Episodes
Friday Jun 04, 2010
Where does my loan money come from ? And why do I care about GREECE ?
Friday Jun 04, 2010
Friday Jun 04, 2010
Meet Vince Murray with Tidewater Mortgage Services they are a direct lender for home loans. Vince is new to lending but not new to excellent customer service. Vince passed all is license test with flying colors. If your looking for a lender with EXCELLENT service call Vince today. He is ready to work for you . As a new lender he has the best education an no bad habits to hold him back. Thanks Vince it was a great interview. Vince's office near Lynnhaven Mall and easy to get to .
Monday May 31, 2010
Where can I get a down payment ? What about VHDA ?
Monday May 31, 2010
Monday May 31, 2010
Kevin Warren Company: McLean Mortgage Corporation E-mail: Contact Kevin Warren (McLean Mortgage Corporation) Website: http://www.kcwarren.net Cell Phone: (757) 237-4920 About Us: As a Senior Loan Officer at Mclean Mortgage Corporation, my main priority is providing personalized, friendly, customer service to my customers. I carefully select the best loan options to present each client from an inventory of more than 300 home loan products. I will find you the best loan program for your family's needs now and in the coming future. I am proud to be a loan officer for MClean Lending Corporation, and I look forward to fulfilling your home financing needs. I want to be your personal mortgage consultant for life. Home Loan Down Payments When obtaining a home loan or mortgage, most loans require a down payment- FHA requires 3.5% down VHDA is a state program that allows you to finance the 3.5% down payment for FHA loans VA loans (military members) have a $0 down payment requirement Conventional loans usually requires 20% down Investment property loans require 20% at least down Sources for down payments: Checking/Savings account 401k loans Vehicle equity loans Other property equity loans (jewelry, art, etc.) ***Not allowed from unsecured funds- credit cards, unsecured/signature loans Gifts from Churches / Non-profit organizations / Employers Gifts or loans from family members Interest Abatement Features: If a Seller is willing to give maximun Closing Cost Assistance, it should cover all closing costs and pay the first 6 months of interest on the mortgage payment. This allows you to build your savings back up, or repay car, 401k, or family loans.
Tuesday May 25, 2010
Why does my lender ask me a million times for the same thing ?
Tuesday May 25, 2010
Tuesday May 25, 2010
Why does it seem that my lender has no clue of what they are doing ? Are you in the middle of buying a home or selling a home and it seems that every time you turn around they want more items ? James and I talk about why this happens. James does a great job explaining why this happens. There are 3 or more people that look over your loan file, each person might have their own questions. Many sales are taking more than 30 days to close if this happens you will need to have updated information. Call James today to talk more about getting a loan on your next home. James Walrod. 757-351-6408 james.walrod@union-mtg.com NMLS 1907, NMLS 260324
Saturday May 15, 2010
Weekend update, Upcoming shows
Saturday May 15, 2010
Saturday May 15, 2010
Join me Wednesday at the Daily Grind in Town Center for a live broadcast.
Monday Feb 16, 2009
Hampton Roads deflates a bit more in the housing market
Monday Feb 16, 2009
Monday Feb 16, 2009
This Podcast was brought to you by Alison Creamer: This podcast is a summary of Real Estate information for the Hampton Roads area. REIN stats show the Median Home Sale price for South-side Hampton Roads dropped again. The median sale price in Jan 2008 was 224.9 this Jan 2009 it is at 194k This is about where the levels were in 2005. My podcast is a reminder in 2005 the prices might have been lower but the rates were not. If you are a VA buyer , Military person or someone who plan on being in the area for sometime now is a great time to buy. Seller are flexible, rates are low and prices have dropped. It will be interesting to see what February numbers bring. It appears that in 08 prices dropped in February but peaked in July. I think that means if the trend happens again this is the lowest point for prices and we might expect to see a small rise in median sale prices as we go in to the summer months. Are you currently looking to buy a home in Hampton Roads ? I would like very much to talk with you about the options and trends. If you are a seller in this market you need someone who will give you the hard facts about what to expect. Its not always an easy job to deliver bad news or news we know the client does not want but this is not a time to ignore the facts. I spend a lot of time communicating what is going on. I will ensure you are aware of the market and allow you to make changes with your listing that will keep you ahead of the curve.
Saturday Jan 17, 2009
Why does a lender need your social security before you can get your interest rate ?
Saturday Jan 17, 2009
Saturday Jan 17, 2009
Naoma Doriguzzi explains why you need to offer all your information upfront With the new loan guidelines you will want to ensure your lender can give you the right information. The last issue you want it to find out you can get the rate you wanted at the last minute. My name is Naoma Doriguzzi and I am a mortgage consultant with Union Mortgage Group. I have been doing mortgages for the past 4 years in Virginia. I have access to hundreds of programs and there is a loan for almost every situation. Whether you want to purchase your dream home or refinance your current home, I can provide a custom solution to fit your need. · Commercial · 100% Investment Properties · Stated Income · Less than Perfect Credit (As low as 480 credit) · Interest Only · New Construction · FHA/VA/VHDA · 103% Financing Because most of my business comes from referrals, you are very important to me. When you refer your friends ,family and people you care about to me, you allow me to focus my time and attention on you and your borrowing experience. Your endorsements are greatly appreciated! You are the foundation of my business. Contact me for your free consultation, and experience the fast, fair and friendly service that I can provide. Naoma Doriguzzi 757-971-2876 Cell 757-306-3300 Office 757-306-3304 Fax ndoriguzzi@union-mtg.com
Friday Jan 09, 2009
Interview with Justin Williams ,Prosperity Mortgage
Friday Jan 09, 2009
Friday Jan 09, 2009
Thanks to Justin Williams a lender at Prosperity Mortgage . Our conversation today is about getting the best mortgage options and looking at second opinions. There are still great loan opportunities for credit challenged and cash poor buyers. Justin explains credit scores are not the only factor in getting a loan. I welcome you to give Justin a call if you want to investigate other options for your mortgage. Please tell Justin you heard his PODCAST with Alison Creamer when yo do call. Justin A. Williams Sr. Loan Officer Office Phone:(757) 490-9200 Cell Phone:(757) 692-3464 Address:4701 Columbus St Suite #300, Virginia Beach, Va, 23454 Email: Justin.Williams@prosperitymortgage.com