Official Mortgage Lender of FAU AthleticsOfficial Mortgage Lender of FAU AthleticsHow many times have you found yourself in this position: you put together a brilliant presentation, your sales pitch was flawless, the potential client seems really interested, then…..nothing. Suddenly, when it’s time to close the deal, you lose confidence and things start happening wrong. This is not only common in real estate, it’s common in […]
Read MoreProspecting for clients is one of the most fundamental ways you will grow your business as a real estate agent. Simply put—do it the right way, and you’re setting yourself up for success; do it the wrong way, and you’re going to have trouble staying afloat as a business owner and entrepreneur. There’s just no […]
Read MoreParticipants in the HARP 2.0 program—a program that is designed to assist homeowners in refinancing their mortgages, even if the mortgage is more than the home’s current value—are being encouraged to shorten the terms of their refinanced mortgages. According to the Federal Housing Finance Agency’s (FHFA) website, “borrowers who owe more on their mortgages than […]
Read MoreOn September 7, 2008, the collapse of two government-sponsored enterprises (GSEs)—the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac)—changed the landscape of the mortgage lending industry completely. Since then, there has been much effort within the mortgage industry to restructure itself why following stricter guidelines. This recovery effort […]
Read MoreYou might have heard how difficult it is to get a jumbo loan. You might even be confused now on what a jumbo loan actually is – and there’s reason for that confusion. The reason is that the concept of a jumbo loan means two very different things based on whether you are working with […]
Read MoreThe Federal Housing Administration (FHA) Streamline Refinance is an option available to all current FHA-backed homeowners, and now with new rule changes, the process is even easier to complete. In an effort to qualify more homeowners for the FHA Streamline Refinance, the FHA has decided to make the process as easy as possible. This means […]
Read MoreIf you are considering buying a home, qualifying for a mortgage is the first step to making your dream of home ownership a reality. Interest rates are at an all-time low, it’s a buyer’s market, and it’s a great time to purchase – there’s no doubt about it. But it’s important to understand that the […]
Read MoreLet the mortgage prodessionals answer the mortgage questions that are most important to you. There are several types of mortgages and each client’s best intesrest are served by a knowledgeable mortgage banker who is familiar with all of them. In general there are conventional loans, government loans which inclufe FHA, VA, and Reverse Mortgages and […]
Read MoreWith fixed rates remaining under 3.875%, many people are considering refinancing their mortgages to lower their monthly payments and overall debt burden. If you can drop your interest rate by as little as ½ percent, you will be saving thousands of dollars. It just makes good financial sense to do it, particularly since changes in […]
Read MoreCurrent turn around times to process a refinance or purchase loan is approximately 3 weeks. Retail banks can often take 60-90 days which creates a tremendous advantage for small direct lenders like Choice Mortgage Group. Another reason for the fast turn around time is the file is always overseen by the broker and not passed […]
Read MoreOne way to reduce closing costs is to structure the loan with a marginally higher than best available rate which creates revenue for the bank to help pay your closing costs. For instance, if the best available rate for a 30yr fix is 3.75% with standard closing costs, we can raise the rate by a […]
Read MoreHere in Florida we have three components of fees which include the bank, the title company, and the state. My bank does not charge any points and therefore our fees only change depending if the loan is a government loan or conventional loan. Most of the title fees and state fees are promulgated by the […]
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