Pre-qualification Vs. Pre-Approval
A pre-qualification is merely the homebuyer giving me the information. “I make $8,000 a month. I have $800 in debt. I have a 720 credit score.” Based on what you’re telling … Continued
VA Loan: Certificate of Eligibility
Question: Okay, so I’m discharged from the military. I have a DD214. How do I go about getting a COE that I’m hearing about, and what is that? Okay, so if you’re discharged from the military and we’re going to … Continued
How I Got Into the Mortgage Industry
It was really interesting how I got into the mortgage industry. I was doing door to door sales, and I was selling desk phones door to door. I happened to call on a mortgage company, and I stopped by to … Continued
What If My Spouse Has Bad Credit
Let’s say my wife and I are buying a home together. And let’s say her credit is at where it needs to be. She has a bunch of debt and bad collections and all that kind of stuff. Do I … Continued
The Only Thing Holding You Back
The only thing holding you back is yourself. I mean, I’ve heard that many, many, many times. Honestly, think about that. The only thing holding you back from what you want to accomplish is you. I mean, how powerful is … Continued
Bank Statement Lending
Okay. So bank statement lending. Ooh, let’s talk about that. This would be for somebody that maybe they don’t file tax returns, or maybe they do file tax returns, they just write off all their income. I’ve had people make … Continued
HOW I GOT A CLIENT WITH AN 590 CREDIT SCORE INTO A $315,000 HOME
This is Episode One of The One Minute Mortgage Solution. So, here’s what we had. We had a client with a 590 credit score, only $2,000 to work with, wanting to buy a $315,000 home. So how did we … Continued
The Fourth Quarter
This is the fourth quarter. We’re going into the fourth quarter of business. In football, we all know that the fourth quarter means you win that fourth quarter, you winning that game. This is different. You win the fourth quarter … Continued