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Archive | April, 2017

Apr 27

Mortgage Guidelines Getting Easier

Mortgage Guidelines Getting Easier

I always love to hear about guidelines loosening.  In a business where everything is so complicated, it is nice to get some good news every now and then!  Fannie Mae made some changes the other day that will make it easier for some applicants to qualify for a mortgage.  Here are a few of the highlights: Student Loans – If you have student loan debt that is deferred or in any kind of forbearance, we can now use the student loan payment that shows on the credit report. 

Apr 18

Unique conditions in Yuma housing market make NOW the perfect time to upgrade your home

Unique conditions in Yuma housing market make NOW the perfect time to upgrade your home

If you are a homeowner in Yuma county, I want you to know about a unique situation going on right now in the housing market that might present an opportunity for you. The Dual Market It is what we call a Dual Market, and it means that you can essentially sell your house in a seller’s market; and at the same time buy a house taking advantage of a buyer’s market. How does this work? The best way I can think to describe this is to show you

Apr 17

Shopping for the lowest rate on a mortgage

Shopping for the lowest rate on a mortgage

Mortgage rates change every day, sometimes multiple times throughout the day. So when you get prequalified and start looking at houses, it is important to keep in mind that your rate could be higher or lower depending on the market when you are ready to pull the trigger. (Hopefully lower!)  Depending on the day, it may or may not pay off to look at options for getting a lower interest rate by “paying points.” Due to the nature of rates changing so frequently, there is no one bank that

Apr 13

Buying a House After

Buying a House After

If you or someone you know is one of the many Yumans who lost their home as a result of a foreclosure, short sale or bankruptcy, there is hope! Not only is homeownership possible again, but it may be easier than you think. In most cases there is a waiting period before you are eligible to qualify for a home loan. But buying a house again doesn’t have to be complicated once you know the waiting period that applies to your personal situation and take the necessary steps to