This Is A Custom Widget

This Sliding Bar can be switched on or off in theme options, and can take any widget you throw at it or even fill it with your custom HTML Code. Its perfect for grabbing the attention of your viewers. Choose between 1, 2, 3 or 4 columns, set the background color, widget divider color, activate transparency, a top border or fully disable it on desktop and mobile.

This Is A Custom Widget

This Sliding Bar can be switched on or off in theme options, and can take any widget you throw at it or even fill it with your custom HTML Code. Its perfect for grabbing the attention of your viewers. Choose between 1, 2, 3 or 4 columns, set the background color, widget divider color, activate transparency, a top border or fully disable it on desktop and mobile.

This Is A Custom Widget

This Sliding Bar can be switched on or off in theme options, and can take any widget you throw at it or even fill it with your custom HTML Code. Its perfect for grabbing the attention of your viewers. Choose between 1, 2, 3 or 4 columns, set the background color, widget divider color, activate transparency, a top border or fully disable it on desktop and mobile.

This Is A Custom Widget

This Sliding Bar can be switched on or off in theme options, and can take any widget you throw at it or even fill it with your custom HTML Code. Its perfect for grabbing the attention of your viewers. Choose between 1, 2, 3 or 4 columns, set the background color, widget divider color, activate transparency, a top border or fully disable it on desktop and mobile.

Mortgage 101

/Mortgage 101

How To Select A Mortgage Broker

By |March 23rd, 2015|

Your Guide

How to Select a Mortgage Broker

Why is a mortgage broker important? The American home has traditionally been a wealth builder and often the family’s greatest asset. Its mortgage is relevant for years into the future and impacts the ultimate price you pay for your home.

A mortgage broker is a mortgage expert. Under the SAFE […]

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Credit Score Myths Infographic

By |August 5th, 2014|

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Click here for a downloadable pdf.

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How Banks Qualify Borrowers for a Home Loan

By |July 29th, 2014|

(function(i,s,o,g,r,a,m){i=r;i=i||function(){
(i.q=i.q||[]).push(arguments)},i.l=1*new Date();a=s.createElement(o),
m=s.getElementsByTagName(o);a.async=1;a.src=g;m.parentNode.insertBefore(a,m)
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How Banks Qualify Borrowers for Home Loans

The factors are:

Down Payment
Income
Credit Rating
Cash Reserves

The bank wants to know you have the down payment.  They will measure income against obligations, such as you car payment, credit card balances etc.  Credit scores are […]

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Banker or Broker?

By |July 29th, 2014|

(function(i,s,o,g,r,a,m){i=r;i=i||function(){
(i.q=i.q||[]).push(arguments)},i.l=1*new Date();a=s.createElement(o),
m=s.getElementsByTagName(o);a.async=1;a.src=g;m.parentNode.insertBefore(a,m)
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The Difference Between a Broker and Banker

Synonymous, in a way.  They both secure home loans.

 A mortgage banker works for a specific bank.  He offers the products from that bank’s portfolio only.
 A mortgage broker is independent and affiliated with many […]

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Understanding VA Loans

By |July 29th, 2014|

(function(i,s,o,g,r,a,m){i=r;i=i||function(){
(i.q=i.q||[]).push(arguments)},i.l=1*new Date();a=s.createElement(o),
m=s.getElementsByTagName(o);a.async=1;a.src=g;m.parentNode.insertBefore(a,m)
})(window,document,’script’,’//www.google-analytics.com/analytics.js’,’ga’);

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Active and retired members of any U.S. branch of the military love this incredible wealth generation benefit.  By taking advantage of the VA loan program, you can buy a home or investment property at a much lower cost than […]

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What You Need to Know Before Choosing an FHA Loan

By |July 29th, 2014|

(function(i,s,o,g,r,a,m){i=r;i=i||function(){
(i.q=i.q||[]).push(arguments)},i.l=1*new Date();a=s.createElement(o),
m=s.getElementsByTagName(o);a.async=1;a.src=g;m.parentNode.insertBefore(a,m)
})(window,document,’script’,’//www.google-analytics.com/analytics.js’,’ga’);

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The FHA offers some very good loan products but it’s important that you understand the details and know all your options before deciding on a loan.

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Understanding Jumbo Loans

By |July 29th, 2014|

(function(i,s,o,g,r,a,m){i=r;i=i||function(){
(i.q=i.q||[]).push(arguments)},i.l=1*new Date();a=s.createElement(o),
m=s.getElementsByTagName(o);a.async=1;a.src=g;m.parentNode.insertBefore(a,m)
})(window,document,’script’,’//www.google-analytics.com/analytics.js’,’ga’);

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Jumbo loans are an important financing tool in states like California where average home prices often exceed conforming loan limits.  These loans are harder to qualify for but watch this video and you will get some very good tips […]

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Refinancing Underwater with HARP 2.0

By |July 29th, 2014|

(function(i,s,o,g,r,a,m){i=r;i=i||function(){
(i.q=i.q||[]).push(arguments)},i.l=1*new Date();a=s.createElement(o),
m=s.getElementsByTagName(o);a.async=1;a.src=g;m.parentNode.insertBefore(a,m)
})(window,document,’script’,’//www.google-analytics.com/analytics.js’,’ga’);

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Underwater may not mean, out of luck!

If you find yourself underwater on your mortgage you may be able to find some relief by refinancing with a HARP 2.0 loan.

 

A traditional refinance path isn’t typically attainable when a home’s value […]

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First-time Homebuyer Process

By |July 29th, 2014|

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Our Easy to Follow 4 Step Homebuying Process
Step 1: Select your Team Real Estate Team and Get Pre-Approved for a Mortgage

Selecting a Real Estate Agent, a Mortgage Broker and obtaining pre-approval is an important first step.

Get pre-approved early!  We cannot stress enough, the importance of going through the pre-approval process.  In order to get […]

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Should You Rent or Buy a Home?

By |July 29th, 2014|

(function(i,s,o,g,r,a,m){i=r;i=i||function(){
(i.q=i.q||[]).push(arguments)},i.l=1*new Date();a=s.createElement(o),
m=s.getElementsByTagName(o);a.async=1;a.src=g;m.parentNode.insertBefore(a,m)
})(window,document,’script’,’//www.google-analytics.com/analytics.js’,’ga’);

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Mike DiVita shows the simple math behind renting vs buying and makes a very compelling argument for purchasing a home.

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