Chaz Ramirez's Blog

I've seen so many mixed opinions over the recurring strength that FHA Lending Programs are having and gaining in the current market and oddly to me as a veteran of HUD's programs the majority of those opinions are negative!  It has always been my experience in the business that mortgage professio...

Conforming Credit Score Adjustments (LLPAs) killing your bottom line??Can FHA work for your Conforming Customers?  With new conforming Loan Level Price Adjustments (LLPAs) which are determined based on representative credit scores it certainly can...and it could be a better choice!  Let's take a ...

Conforming Credit Score Adjustments (LLPAs) killing your bottom line??Can FHA work for your Conforming Customers?  With new conforming Loan Level Price Adjustments (LLPAs) which are determined based on representative credit scores it certainly can...and it could be a better choice!  Let's take a ...

I've seen so many mixed opinions over the recurring strength that FHA Lending Programs are having and gaining in the current market and oddly to me as a veteran of HUD's programs the majority of those opinions are negative!  It has always been my experience in the business that mortgage professio...

Question from Consumer:"I am looking for some outside advice that will help me prepare and make suggestions to insure that my FHA mortgage gets approved at closing. I just went under contract and I am set to close on 4/25. I was given a good faith estimate and a pre-qualification, my middle score...

Question from Consumer:"I am looking for some outside advice that will help me prepare and make suggestions to insure that my FHA mortgage gets approved at closing. I just went under contract and I am set to close on 4/25. I was given a good faith estimate and a pre-qualification, my middle score...

I know what you're thinking, "Chaz, what in the world is the Tax Effective Payment???  I've never heard of that before!"Well, the Tax Effective Payment is a critical tool used in helping your borrowers determine how many points to pay, a decision which is just as critical to you and your customer...

In the current market with FHA taking a new well deserved stronghold in the number of 1st mortgage applications it's important for those of us both novice and experienced to reflect on how to properly submit a "file" to a DE Underwriter for review and approval.Here's our scenario:You've completed...

In the current market with FHA taking a new well deserved stronghold in the number of 1st mortgage applications it's important for those of us both novice and experienced to reflect on how to properly submit a "file" to a DE Underwriter for review and approval.Here's our scenario:You've completed...