Jay Beckingham's (jayb) Blog

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Mortgage and Lending - Christensen Financial Mortgage - 385907
RECENT BLOG POSTS
Okay when it comes to credit everyone knows you've got to have the score. These numbers may determine whether you can, or cannot be approved for the mortgage you need and desire. I mean if you're looking to qualify for a government loan and you've got a least a 620 (some lenders want 640) score t...
12/21/2012
Now available to homebuyers in Brevard, Indian River, and St. Lucie Counties CHOICES It seems to me that while many of the marketing guru's are preaching that you must have a niche. I offer you mine, it's CHOICES I've been a mortgage lender for over 30 years and have traditionally worked for Mort...
11/27/2012
Well, actually it's already available, but the question is do the buyers know this? first of all, let's make clear, who is, and isn't, a first time homebuyer. by definition a first time homebuyer is someone who has not owned a home in the previous 3 years. I'd also like to note that in the case o...
10/20/2012
When I first started in the mortgage business, somewhere before electricity I believe, I went to work for a mortgage company, and it was thought that we had a diverse product line because, well we had more than one product. Consumers just didn't have many choices back then. The clients pretty muc...
10/15/2012
This program works! this is an opportunity for those who currently have an FHA loan to refinance into todays low fixed rate mortgages regardless of whether they have equity in their property or not. Here's why there is no appraisal necessary the lender is going to use the original purchase price ...
10/08/2012
First of all let's get this out there. Mortgage lenders have their own terms and guidelines. We hear all the whinning about those that many feel are too restrictive, but not too much about those that may be helpful. Try this one on for size. a first time homebuyer is someone who has not owned a h...
08/26/2012
But you said I needed a score higher than 640 for FHA. Mine's 651, but now you tell me my credit isn't good enough. What's up with that? Okay, lenders/investors establish credit score minimums for the programs they offer, and essentially if you don't pass the scoring test than you don't pass GO! ...
08/23/2012
  Well that sure doesn't look good! From the business side of Real Estate, you won't be closing your transaction, in all liklihood if you do not already have your insurance bound. Once a storm is named All bets are off On the positive side (you mean there's a positive side?). Despite the weather...
08/21/2012
8 Comments
So I'm not a listing agent, and I'm not sure what the motivation is to say AS IS when listing a property, but if I was a selling agent, or a buyer, I don't think I'd pay much attention to that, unless there are major issues. I'd really like to see some data on how many properties listed "AS IS" a...
08/19/2012
As I am the master of the obvious let's start by clarifying the obvious; I am a lender, have been one for over 30 years, my perspective and viewpoints are those of a lender. now the answer to the question, the real problems with preapprovals are... too numerous to mention but I'll try anyway. Let...
07/31/2012
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