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To service all your real estate needs, we’ve partnered with a local real estate company. It’s the best of both worlds . Here is the new face of Par3 Realty.
We still have a lot of money to save you guys, and information to share on how to be gangster in the real estate and mortgage businesses. Thank you.
The home buying process was, well, a process, you’ve closed now. Here are a few things that I like to show up with at closing. Wine, music, and more.
These the things you don’t want to miss. You’ve got an option period. You’ve got a financing period. And then, of course, you’ve got your closing date.
Yes, you can close in 20 days or less. It’s all timing, but it requires you have the right team. Codemark Financial is all about speed and performance?
Perhaps you’re looking to buy a house, and you’re working on the pieces that you need; good credit, down payment or something else. Tune in to Codemark TV.
This time around we’re going to talk about divorce and its relevance to the mortgage process. It’s not the best thing to talk about, but it’s very relevant.
Buying a house and going through the mortgage process can be a little bit of a fight, right? Thing is, you can always be prepared for that fight.
We’re talking about low interest rates. What do you need to get that low rate you see on TV, radio, online or hear about from friends? Three things.
Welcome to our new series, #YourSuperStar. most of you might think that being pre-approved and being pre-qualified are the same thing. Nope. Here’s why.
Our tale ends with a valuable lesson. We can all use a break from excessive taxes. Here’s how to keep some of that money in your pocket.
We’re now finished in your loan process, so congratulations again! If you go back through all the episodes and you think about what we’ve gone through, it’s been a tremendous journey.
Can home loans take longer than four weeks? Yes. Whose fault is it? Let’s talk about what might delay your closing from that typical 30-day transaction.
This whole time we’ve been talking about how to go through the underwriting process; we said that you had written a contract, probably at this point about 30 days ago.
What is week three? Week three, just to keep it simple, is when you get to order all your third party items, such as, ordering an appraisal. What’s an appraisal?
So now we’re talking about the underwriting process; last week we had week one, this week is week two. Week two is when you get your conditional approval.
Your offer has been accepted, congratulations! Now, you’re heading to underwriting. The process takes about 30 days / four weeks. So here’s week number one.
Use your tax situation to benefit your mortgage whether you got a return or owe. Here’s how your taxes can help you make an extra mortgage payment.
So we’ve been talking about all the steps from pre approval to the money you’re going to invest in your transaction for real estate.
You’ve made an offer, and you’ve put down earnest money and an option fee. Now it’s time to get a home inspection. So what’s the home inspection for?
So we were talking about the transaction, right? We talked about earnest money, and now we’re talking about the option fee.
So we talked about pre-approvals. We’re now into the real estate transactions. There are monies, investments that you have to make. What are they?
Tax season is closing. For some, we’re walking away with a refund. And for others, tax season stresses the checkbook. Paying taxes is a game you can win!
Once your pre approved and your offer is accepted you’ll cut three checks: 1) Earnest money, 2) Option period, 3) An inspection. More in future episodes.
Jumbo loans are in excess of $424,100. They do have a little higher interest rate because they’re considered non-conforming and require two inspections.
The recession cost many families their homes. If you suffered – forced to short sale, you may wonder about your chances for a new home. There is hope!
What is a USDA loan? USDA loans are specific for properties that are located in rural areas. Being “rural” doesn’t mean it’s going to qualify. Here’s more.
We’ve talked about conventional and FHA loans. Now we’re talking about VA loans, exclusively for veterans and their spouses – thank you for your sacrifice.
Last time we talked about conventional loans. Now we’re talking about FHA loans. Credit score and lower down payment requirements are just a few benefits.
2017 is a year of change… Remember me talking about Donald Trump’s election and how that may change how interest rates would work? That time has come.
So we got you pre-approved. Now we’re talking about loan programs. We went over the overview of them last time. We start with conventional loans.
Did you consider refinancing—feel like you missed out? You didn’t. January is the best time to refinance. Here’s a method to refinancing early in the year.
What are the loan programs for you? There’s a few to choose from. Conventional loans, FHA loans, VA loans, USDA loans and Jumbo loans (for big houses).
What is worse than trying to grow a beard when you can’t? How about trying to get a mortgage and you can’t? Today we’re talking about debt-to-income ratio.
Loan programs have different requirements, different perks and different drawbacks. Learn how VA, FHA and Conventional differ in down payment and PMI.
I saw on the news that analyst expect consumers to spend at least $900 on Christmas gifts this year! So how do you survive the holidays and not overspend?
American history is unfolding! A new administration with new plans to reform laws and policies that affect us. Are mortgage increases on the horizon?
One of the first steps to getting a home loan is to look at your credit score. There are 3 credit bureaus and none of them score the same.
The steps to getting pre-approved for a loan are easy. When meeting with your loan officer, you’re going to be asked about 3 things. Here’s what to expect.
When you think of budgeting, restrictions and TV dinners may come to mind, but there’s an easier way to save money and have fun. Meet the 50-20-30 Rule.
The upcoming holiday season means relying on Visa, MasterCard and AMEX for gifts. Using credit cards isn’t a big deal unless you plan on buying a home.
School are gearing up for all ages, including college. Learn how your student loans could keep you from one the largest investments you’ll make, a home.
In 2008 we watched the stock market, jobs and housing crash. Today our financial troubles are gone, or are they? Are we headed toward another meltdown?
Summer home shopping is in full swing! Before you jump in, know the ins and outs of advertised interest rates. What are they, and are you able to get it?
Coming soon! Get a pre-approval letter whenever you need it. Soon you can download our exclusive app, and get a pre-approval whenever including weekends!
Before you scream—run for the hills, you need to know that Adjustable Rate Mortgages are still “a thing” because given the right circumstances, they work.
You’re ready to buy a home—head to the bank for confusion. Credit, income, debt-to-income, down payments… Here’s a break down of the pre-approval process.
How can you know if we’re moving to a buyer’s market? Unsold homes, lower home values, other trends and timing you need to know – protect yourself.
What would you do with all that Powerball money? But, how much is left after the feds take their share? What can we do to increase our financial cookie jar?
December 2015 brought a rise in interest rates. For eight years we’ve enjoyed low interest rates and low mortgage rates. What should we expect in 2016?
Join us as we go back in time. Significant events that caused changes in the American mortgage history and real estate landscape. Influences, rates, results.
New TILA-RESPA Integrated Disclosure (TRID) requirements extend mortgage closing for some – 30 days is still possible with Codemark Financial. Here’s how.
Learn what you need to get Pre Approved including: credit score, down payment, debt-to-income ratio and how to qualify and get the lowest interest rates.
Planning to purchase real estate? The dreaded “M-word” is all but inevitable. Put your chin up and meet it head on. It’s not as terrible as it is hyped.
One of those specialized terms that you’ll likely encounter when you are closing on a real estate deal. Here’s the who, why and how on what escrow means.
Beware kickbacks, be careful if you’re vulnerable, avoid occupancy fraud, protect personal information – signature, don’t falsify, report If you suspect.
Pros and cons of cash versus financing when purchasing your next home. There are a lot of opinions and conflicting information on whether it is better.
You’ve seen them, those credit repair services being advertised on TV, radio, newspapers, and online. But what are these credit repair services, really?
Lenders use the credit report information to determine a person’s ability to pay bills. Here are some simple tips on how to improve your credit score.
Highlights: 40% of buyers put less than 10% down, have a budget and stick to it, know your credit score and credit history, and reach out to a professional
The paperwork mortgage lenders require when you apply for a loan might seem daunting. Here’s a checklist to help you out.
Buying a home will be one of the most expensive items you will ever pay for in your lifetime and, chances are, you won’t have the kind of cash needed.
A no-fee or no-cost loan is a transaction in which the lender pays the settlement costs and fees including processing, underwriting, appraisal, etc.
Buying a second home is a great investment whether you use it for vacations or as a source of income. When buying a second home, keep these things in mind.
Buying your first home can be one of the biggest financial decisions you make, so it’s best to be thoroughly prepared to prevent problems along the way.
First time buyers believe they need to have a “perfect” credit score and a 15% to 20% down payment. Lets look at a few loans and what it took to get them.
There are plenty of benefits to having a healthy credit score. Here are 3 tips so you can get on the road towards increased financial freedom. Click here.
This video helps you understand your mortgage options including the pros and cons of each. Contact us if you have any questions regarding your options.
This video explains the home buying process – valuable tips to help your planning. If you have any questions regarding what mortgage insurance contact us.
This video helps you make sense of mortgage insurance and why it’s needed. If you have any questions regarding what mortgage insurance contact us.