Whitney Watson's (whitneywatson) Blog

Credit tip number 7 is that you cannot close on a mortgage loan with an active credit dispute. Wrap up these issues before you apply for a mortgage and do not open new disputes with the credit bureaus before you close on your new home.    Click the links to see more credit tips! Tip # 6 Tip # 5 ...

I’ve previously written about First Home Mortgage’s FHA renovation loan product, the 203k: Found a Diamond in the Rough? Finance Your Home Purchase and Renovation Costs in an FHA 203k Loan 203k: Timeline and Troubleshooting While this is a great product, if you are able to come up with a 5% down ...

If you are looking for an FHA approved condo in Chesterfield or Midlothian Virginia, there are some great options out there.  Just like I mentioned in my blog post regarding FHA approved condos in Richmond Virginia, you will want to start with looking at the list of FHA approved condos in Chester...

If you are looking for a condo in the Richmond VA real estate market and you need to use FHA financing, there are some great options out there.  You will want to start with looking at the list of FHA approved condos in Richmond VA on HUD’s website.  If the condo is approved, you are good to go.  ...

Do you remember the Target and Neiman Marcus security breaches during the holiday season of 2013?  Millions of consumers’ personal and credit card information was compromised leaving them open to identity and credit card theft. We at First Home Mortgage in Richmond, VA, continue to see one afters...

  Credit tip number six is to remember your individual financial behaviors also affect others who share responsibility for credit cards, loans, and bills with you. This can be a touchy topic and I'm sure many of us have ended up on the short end of the stick when it comes to creditor know someon...

As a Richmond VA mortgage lender, answering borrowers’ questions takes up a good portion of my day.  Sometimes a question stems from the use of a term with which my borrower was not familiar.  This happens with just about any profession–whether you’re a preschool teacher, auto mechanic, or physic...

I’ve been doing a lot of reading on Dave Ramsey’s website lately as one of my colleagues is a fan.  I have to say that I like much of what he writes about living debt free and money management, but I found one thing while reading today that I did not agree with. What Dave Is Wrong About… Dave is...

As a working mom, bringing some sort of order to my household is key to being able to focus when it's time to work.  If you're getting zero sleep, are stressed before you even leave the house, and come home to a mess in the evenings, your work life is bound to suffer.  Here are some of my favorit...

  Great post by Ron Chastin on finding the right Realtor in Henry County and beyond!  As a lender, being able to reach a realtor when I need answers on a deal or help with a requested addendum is key as well.   When you set about buying a house, you will have already taken as a given that this wi...