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Qualifying

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To Jumbo or Not to Jumbo?

  • Post published:22 March, 2016
  • Post category:Conventional/Credit & Debts

This information is easiest to explain through an actual experience with one of my customers... I just recently got a call from a past customer of mine. He desperately needed to…

Continue ReadingTo Jumbo or Not to Jumbo?

How Pre-Approved is Your “Pre-Approved” Buyer?

  • Post published:8 March, 2016
  • Post category:Qualifying

I hope you have time for a quick (and amusing) story... Just last week we were working with a customer to get them pre-approved.  We completed our pre-approval process and…

Continue ReadingHow Pre-Approved is Your “Pre-Approved” Buyer?

Is Your Non-Warrantable Condo Really Non-Warrantable?

  • Post published:23 February, 2016
  • Post category:Assets & Home Values

Condos, condos, condos.  I don't know about you but financing condos seems to have become a hot topic lately.  Specifically, if it is non-warrantable...but no one likes labels, right?  What is…

Continue ReadingIs Your Non-Warrantable Condo Really Non-Warrantable?

Non-Warrantable Condos

  • Post published:22 February, 2016
  • Post category:Assets & Home Values

Click on the image below for the full size or to download:

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3% Down Conventional Loan Options

  • Post published:16 February, 2016
  • Post category:Assets & Home Values/Conventional/Down Payment

Last week we mentioned the Home Ready loan program  but some of our customers don't not fit best in that particular loan option.  There are some other 3% down Conventional…

Continue Reading3% Down Conventional Loan Options

Five Hurdles to Mortgage Qualifying

  • Post published:22 November, 2011
  • Post category:Qualifying

Everyone has heard of the tightening of the credit market but what does that really mean to you?  What does that really mean to you as a home buyer?  Over…

Continue ReadingFive Hurdles to Mortgage Qualifying
Value of REAL Pre-Approval
Photo by joeltelling on Flickr

Value of REAL Pre-Approval

  • Post published:29 August, 2010
  • Post category:Qualifying

INTERESTING STATISTIC – One of my colleagues shared with me an amazing statistic: Almost 30% of real estate transaction in the US are falling through AFTER GOING UNDER CONTRACT. I…

Continue ReadingValue of REAL Pre-Approval

Where the Heck Did FICO Come From?

  • Post published:10 March, 2010
  • Post category:Credit & Debts

Not too long ago, the credit world was much different than it is today. Credit bureaus operated in near secrecy, gathering information in ways that may surprise you. For instance, did you know that Retailer's credit (now Equifax) received information about you gathered by the Welcome Wagon hostess?

Continue ReadingWhere the Heck Did FICO Come From?

The Lender that Could – I Knew I Could

  • Post published:11 January, 2010
  • Post category:Closing Costs/Interest Rates/Qualifying

The mortgage business can be a confusing industry to understand. There are different types of loans, different types of lenders and different paths for loans after closing. All of these…

Continue ReadingThe Lender that Could – I Knew I Could

Don’t have a lot of money for down payment?

  • Post published:8 January, 2010
  • Post category:Assets & Home Values/Down Payment/Down Payment & Closing Costs/Qualifying

(All stories shared on Lending A Hand contain fictitious names with changes to insignificant details.  The privacy and trust of our customers is our top priority.) I received a call…

Continue ReadingDon’t have a lot of money for down payment?
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