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…

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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…

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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…

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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…

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Saving in 2019

1. If you own a home Get a mortgage checkup. If your interest rate is higher than the market or you have mortgage insurance, you may be able to refinance into a better position which would save you money.  Refinances are closing in as fast as 15 days so in 15 days you could save…

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Affordable housing is a huge issue in our country. HUD considers anyone paying more then 30% of their income towards housing as cost burdened and may have difficulty affording basic life expenses such as food. In many parts of our country I would argue the average housing payment is 42% of the majority of buyer’s…

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Fannie Mae and Freddie Mac have increased conventional loan limits for 2019: Explained I am sure by now you have seen at least a few social media posts about loan limits going up. They basically say new loan limits for 2019. I am here to give you the full low down so next time you…

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