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Posts Tagged ‘Mortgage Broker’
I am a licensed Mortgage Broker and I love my job - and I love talking about it - Any mortgage questions?
September 27th, 2009 Posted by: admin
For leads - title companies. They offer the best because they have everything already. 
The simple answer to the bad credit question is easy - you save at least 10% - 20% to bring to the table. It’s not easy to do, but otherwise you’ll be facing some very high rates.
But if you can afford it, and you really don’t want to wait to increase you downpayment - that may be your only choice.
The downfall of 100% financing is twofold.
1. Your rates will be high - if not immediately, they will be when your ARM kicks in.
2. Unless you make extra payments throughout the year, you will have no room to refinance or sell if you have to.
California almost always sets the trends for the rest of the country. So when for some it’s good - California is great, for some it’s bad - California is worse. The difficult thing about commenting on a city or county is, there are so many different characteristics involved that it is impossible to 100% right without being 100% wrong at the same time.
Clients should view their purchases and investments based on it’s immediate surroundings. If where you live is surrounded by expensive homes - chances are good that your home will hold its value. If the neighborhood is slowly going down, well maybe your block isn’t far behind.
Right after location, location, location you have people, people, people. People want to go where there are people that think like they do. People that like the sun will go where other people like the sun, snow people go where snow people go. It all comes down to the neighborhood that they end up in - the value is always in the neighborhood, not the houses.
By: RedRoverRealEstate
5 Comments The simple answer to the bad credit question is easy - you save at least 10% - 20% to bring to the table. It’s not easy to do, but otherwise you’ll be facing some very high rates.But if you can afford it, and you really don’t want to wait to increase you downpayment - that may be your only choice.
The downfall of 100% financing is twofold.
1. Your rates will be high - if not immediately, they will be when your ARM kicks in.
2. Unless you make extra payments throughout the year, you will have no room to refinance or sell if you have to.
California almost always sets the trends for the rest of the country. So when for some it’s good - California is great, for some it’s bad - California is worse. The difficult thing about commenting on a city or county is, there are so many different characteristics involved that it is impossible to 100% right without being 100% wrong at the same time.
Clients should view their purchases and investments based on it’s immediate surroundings. If where you live is surrounded by expensive homes - chances are good that your home will hold its value. If the neighborhood is slowly going down, well maybe your block isn’t far behind.
Right after location, location, location you have people, people, people. People want to go where there are people that think like they do. People that like the sun will go where other people like the sun, snow people go where snow people go. It all comes down to the neighborhood that they end up in - the value is always in the neighborhood, not the houses.
By: RedRoverRealEstate
Refinance: Is it legal for the previous mortgage broker to charge penalty to reimburse the original lender?
August 14th, 2009 Posted by: admin
…even if the original loan had no prepayment penalty?
3 CommentsPlease refer to the following form. Is it even legal in CA?
In the event I / we refinance the loan through anyone, other than “XXX Lender”, within twelve (12) months of the funding date, I / we agree to reimburse “XXX lender” for any, and all, penalties against it by the original Lender, or anyone to whom the loan may have been assigned.
“BY SIGNING BELOW, I / WE HAVE READ, UNDERSTAND, AND CONSENT TO SUCH REIMBURSEMENT SHOULD THE EVENTS DESCRIBED ABOVE OCCUR.”
By: alec b
If I submit a mortgage application today?
July 11th, 2009 Posted by: admin
My mortgage broker is telling me that banks are over capacity processing requests for mortgages and that it will take over 30 days to have a decision about whether or not my mortgage is approved. Is this accurate information?
I live in New York State - the Hudson Valley area.
By: Mandy S
No CommentsI live in New York State - the Hudson Valley area.
By: Mandy S
I was a mortgage broker when things were HOT and now they are NOT. Whats a good thing to get into?
July 2nd, 2009 Posted by: admin
I was thinking about Pharmaceutical sales or being an REO asset manager at a bank for some steady base pay any other ideas?????????????????? Im looking for at least $50,000.00 -$75,000.00 base + comm. a year
By: 123ABC
2 CommentsBy: 123ABC
What does a Mortgage Broker do?
June 20th, 2009 Posted by: admin
…and what is the Secondary Mortgage Market?
By: Creature
7 CommentsBy: Creature
. the mortgage broker ask that I pay add’l fees outside of title. is this legal?
June 19th, 2009 Posted by: admin
bought a new home in ca, I paid more money to buydown int. rate. mortgage co. said I would have to pay add’l fees to mortgage co. outside of the closing cost to title co. because it is over the amt allowed by the state. mortgage co. wants to to me to pay $4k to them directly besides what I pay to the title co.
By: searching
4 CommentsBy: searching
Question for a mortgage broker, please?
June 14th, 2009 Posted by: admin
can you please tell me who pays what for the following. Maybe put a (B) for buyer or (S) for seller. Thank you!! Also, this is a brand new home built by a local company.
1.) appraisal fee
2.) underwriting fee
3.) tax service fee
4.) flood & courier fee
5.) mortgage ins.
6.) document preparation
7.) title insurance
Why does there have to be title ins. With it being new property there can’t be any leans on it??
THANK YOU FOR YOU HELP
By: db
2 Comments1.) appraisal fee
2.) underwriting fee
3.) tax service fee
4.) flood & courier fee
5.) mortgage ins.
6.) document preparation
7.) title insurance
Why does there have to be title ins. With it being new property there can’t be any leans on it??
THANK YOU FOR YOU HELP
By: db
Can I sue my mortgage broker? I signed a good faith estimate for a rate of 4.75%?
June 13th, 2009 Posted by: admin
Verified repeatedly over the phone and via email that the rate was locked only to be notified yesterday that they couldn’t get that rate and they could only offer me 5.5%. Had I known about the deception, I would have left the lender two months ago and secured a different loan while the rates were still .5% lower. Anything I can do?
By: Mark K
No CommentsBy: Mark K
I was sexually attacked by a mortgage broker.can he get in trouble?
May 25th, 2009 Posted by: admin
It happened in the state of California.
My sincere thanks to all of you. I am an emotional wreck over the situation.
By: pixie dust
17 CommentsMy sincere thanks to all of you. I am an emotional wreck over the situation.
By: pixie dust
how can I become a self-employed mortgage broker?
May 23rd, 2009 Posted by: admin
and earn a lot of money 
By: davy c
2 Comments By: davy c