First Time Buyer Program

Published March 8, 2016 7601 Views

Apartment getting smaller? Noisy neighbors cramping your style? Rising rent getting you down? Maybe it's time to get your own place! Let us help you wake up in your own home. It's the American dream, and one you can make reality! Our new First Time Buyer Program allows you to purchase a h...

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Do You Really Need a Real Estate Agent?

Published February 2, 2016 5281 Views

Real Estate transactions involve one of the biggest financial investments you could experience in your lifetime. Real estate transactions, today, will typically exceed $100,000. If you had a $100,000 income tax problem, would you not bring in a CPA? If you had a $100,000 legal question, would you...

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Do I Need a Lawyer To Buy A Home?

Published November 25, 2015 6125 Views

There are essentially two ways to get a mortgage. The first being a "purchase money mortgage" that is obtained when buying a property; having an attorney representation is highly recommended. The second situation is a "refinance mortgage" that is obtained when you already own the property and are ta...

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Thinking About Buying A House?

Published October 22, 2015 6158 Views

The Mortgage Process There are quite a few things that go on behind the scenes after you have applied for a mortgage. We thought you might like to know a bit about them: Processing During processing, the loan file is examined to ensure that all information is complete and accurate and meets t...

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How Do I Get My Credit Score on the Right Path?

Published September 29, 2015 7002 Views

In order to be pre-approved for a mortgage YOU MUST HAVE A CREDIT SCORE between 640-850. If your score is lower than this then the following actions can be taken in order to achieve this score: No late payments on any existing accounts (especially in the last 12 months). TIME HEALS EVERYTHING!...

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What's the Difference Between a Banker & Broker?

Published August 19, 2015 6835 Views

Generally speaking, you have three types of professionals to choose from when seeking mortgage financing   Retail Bank Broker Mortgage Banker Wide variety of programs Possibly Possibly Multiple investors Limited...

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Protecting Your Information From Unwanted Solicitation

Published July 29, 2015 4625 Views

A few years ago the major credit reporting agencies (Equifax, Experian and Trans Union) started a program whereby they would sell the names of people who had their credit checked (to buy a car, obtain a mortgage, etc.) to other third party entities that may provide a similar product or service. Maj...

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What NOT to do When Buying A House

Published July 1, 2015 5030 Views

We've said this before but it really bears repeating. Pay close attention and your road to mortgage financing and refinancing will go a lot smoother! If you've been approved for a mortgage it generally means you've got great credit and that lenders are eager to loan you the funds necessary to pur...

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Time is Money

Published May 28, 2015 5149 Views

The Problem As the owner of a mortgage bank, the most common complaint I hear about buying a house is the excessive amount of documentation required to obtain mortgage financing. The new laws governing mortgages and money laundering seem endless and the sheer volume of the paperwork needlessly sl...

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So You Think You Bought a House?

Published March 31, 2015 5129 Views

You find the house of your dreams, your agent writes an offer and the seller accepts it. You think you've bought a house but in some cases you have not. Your offer will have contingencies that protect you, the buyer, such as engineer's inspection, mortgage contingency, transfer of existing property...

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