VA Loans and Termite Inspections Report with Countries

VA Loan

VA Loans and Termite Inspections www.zerostressmortgage.com NMLS #247743 Jennifer Beeston Who Pays For The Pest Report? The 9 states where VA buyers can pay for a termite inspection are: Alabama Arkansas Arizona California Florida Louisiana Mississippi Oklahoma Texas In all other states the buyer is not allowed to pay for termite inspection.  The lender will…

Read More

VA Loans and Your Credit Scores Impact on Rates

Va Loan and Credit Scores

VA Loans and Your Credit Scores Impact on Rates VA loans are different from conventional loans in many ways.  One of those ways is the impact to the rate based on your credit score.  If you are doing a conventional loan your credit score is very important as it is one if the factors lenders…

Read More

Self Employed Borrowers 2020 Additional Requirements

Self Employed Mortgage

Self Employed Borrowers 2020 Additional Requirements Buying a home or refinancing a mortgage in 2020 has additional requirements for self-employed borrowers you need to be aware of if you are self-employed and looking for a mortgage.   Covid has changed the way we live, and lenders are keenly aware of this. Businesses that were doing great…

Read More

The Basics Of Money To Finance a Great Life!

the-basics-of-hard-money-lending

The Basics Of Money to Finance a Great Life! Money is mysterious. It should not be but it is. We live in a country where our education system does not cover the basics of money. We cover 17th-century history but not how to balance a checkbook or use a budget. We have people coming out…

Read More

How To Freeze Credit in 2020

How To Freeze Credit in 2020 Identity theft is happening everywhere. Everything is hackable and literally nothing is safe. The IRS has been hacked for goodness sake so you really have to go above and beyond to keep your credit safe. In order to protect yourself, I recommend freezing your credit. Freezing your credit makes…

Read More

COVID 19, Foreclosures and the Impact to Housing

How To Finance A Foreclosure In 2020 - The Real Estate Foreclosure

Dear Foreclosure Hunters, With unemployment hitting levels worse than the great depression people are wondering when we will see the fall out in the housing market.  When will we see all the foreclosures which seem inevitable? Over 20 million job losses in April alone.  COVID 19, Foreclosures and the Impact to Housing The country, as…

Read More

The 3 Big things you need to know about FHA

FHA (US Federal Housing Administration) has mortgage insurance no matter how much you put down. A lot of people assume that, since with a conventional loan if you put down twenty percent you don’t have mortgage insurance, so with FHA it must be the same. Wrong! FHA requires monthly mortgage insurance regardless of how much…

Read More