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VA Loan

VA Loans and Termite Inspections Report with Countries

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 ...
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3 SIgns You Are NOT Ready To Buy a Home

3 Big Signs You Are Not Ready To Buy A House

3 Big Signs You Are Not Ready To Buy A House Let me start by saying that if you are not ready right now it ...
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How to Rate Shop Lenders

[Complete Guide] How to Rate Shop Lenders?

[Complete Guide] How to Rate Shop Lenders? First things first.  You are not going to put your name and contact information on any sites that ...
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2nd Job Income for Loan Qualifying [Key Takeaways]

2nd Job Income for Loan Qualifying Often when people are looking at buying a home, they will get a 2nd job or an additional source ...
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Va Loan and Credit Scores

VA Loans and Your Credit Scores Impact on Rates

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 ...
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FHA Tightens Their Belt on Landlords and Self Employed

FHA Tightens Their Belt on Landlords and Self Employed

FHA Tightens Their Belt on Landlords and Self Employed For months I have been waiting.  We knew it was going to come.  It was impossible ...
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Self Employed Mortgage

Self Employed Borrowers 2020 Additional Requirements

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 ...
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the-basics-of-hard-money-lending

The Basics Of Money To Finance a Great Life!

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

COVID 19, Foreclosures and the Impact to Housing

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 ...
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Va Loans

How Long Does It Take To Get Pre Approved For A VA Loan?

How Long Does It Take To Get Pre Approved For A VA Loan?   Many people assume the VA mortgage process is long and arduous.  ...
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Down Payment

How To Save Money To Pay Your Down Payment For Your Property

If you are looking at mortgage loans you need to shop your rate.  I know you have heard that a million times before but I ...
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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 ...
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Sonoma County

First Time Home Buyers Program in the County of Sonoma

The first and most important thing you need to know about this program is that it is for Sonoma County employees in a SEIU local ...
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First Time Homeowners

The city of Visalia, California offers a first-time home buyers’ program to purchase homes

The city of Visalia, California offers a first-time home buyers’ program to purchase homes in the City of Visalia. The purpose of the program is to ...
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Saving in 2019

Ten Ways To Save Money in the New Year

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 ...
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Affordable Housing

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 ...
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2019 Loan Limits Going Up

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 ...
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The Culture Of Always Being “on”.

The Culture Of Always Being “on”

In the past ten years technology has radically changed the way we do business.  We have the ability to do so many things faster and ...
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Timeline of a Purchase Loan

Timeline of a Purchase Loan: Controlling the Process

As a Realtor you have a lot on your plate and the last thing you want to do is worry about the lender. Unfortunately, if ...
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How Much Mortgage Can I Afford?

You will need a basic calculator for this.  The one on your phone is totally fine. In a perfect world you would talk to a ...
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Mortgage Points Explained and When it Makes Sense to Buy the Rate Down

Often when I talk to people they start the conversation with “I do not want to pay points.” This is a red flag to me ...
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How AI Loan Origination Could Lead To Our Next Financial Crisis

  A disclaimer: First off let’s get the obvious out of the way.  I am a human loan originator.  AI loan origination will threaten many ...
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The “Boogeyman” in your Bank Account

A good portion of my day is spent talking to people about how to save for a down payment. The basics of saving go into ...
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What is a short sale?

During 2008-2011 it felt like every single house was either a short sale or a foreclosure.  Once again banks are now providing mortgages with very ...
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The Fed Raised Rates, Now What…

Yesterday, June 13, 2018, the Fed raised rates by .25% and said there was a strong possibility of two more rate hikes this year.  In ...
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Why You Need To Shop Your Mortgage Rate Now More Than Ever

If you are looking at mortgage loans you need to shop your rate.  I know you have heard that a million times before but I ...
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How long should it take to close a home loan?

I’ve been thinking a lot about the mortgage process.  I’m fortunate to work for a company where our CEO is constantly thinking about the same ...
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Tales from the marketing dark side. Why you need your Facebook friend list to be private.

Did you know you can make your Facebook friend list private? If you have not you should NOW. It was recently brought to my attention ...
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How $1500 saved me 2 million dollars

I recently fell in love with the concept of buying a beach house. A place right on the coastline with endless ocean views and the ...
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Why and How to Freeze your credit

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 ...
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2 Creative ways to use a 2nd loan when purchasing a home

A second loan is commonly thought of as just a way to avoid mortgage insurance. The world famous 80-10-10. And yes they are fantastic for ...
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The #1 way to know you can afford your proposed mortgage payment

Lets start with a truth bomb. The max mortgage I can qualify you for will make you "house poor". Yes, the way loan guidelines are ...
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