3 Simple Keys to the Lowest Home Loan Payment

With mortgage rates in flux, home-buyer's and homeowner's are looking for better options.  Specifically, the lowest possible monthly mortgage payment possible.  While feeling powerless in the face of a shifting home loan rate market home-buyer's and homeowner's should take comfort knowing they still have some control over their mortgage payment destiny. Apply for a Home Loan  Team@JeremyHouse.com 602.435.2149 3 Keys to Lowering Your Mortgage Payment In fact, there are 3 well known … [Read more...]

Key to a Smooth Mortgage Closing

Complex home loan regulations cause mortgage underwriters to over analyze every detail on your home loan application.  As a result, your Arizona mortgage loan officer needs to also serve as your personal "pre-underwriter."  An excellent loan officer knows loan guidelines better than a mortgage underwriter.  A loan officer that does is a key in experiencing a smooth mortgage closing! Apply for a Home Loan  Team@JeremyHouse.com 602.435.2149 Listen to Your Loan Officer That is it!  The first … [Read more...]

Inaccurate Bankruptcy Discharge Dates & VA Home Loans

Often, we receive urgent"I NEED HELP" calls from clients who receive bad news from their current lender.  The most common type of these calls involve a loan officer missing a tiny yet key detail that has led to some unfortunate circumstance for a buyer.   One such call involved a VA home loan and an inaccurate chapter 7 bankruptcy discharge date. Apply for a VA Home Loan Now Team@JeremyHouse.com 602.435.2149 Auto Underwriting Systems & VA Borrowers Credit VA home loan rules require VA … [Read more...]

Arizona Home Loan Pre-Qualification Form

In Arizona, home-buyers must provide a state specific document from their Arizona Mortgage Lender.  The from validates that they are pre-approved for a home loan.  This powerful document is called a "Pre-Qualification Form" or "PQF" for short. Take a peak at what the Arizona Pre-Qualification Form.  Whether you are buying in Chandler, Mesa, Gilbert, Tempe, Scottsdale, Sun Lakes, Queen Creek, Avondale, Glendale, Tucson, San Tan, Ocotillo, Phoenix or any other city in Arizona - you will need a … [Read more...]

The State of Real Estate Appraising

Its no secret, appraising a home when securing a mortgage barely resembles the same process a few years ago.  Without a doubt, post-Dodd Frank, post-TRID appraiser faces far more scrutiny and regulatory oversight.  Regulatory impact has proven to be far reaching in the appraisal industry effecting home-buyers, mortgage lenders and real estate agents. Why is Real Estate Appraising more Difficult Now? In the "good ole days" of mortgage lending (pre-housing meltdown) appraising was nearly 1 … [Read more...]