Jay Beckingham's (jayb) Blog

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Mortgage and Lending - Christensen Financial Mortgage - 385907
RECENT BLOG POSTS
    It seems like just a little while ago, well maybe it was 2, 3, or 4 years that we were reading articles from our national press stating that places like Naples Florida had enough inventory to last for the next 10-15 years. Cape Coral had enough inventory for the next 7-8 years. Here's a headl...
05/29/2013
Actually ECHFA said, "don't be fooled by our name." Last week I posted about a CNNMoney.com article which stated that, homebuyers are clueless about mortgages." It brought to mind two questions. The first was is it true? And the second was, if so, what are we doing about that. So let me introduce...
05/28/2013
  So says the headline of Les Christie's CNNMoney.com offering this morning. How about a little change here. Homebuyers/Journalists clueless about mortgages I think we could all agree that we'd like to see potential homebuyers get the best information possible when they are considering buying a h...
05/08/2013
9 Comments
Where have all the first time homebuyers gone? Traditionally first time buyers have made up about 40% of the marketplace, so says Nin-Hai Tseng, a CNNMoney.com journalists, and I use that term lightly. She goes on further to state that they currently make up 34.7%, the lowest level in the last 3 ...
05/08/2013
that's what the headline said. well I've been a mortgage lender for over 30 years so I was interested in what the hidden fees might be, but what I found out was there weren't any, still looking Behind the headline was an article written by Stephen Gandel, Sr. Editor, for CNNMoney.com. Apparently ...
05/06/2013
Hardly! Doesn't it seem like only yesterday that all/most of the national media was reporting that Fannie Mae was going down, or should go down. Well here's some news for you Fannie Mae posts record profit "Mortgage financing giant Fannie Mae Tuesday reported a record profit of $17.2 Billion" so ...
04/03/2013
11 Comments
I can't believe how many credit reports I have pulled for prospects, that being perspective buyers, that have such tough credit or undisclosed issues. You see one of my standard questions, for the prospect, before asking if I may pull the report is are there any items or issues with your credit h...
01/30/2013
okay in over 30 years of writing mortgage loans, in most cases I get the same opening question when a prospective client calls what's the rate I've been told before, and many in the mortgage business believe that that is the case because that's what they know to ask. Obviously, the second questio...
01/03/2013
these days when I pull a credit bureau and see disputed accounts I cringe. Boy, how things have changed.  It used to be that if a consumer had a disagreement with a creditor as to how their account was being reported, that they were encouraged to send a written dispute both to the creditor and th...
12/26/2012
can you believe what underwriters are asking for for documentation for mortgage loans these days? there is just no way that you can prepare up front for some of the requests, or so it seems, or can you. I teach a homebuyers education course and I refer to the process as "documentation intensive."...
12/22/2012
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