Archive for the ‘mortgage lender’ Category
Can my mortgage lender come after me if I short sale my house?
I am thinking about short selling my home. Can my mortgage lender come after me if I short sale my house? Can I have AZ state statues and laws as proof?
By definition the lender must agree to the short sale or it will not take place – you cannot just short sale yourself and hope the lender doesn’t mind. Usually the terms of the short sale include resolution of the issue of recourse – the ability of the bank to seek any loan losses from you personally. It depends upon state law. You need to consult a real estate attorney in your area. In addition you need to know if the bank will issue an 1099 which will leave you showing the loan loss as income and hence own income taxes on that income. (remember if you owe say 100K that you don’t have to pay back that is income to you)
Quicken Loans Relocation Dana Staniec Mortgage Banker
Quicken Loans clients Kyle from Virginia, discusses in this video testimonial how Quicken Loans helped him with his relocation. With the help of Dana Staniec his mortgage banker as well as Rose Qaza his Client Care Specialist, Kyle was able to easily go through his loan process. Kyle was able to lock in a great rate at a good time on his mortgage. Kyle loves his new home and recommends Quicken Loans to anyone looking to receive a mortgage or refinance.
Duration : 0:3:7
Everyone has an attitude. What’s yours? Video blog PC Home Loans Tacoma & Puyallup Mortgage Lender
http://PCHomeLoans.us – Everyone has an attitude. What kind is yours? Best-selling author Jeffrey Gitomer shares his insights on ways each of us can maintain a positive attitude no matter what. (http://www.gitomer.com)
Every business winner has one thing in common: a YES! Attitude that’s powerful enough to help them achieve the impossible! When you’ve got a YES! Attitude, you assume everything will start with “YES!” …and you’ll find a way to “YES!” even when the first, second, and third answer you hear is “NO!” You say you weren’t born with a YES! Attitude? No problem! Jeffrey Gitomer will give you all the tools you need to build one.
Enjoy this video clip posted at Tacoma and Puyallup mortgage lender PC Home Loans at http://samtuttle.wordpress.com/2010/03/08/everyone-has-an-attitude-what-kind-is-yours-having-a-yes-attitude/
3.5 Ideas to improve your attitude by Jeffrey Gitomer
1. First thing you need to do is QUIT WHINING!
Wherever you are in life, is based upon the decisions that you’ve made, the books that you’ve read, the people who have influenced you, and your work ethic. Stop blaming others and circumstances for where you are today. The opposite of blame? Responsibility…blaming is negative, accepting responsibiliity is not only positive, but it empowers you to do things and to change your path from this point forward.
2 – Second thing you can do is work on your attitude skills everyday
Take 30-60 minutes everyday and start reading and/or listening to CD’s with information that will help you improve yourself. Four books that can form a foundation for your attitude are:
Think and Grow Rich by Napolean Hill, How to win friends and influence people and How to stop worrying and start living by Dale Carnegie and Norman Vincent Peale’s classic THe Power of Positive THinking.
All of these books provides the platform for you to developing an understanding of developing an attitude for yourself. No time? Ignore the news and read 2-5 pages per day, just start and it’s much easier over time.
See the rest at http://samtuttle.wordpress.com/2010/03/08/everyone-has-an-attitude-what-kind-is-yours-having-a-yes-attitude/
Duration : 0:7:8
Where can I find a Reverse Mortgage lender in Texas?
I have a home in San Antonio, TX on which I have quiet a bit of equity. I would like to get a HECM Reverse Mortgage and need a lender that specializes in Reverse Mortgages in Texas.
Hi, you can go to www.texasreverse.net and visit that website to find a Reverse Mortgage lender in San Antonio or Texas.
How do I find a mortgage lender that does US/Canada loans?
My husband is Canadian, I am a US citizen and we live in the US. We want to buy a home in Canada and are looking for a mortgage lender that will do a US/Canada mortgage. Any help would be appreciated.
Go to www.daveramsey.com and look for one of his endorsed local providers. Check ‘em out and see what sort of deals you can get…
Make it a great day from Mortgage Lender PC Home Loans Puyallup WA – featuring Jeffrey Gitomer
http://bit.ly/bYxXqu – Make It a Great Day
According to Jeffrey Gitomer, “You wake up in the morning and decide at that moment what kind of day you’re going to have.” Watch Jeffrey’s message about the importance of setting the proper tone to your day. It’s a simple yet profound idea that will have a positive effect on both your workplace and your home. (courtesy of http://www.gitomer.com)
We always try our best to make it a great day here at PC Home Loans and today is no exception. It’s Monday, March 1st, 2010 and the sun has been shining a bit more lately, so it’s definitely getting everyone in the mood for spring. And we’d like to remind everyone, that this also helps motivate people looking to buy a home, so help spread the word and let everyone know that the tax credit is still available, but the days are running out.
If you’re looking to buy, don’t hesitate to contact us today to get your pre-approval and have a complete credit/mortgage profile performed by one of our Senior Mortgage Loan Officers today!
http://pchomeloans.us
Duration : 0:2:49
Produce the Note : Sue Your Lender
Sue Your Lenders: Produce the Note strategies involve the mortgage lender proving their ownership in your property or clearing the title by deed to the property in exchange for complete debt satisfaction. The Sue Your Lender Mortgage Audit process provides consumers with a solid foundation of information that discovers many of the errors and legal violations in their loans.
For more info www.sueyourlender.net or 1.866.966.6615
Duration : 0:4:16
When you buy your house does the mortgage lender pay the previous owner in full?
Like let’s say you bought a house from someone named James for $200K. Does the mortgage lender you use pay James $200K in full?
Close, but not exactly.
What happens is this: You get a loan for $200,000 to buy James’ home. Let’s say James still owes $125,000 on the property. The $200,000 goes from you to the settlement or title company. The settlement company has gotten the "payoff figure" from James’ mortgage holder. That’s $125,000.
Your $200,000 goes in. The settlement company sends $125,000 off to James’ mortgage company to pay the old mortgage off. And the other $75,000 goes to James.
Of course there are a lot more expenses. If there’s a Realtor (or Realtors) involved, some of that money goes to the Realtors. Usually, you’ll prepay taxes and insurance. And so on. You’ll probably also buy title insurance. Then there are probably points on the mortgage that you’ll pay. On the other hand, you may have asked James for a "seller subsidy" to help with closing costs. So some of the money that would have gone from your lender to James comes back to you.
So, really, you’ll end up paying more than $200,000. And James will receive less than $125,000.
Before closing, James will receive a "net sheet" from his Realtor, giving a pretty close estimate of how much he’ll really receive. And about 48 hours before closing, your Realtor and James’ (and you and James, if you want) should receive a draft copy of the HUD-1.
The HUD-1 is the form that settlement companies use to calculate all that.
Hope that makes some sense.
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Duration : 0:10:40
Can I negotiate with my mortgage lender for lower interest rate?
Right now I have a fixed-rate mortgage at 6.25% but the job situation is bad and both my wife and I cannot afford to pay the mortgage and our debt. Is it possible to negotiate with our current lender to lower the interest rate to what the government has out now? (lower than 5% I think). How does that process work? I don’t want to refinance, I just want to negotiate for lower interest rate.
I think a loan modification would be your best bet in this situation. Refinancing would cost a lot in the end with the closing cost and commissions to the loan officer. I’ve done a couple loan modifications and the people are usually in a much better situation afterward but there are never any guarantees. I suggest you go to someone experienced in loan modifications and goes through an attorney because they’ll be a lot more qualified to negotiate with the lender. As long as you have a decent cash flow going and your showing a real effort to try to stay in your home. One last thing is that loan modifications are only available for people in hardship meaning you have to be behind at least one payment. But for sure consult a professional before you take any action.