resources

Points Vs No Points? That is the Question.

What are points? Should I pay them? Is it a junk fee? What are the benefits to paying points. This episode of Mortgage Dish dishes on what points are, how they impact your mortgage and whether or not it is a good investment.

Adjustable Rate Mortgage Vs. Fixed Rate Mortgage

Most people shy away from ARM's because of the uncertainty of the future. With interest rates creeping up, learn one strategy to ease those concerns.

I LOVE this house…BUT

You see the picture online. This is the perfect neighborhood, perfect street, perfect school system. You walk into the house and you love everything about it EXCEPT... [insert your but] kitchen is too small...this bathroom is horrid...the wallpaper has to go...the septic is outdated. Whatever you BUT, a renovation loan can turn it into beautiful.

Make it All Your Own in ONE loan

Buying a home that requires a few update? loanDepot't home improvement financing options can help you purchase a home and lump the cost of repairs into a single, low cost mortgage.

Appraisal Gap with Tammie Cranich

Hello, I wanted to introduce myself because I will be the lender assisting the List Agent. If we have the opportunity to serve you. I have two particular roles in your transaction. 1). I will validate all buyer offers submitted for financial strength, but more likely my second role, solve any financing challenges if they arise. For example, one of many challenges that we can solve in this market is what happens if the appraisal comes in low. We would implement this during the offer/screening process to create the plan upfront vs. reacting during the active escrow process, causing delays and, worse, cancelation so that we can generate the most significant profit on the sale of your home. This video scenario details how to handle " If " the appraisal comes in low, so the client can still qualify for the loan and that we keep the escrow open and flowing.

Loan Program

Here are some of the details of the loan programs.

CMA

In the real estate industry, a comparative market analysis (CMA) is an estimate of your home's value based on recently sold and similar properties within close proximity to it. A CMA can be used by sellers or buyers as they set listing prices for their property or make competitive offers to purchase another house respectively- so that you get the most accurate idea possible about what houses are worth around your area! If we have the opportunity to help you sell your home, here is a demo of a site we use and all of its valuable content to help market and educate potential buyers of your home.

Should You Buy or Wait for Your New Home | Your Cost Of Waiting

Hello, If you're thinking about either buying your first home or moving up into a bigger home. Then I this video shows you the cost of waiting.

Appraisal Gap with Tammie Crainich

Hello, I wanted to introduce myself because I will be the lender assisting the List Agent. If we have the opportunity to serve you. I have two particular roles in your transaction. 1). I will validate all buyer offers submitted for financial strength, but more likely my second role, solve any financing challenges if they arise. For example, one of many challenges that we can solve in this market is what happens if the appraisal comes in low. We would implement this during the offer/screening process to create the plan upfront vs. reacting during the active escrow process, causing delays and, worse, cancelation so that we can generate the most significant profit on the sale of your home. This video scenario details how to handle " If " the appraisal comes in low, so the client can still qualify for the loan and that we keep the escrow open and flowing.