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An escrow is when you include your taxes and insurance with your monthly mortgage payment.
Read More: http://everythingfinanceblog.com/2007/11/Mortgage-escrow-to-do-or-not-to-do.html
Duration : 0:1:8
Follow the adventures of Bob and Sally as they learn about Mortgages and interest rates in their home buying journey.
Duration : 0:2:58
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One of the most frequent questions we get asked is “Are you in the real estate industry?” Many people wonder if we just report on the news and technology affecting the industry, or if we’re actually practicing real estate professionals.
We actually are in the real estate industry. We work for a mortgage banker in San Antonio, Texas. This basically means two things for our viewers:
We practice what we preach on the show, on a daily basis.
We feel your pain.
Here are three things we encounter on a weekly basis that can cause your client’s Mortgage loan application to explode.
The Big D, And We Don’t Mean Dallas
If I had a $1 bill for every time someone tried to apply for a loan while going through a divorce. I would have, um, numerous dollar bills lying around.
Seriously though, this happens more often than you’d think. Most seasoned mortgage professionals catch on to this pretty quick and handle it accordingly. Going through a divorce doesn’t alone disqualify you from getting a mortgage loan, but it does raise several questions and issues for most lenders and investors.
Banks or anyone for that matter, have no interest in getting caught up in the emotional and financial woes of a divorce. That is unless you have the proper documentation. Most divorces actually lead to a refinance, and often times it happens before the divorce is final.
The borrower needs to come with an agreement signed by both parties as to who gets the home, so the banks know who to qualify the loan for. It can be done, but it can get hairy, especially if your client tries to keep the information hidden from your or the lender. It’ll come out eventually.
A Career Change
In the recent economic environment many people have had to change jobs. Mortgage lenders understand this fact. The problem is Government and Investor overlays greatly decrease the chances your client will get a Home Loan. These job related overlays have hindered many from cashing in on these historically low interest rates.
Having a two year work history is the industry standard for what it takes to qualify. This rule has a few caveats though. A job change doesn’t necessarily mean a career change. If your client is an RN for a local hospital and moves to another hospital with the same job title, you should be ok.
The most shocking development as of late has been the growing number of borrowers that leave or change jobs in the middle of a loan transaction. Make sure you and your lender are advising you clients to stay put. It might seem like common sense to you, but don’t overlook this potential deal breaker. You’ll regret it later if you do.
The New Deal About New Debt
One of the biggest issues in recent memory for why mortgage loan applications explode is your client taking on a ton of new debt right before or during the Loan process. The most notorious examples are buying a new car or a lot of new furniture on credit.
This also applies to currently opened trade lines. One of the newest investor overlays is a requirement to pull a new credit report just days before the loan closes. Any new debt can throw your debt-to-income ratio out of whack.
Make sure you’re advising your clients to hold off on these purchases until after closing. The last thing you want to see is a deal blowup because your client just had to have that new leather couch or titanium side by side fridge.
Duration : 0:4:42
A brief discussion from Mark Crawford of where we are in the current real estate cycle.
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Duration : 0:1:22
This podcast provides practical tips on what to look for when inspecting a property. The most important thing is to make sure that you don’t skip this critical step altogether. A surprising number of investors make small trust deed investments without seeing the property, and then they wonder what happened if the investment gets into trouble. Seeing the property yourself cuts the risk of the investment dramatically. For this reason, we prefer to invest in Southern California when making small Loans. Investing in other regions of the U.S. is fine if the loan amount is large enough to justify a trip to see the property and to understand the market.
The top priority when seeing the property is to establish the real current market value. Do not rely on appraisals. It should be possible to establish your own opinion of value from looking at the property itself plus recently-sold properties near the subject property.
Duration : 0:4:56
Visit ‪http://www.RGHRealty1.com to learn more. Real Estate Video Series by RGH Realty #1, Inc. (Robin L. Ham). Licensed Real Estate Professional/Broker in the Greater New York Area (Rockland, Orange, Westchester, Yonkers & Manhattan)
Duration : 0:2:27
Looking for a Home Loan? Our focus is all about YOU! Whether you’re a first home buyer, property investor, upgrading your home or simply looking for a better deal on your existing Home Loan, Think Advantage offers more Choice, better Service & the right finance Solution by comparing products and interest rates from Australia’s top lenders. Our unmatched service experience, provides professional advice & personal support throughout the loan process from application right through to settlement ensuring we’re with our clients every step of the way. Servicing all areas, our Finance Managers meet at a time & place that suits, which saves you time & takes the hassle out of running around to find the right home loan. For a free, no obligation appointment contact the team at Think Advantage today on (03) 9761 1881 or email us at info@thinkadvantage.com.au – To learn more about the unique benefits our clients receive, please visit us at http://www.thinkadvantage.com.au
Duration : 0:2:31
Settling down in South Carolina? Upstate Mortgage, with three offices in the state, has over 15 years experience handling Mortgages and helping folks like you buy, finance and refinance their homes. Whether it’s your first home, 50th home or vacation home, these brokers, all South Carolinians themselves, offer honest appraisals, answers and advice. Come see why Upstate Mortgage has won all those awards!
Visit us http://www.yellowpages.com/info-7233597/Upstate-Mortgage?from=youtb
Duration : 0:1:10
Ben Kingsley the Founder of Empower Wealth joins Melbourne Property TV’s expert Panel to discuss the reason why and the benefits of refinancing your Home 
Sue Kuhn of Big Valley