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Frozen Credit? Applying for a Mortgage? Here is what to do…

Posted on March 30, 2019March 30, 2019 by admin

If you’re applying for a mortgage loan and have frozen credit files, you must unfreeze them with the credit bureaus in order for a lender to pull your credit report. To do this, you must contact each credit bureau directly,...Read More

What is a VA Tidewater?

Posted on March 22, 2019March 22, 2019 by admin

A Tidewater is when a family is purchasing a home using a VA home loan and the appraiser sees that the homes value might not be supported by the comparable sales they are finding. They will then reach out to...Read More

Why I love and hate the 15 yr fixed mortgage

Posted on March 8, 2019March 8, 2019 by admin

3 things to consider when choosing between a 30-year fixed rate mortgage and a 15-year fixed rate mortgage on an investment property: 1 - Cash-Flow Considerations: 30-year mortgage carries a lower monthly payment and therefore is more likely to result in positive...Read More

VA Cash Out Refinance Guideline Updates 2.15.2019

Posted on March 6, 2019March 6, 2019 by admin

VA Cash-Out Refinance changes Here are the highlights directly from the VA guidelines"c. All cash-out refinancing loan applications taken on or after February 15, 2019, as reflected by the application date, that do not meet the following requirements will not...Read More

Renovation Loan – Hot Topic in 2019 – Learn how it can benefit you!

Posted on February 18, 2019February 18, 2019 by admin

A renovation mortgage is the KEY to unlocking your dream home!...Many homes listed for sale today may not be move-in ready… at least not to your standards. But remember that childhood story about the ugly duckling? The ugliest duck in...Read More

Video – Why is my credit score different for a mortgage

Posted on September 16, 2018February 18, 2019 by admin

https://www.youtube.com/embed/TlH0vJ15qUs I If you are like me you track your credit score with one of many online credit score services. But when you go to obtain a home loan you find they your score is any from 30 points to 100...Read More

What to ask while shopping for a mortgage

Posted on May 10, 2018May 10, 2018 by admin

https://www.youtube.com/embed/HqYKzoEHSuQSecond opinions on the largest transaction of your life are always a good thing; it could potentially end up saving you thousands of dollars over the life of the loan. Once you decide to end up moving forward on a...Read More

2017 Down Payment Assistance Funds Given

Posted on January 26, 2018February 16, 2018 by admin

I am PROUD to say we provided almost $120,000 in Down Payment Assistance Funds in 2017. Call us to see if you qualify 480.553.8770 ** Max qualifying income $92,980 / Max purchase price $371,930 / Must be your primary...Read More

No Credit Score?

Posted on January 12, 2018February 16, 2018 by admin

If you don’t have traditional credit (credit cards, car loan or current mortgage), a No Score home loan may be the answer. It relies on non-traditional credit documentation like rent, utility, insurance and other recurring payments. Call or message me...Read More

34 things you need to know about the incoming tax law

Posted on December 29, 2017 by admin

Here is a great article on the new Tax Reform bill. http://money.cnn.com/2017/12/20/news/economy/republican-tax-reform-everything-you-need-to-know/index.html 34 things you need to know about the incoming tax law It's official. Congress has ushered through the first major tax overhaul since Ronald Reagan was president. The...Read More

Kevin Brierton nmls #599873 – a No excuse mortgage practice @ Caliber Home Loans

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