Ray Villanueva's (rvillanueva) Blog

Happy first Monday of the New Year. Out with the old and in with the new. Not only am I referring to the year but I am also referring to our new state license requirments. Within the first 30 days we must report to the Dre and make the necessary arrangements.  This applies to those of us who inga...

I have had several questions regarding my link  "Understanding the mortgage process" videos. I have no problem creating a personalized video for your listings and a monthly video for your website as well.. I also can provide you with references from other Realtors who have and are using these vid...

Realtors, December 16 the department of Housing and Urban Development released a mortgagee letter 09-52 explaining Short Pay Offs and Short Sales. Even though I've heard it's a long and arduous process surrounded by a black cloud some of my Realtor partners have asked me to do more research and f...

This economy is hard enough but with FHA changing the guidelines it's not getting any easier. For example When FHA changed the fico requirements from 580 to 620 I probably lost 50% percent of my clients and what did FHA just do they changed the FICO score again from 620 to 640 this time I was rea...

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Do you have options? Of course you do, but, like most of us we do not know where to go or who to go too. Before you just give up your home, check with your current lender and ask them about the following options, Forbearance Option: Ask your lender to reduce or suspend payments until your able to...