DEAR VAL: Mortgage Loan Officer Concentrating on Shelby County & Birmingham, AL

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Mortgage and Lending - Benchmark Mortgage nmls 2143 - NMLS # 198479
RECENT BLOG POSTS
WOW!  This has been a busy couple weeks.  I spent 20 hours in continuing education and used this as a great learning experience.  I was able to brush up on some old basics and also learn about some new changes in our industry taking place in 2010. I will also be taking the Federal test so I can c...
12/17/2009
FHA guidelines will allow the seller to pay up to 6% of the contract price toward purchasers closing costs, pre-paids and discount points. Conventional guidelines will allow the seller to pay up to 3% of the contract price toward purchasers closing costs, pre-paids and discount points. This is ve...
08/06/2009
Refinancing your currrent mortgage can be very beneficial to your financial situation.  Whether you are doing a rate and term refinance or a cash-out you may be able to save hundreds of dollars per month. In today's economic times it is important for your money to work harder for you.  There is s...
06/26/2009
The last 3 days have been a blur but days I will never forget!  There are Angel's Amoung Us, walking around everyday.  We just don't always take the time to find who they are and what they have the power to do.  Please share in our three day journey and see what hard working women are able to ac...
06/24/2009
Recently, I had the privilege of attending a seminar and the guest speaker was Bob Beaudine.  Bob has one of the most amazing stories to share.  The Power of Who is a life changing book written by Bob.  Bob says, all the power we need to succeed is already at our grasp.  The Lord has already plac...
05/01/2009
To qualify for the Refinance Plus pogram you must be in a Fannie Mae or Freddie Mac transaction.  If so this program is to help borrowers: *Reduce Mortgage Payments                                                                                                                                     ...
05/01/2009
Effective May 1, 2009, the HVCC will be the new guideline for appraisal orders on Conventional financing.   This means the loan officer will no longer have the ability to order the appraisal.  Appraisal orders will be chosen from a pool of licensed appraisers and ordered by the investor.  I have ...
04/27/2009
If you are planning to purchase a home in the City of Alabaster, AL, in the heart of Shelby County, you have chosen a great place to call home.  Alabaster in very convenient to shopping, restaurants, interstates, golf courses and a great school system. Alabaster is also very diverse with homes a...
02/02/2009
There is much talk in the media about what may come of the future announcements from our government.  There is some hope that interest rates may be cut but in the meantime, they may never come to fruition. This means from your clients they may wind up waiting for the best and lose out on reality....
02/01/2009
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Rush Limbaugh wrote a Bipartisan Stimulus that was published in the Wall Street Journal today.  I read the article and it  sounds like a winner to me.  Basically he is saying give the liberals pork barrel spending, give the conservatives their tax cuts.  If both sides help the economy even greate...
01/29/2009
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ValerieSpringer

Home Loan Officer AL, FHA, VA, Conventional and Re
local_phone205-314-4775
smartphone(205) 746-1284
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