Your 1st Step to home ownership BLOG

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The majority of homeowners turn to banks when it comes time to get a mortgage. They are the most obvious choice, mainly because home loan services are usually offered at the customer's primary banking institution. However, borrowers who have trouble qualifying or need to finance tricky deals wil...

Here are some great tips to delight our customers: 1. Notice your customers.2. Look good and feel good.3. Greet them by saying "Hello". "Good morning", "Welcome" or "How may I help you today?"4. Smile.5. Give the customer your full attention6. Provide the customer with what he or she needs, and o...

-You shouldn't refinance if you are not planning on staying in the home long enough for the savings to at least cover the refinancing fees -If you have been paying on your loan for more than ten years it may not be worth it to you to refinance. Within a certain amount of time you begin paying dow...

Reasons you should refinance: Want to lower your monthly payments? CASH out on your home equity to lower debts or etc... Change you loan program- from adjustable rate to a FIXED rate If your income has income has changed over the past few years & you are able to make higher payments to build your...

WHY rent when you can BUY?                                                                                                            •ü There is no reason to rent when you can own! •ü  Now's the time take advantage with today's lower interest rates •ü Take advantage of the BUYERS market! •ü Down...

Credit coaching  has never been easier, Fast, Efficient!!! LOAN originators: Loan Officers at Mortgage Companies and Banks: if you have a client who is falling short of getting approved for a mortgage loan. Contact US to help us, help your client, get back on track and increase their credit score...

This is a list of things to steer clear of when you are seeking to obtain financing for a home. The following items may prove to be a detriment when you wish to move forward with the loan process.   1.Don't buy or lease an auto!  Lenders look carefully at your debt-to-income ratio. A large paymen...

Keys to creating a good working TEAM 1. Unique contributors instead of interchangeable parts. You're not building Model Ts and you're not running an assembly line. Each person on your team has unique talents to contribute and they should be respected for what they bring to your practice. 2. A val...

What Does a Government Shutdown Mean For You? Federal employees In the event of a shutdown, the federal government does not actually stop functioning entirely: activities and employees deemed "excepted" (in 1995, the terminology used was "essential") to keeping the nation safe and operational con...