Tracie Schmidt's (tschmidt) Blog

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Mortgage and Lending - Licensed Mortgage Consultant - NMLS 269424 - NMLS# 269424
RECENT BLOG POSTS
It is imperative that you get accurate taxes for all transactions but most importantly on purchases. Here is a great tool that will pull any online tax sites together. On a purchase in California there may be mello-roos or other bonds above and beyond their secured taxes. This will show up as a s...
01/26/2012
    Large low maintenance Rancho Bernardo 4 Bedroom 3 Bath home with a backyard. There is an elegant living room in this Rancho Bernardo 4 Bedroom 3 Bath home and wood floors. You will also find marble tile, brass chandeliers and custom drapes in this Rancho Bernardo 4 Bedroom 3 Bath home. This R...
01/20/2012
Co-Brand Feature Sheets for Your Listings I have an incredible new marketing tool to create co-branded feature sheets for your listings. If you send me a photo of the listings and relevant info about the homes, I will create them for all your listings. The printed version can be used at open hou...
01/20/2012
The word cash when dealing with buying or selling a home can help or hurt a particular transaction. When a seller hears "cash offer" their eyes light up and rightfully so, what better offer to accept then cash. However, as a lender when you are in the process of helping a buyer with a purchase lo...
12/13/2011
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THE DOs and DON’Ts of GOING GREEN!  DO Want to Use Clean Energy -                                                                DON’T need equity  DO Want to Save Money on your Energy Bill -                                            DON’T need money out of pocket  DO Want to Potentially Increas...
11/29/2011
That is really what it comes down to. How can we help as many families as possible better their financial situation. I'm sure most of you have heard the recent announcment of hopeful changes coming to the HARP program. When is it available?   Fannie Mae and Freddie Mac are scheduled to provide fu...
10/25/2011
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There are more and more buyers on the fence about purchasing a home. Is this a good time? Should I wait? Will rates get better? Will I qualify for financing? This is an article that will give some hope to buying now. There are a lot of great financing options for first time home buyers or for som...
10/18/2011
Did you know that borrowers who purchased their subject property within the last six months are eligible for a cash-out refinance? For specific guideline requirements give me a call at 619-325-2005.
10/14/2011
Many times clients ask when they are able to cancel mortgage insurance if they are doing a FHA refinance or purchase. For more information contact Tracie Schmidt at 619-325-2005 Cancellation of FHA Monthly Mortgage Insurance For loans closed on or after January 1, 2001, FHA's annual MIP is automa...
10/12/2011
The change coming that will effect note dates after 9/30/2011 is to the temporary loan limits that were in place.  What does that mean to you on a Conventional Loan? High balance isn’t going away, just the temporary loan limits are.  Anything between $417,000 and $546,250 (for San Diego county) ...
08/25/2011
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