Tom Jarzynka's (tjarzynka) Blog

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Mortgage and Lending - Axia Home Loans & Real Estate Investment Firm
RECENT BLOG POSTS
Picking up the phone | GUILD MORTGAGE | Tom Jarzynka I love email because in my business it allows us to give an immediate source of reference material for our clients (e.g. updates, explanations, process expectations, etc). The issue with email is that it can easily become inundating for whoever...
04/30/2012
We need to start using a value range for Appraisals | GUILD MORTGAGE | Tom Jarzynka Dealing with an appraisal that comes in below what the sales price is on the PSA or what was expected for a refinance transaction to work is so incredibly frustrating.  We can put all the blame we want on the new ...
04/11/2012
How to First Time Home buyer’s buy a home in Seattle with the MCC Program | GUILD MORTGAGE | Tom Jarzynka  To buy a house in Seattle with the MCC Program, you will need to first see if you can qualify for the MCC Program. If you are in Seattle, in order to qualify then you will need to be within ...
04/11/2012
How to File your WA State MCC tax credit on your tax returns | GUILD MORTGAGE | Tom Jarzynka If you are enrolled in the WA State MCC tax credit program associated with your mortgage, you will want to remember that you can use the MCC tax credit for as long as you keep the property as your primary...
04/05/2012
How does Mortgage Insurance effect Conventional loans in Seattle | Guild Mortgage | Tom Jarzynka If you are buying a house in Seattle with less than 20% down, then you are going to be dealing with Mortgage Insurance. Specifically, for Conventional loans (vs FHA) there are more Mortgage Insurance ...
04/04/2012
Buying Foreclosed Properties | GUILD MORTGAGE | Tom Jarzynka Here at Guild Mortgage we are one of the few lenders in the state and nation that are able to refinance investors into conventional financing out of the hard money loans (or pull their cash back out of a property when paying with cash),...
04/02/2012
No real surprise: Sales for Investment and Vacation Homes have increased in 2011 | GUILD MORTGAGE | Tom Jarzynka According to the NAR’s 2012 Investment and Vacation Home Buyers Survey, "covering existing- and new-home transactions in 2011 reports investment-home sales surged an extraordinary 64.5...
04/02/2012
LP Troubleshooting A simple list for troubleshooting CAUTION findings from LP. Anticipate and alleviate credit blemishes Understanding the top five reasons for an LP caution will help you get your borrower from decline to approve with a little extra effort. Revolving debt > 50% Work with borrower...
03/29/2012
Buying a home in Canterwood near Gig Harbor | GUILD MORTGAGE | Tom Jarzynka I grew up in the Gig Harbor area and I have spent a lot of time in Canterwood over the years. If you are interested in buying a home in Canterwood for the community, clubhouse, the golf course, the stocked trout pond, loc...
03/29/2012
WA STATE sponsored First Time Homebuyer Program and Down Payment Assistance Income and Acquisition Cost Limits | GUILD MORTGAGE | Seattle Mortgage Guy If you are a First Time Home Buyer in Washington State and are interested in the Washington State Housing Finance Commission sponsored first time ...
03/27/2012
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Tom Jarzynka
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