Helping clients avoid private mortgage insurance is one of the most important things that we do. You want to try to avoid mortgage insurance at all costs for a couple of reasons. Number one, mortgage insurance doesn’t fall off of most loans until you’re in the 10th or 11th year of that amortization schedule,
A seller paid interest rate reduction or buy down is 300% more effective than a price reduction and I can prove it. What’s happening right now is our clients are getting sticker shock because not only have home prices gone up but interest rates have moved up.
One of the things that trip our clients up the most is student loan indebtedness. Most lenders, whether it be loan officers at other banks that aren’t familiar with working with professionals that have student loans, don’t really identify how to correctly classify those student loan payments,
The economic expansion that began in 2009 is the longest in American history. Bull markets cannot run forever and at some point in the future (potentially the near future) the economy will need to pause to take a breather.
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Why Should I Get Pre-Approved BEFORE Finding THE Home I Want?
If you’re like many clients we speak with, going through the process of getting pre-approved, having your credit pulled, and supplying documentation, seems like too much work until you find THE home you want to buy.