit expiring, many people are wondering if the government will extend this program again. After the first extension of this $8000 non-refundable tax credit, many first time home buyers rushed at the opportunity on closing, to get the credit. Recent home sales indicate that […]

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March 23, 2010
Benefits of an FHA Loan

It is no question that the mortgage industry has been evolving and constantly changing since the subprime crisis hit in 2007. One of the best loan programs, still available is the FHA loan. This is possibly the best home loan program for a first time home buyer with limited access to financial assets. Here are […]

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