Jay Beckingham's (jayb) Blog

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Mortgage and Lending - Christensen Financial Mortgage - 385907
RECENT BLOG POSTS
I am a licensed "Loan Originator" working for a mortgage company...what does that mean. as a "loan originator" I need to meet certain specific financial and educational requirements in order to qualify for licensing through the NMLS, the national licensing sytem established to regulate a "Loan Or...
03/09/2012
I live in Southwest Florida where the concentration of Veterans is very high, one of the strongest in the country. We should be proud of that here, and yet as a lender I don't see many Veterans using their VA benefit to purchase a home, and for the life of me I just don't know why. I have some su...
03/06/2012
I can't believe that I still hear people stating that you need a 20% downpayment to buy a home today. I sometimes hear this from my Realtor friends. Let me take a quick moment and address my Realtor friends. In Southwest Florida we have been swamped by $$$$$ buyers. I mean they're everywhere. Bec...
02/29/2012
It seems that when the term "portfolio loan" is brought up that it conjures up different images in the minds of different people. Let me see if I can give a definition of what a portfolio loan is, at least in my mind, and later, what it isn't. to me a portfolio loan, in its simplist sense, is a l...
02/27/2012
Many times it would be easy, living in Southwest Florida to just lay back by the pool, soak in the 80 degree weather, and sigh, "it just doesn't get any better than this!" Wel,l considering the difficulties of the last 3-5 years I've just got to tell you it is getting better...much better...and w...
01/22/2012
USDA/Rural Housing "LOVES" Collier County!!! Yes they do No Doubt about it and let's make something perfectly clear right now USDA/Rural Housing is NOT limited to rural properties Rural Housing is available wherever USDA determines it is necessary and that's ALL of Collier County So, what's the b...
01/19/2012
In Southwest Florida, where I live, for the last 2-3 years at least an extremely large number of sales have been consumated by $$$$$ buyers, much to the delight of the Realtor World I may add. Why so many cash Buyers you may ask? I think that there are a few reasons;   1. you have your traditiona...
01/19/2012
Okay, you've decided that you want to buy a home, and you're going to need to acquire a mortgage. You know that they are going to want documentation up front, and you're the type of person(s) who like to be prepared. here you go for starters...you will need 2009 & 2010 tax returns-all schedules 2...
10/29/2011
Okay what brought this on you may be thinking? Yesterday I received a totally unsolicitated inquiry in regards to my interest in employment with a Chicago based mortgage company. Here's the introductory line Thank you for you initial interest in------------ -------.  I had had not made any inquir...
10/27/2011
YES maybe NO If this is what is going to continue to come out of our Congress, maybe we should just extend their vacations, and let them all stay at home.Just a thought. the essence of the bill is to include energy calculations in the mortgage underwriting process, thus improving lending standard...
10/25/2011
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