What is the difference between Pre-Qualification VS Pre-Approval? A Pre-Qualification is used to lure you in A Pre-Approval happens after you have shown documentation (Tax returns, W2s) Cornerstone goes further with an approach called the Diamond Approval. The Diamond Approval is when a Loan Officer takes a full file has it ran through Underwriting and an Underwriter […]
Life Planning
Check The Real Estate Healthiness of Your Zip Code + Doug Answers a Listeners Budget Question
Doug & Tammie talk the top ten healthiest zip codes in our area, is one of them yours? Check out the other 80 to see how you rank. Plus, Doug answers a listeners question, how intense do I really have to be with my budget?
11 Great Reasons to Carry a Big, Long Mortgage
Doug explains what a big, long mortgage is and what the advantages of having one are on today’s show. 1. Your mortgage doesn’t affect your home’s value. 2. A mortgage won’t stop you from building equity in the house. 3. A mortgage is cheap money. 4. Your mortgage interest is tax-deductible. 5. Mortgage interest is […]
Doug Sheds Light on Home Prices Outpacing Wage Growth in 76% of U.S.
According to the RealtyTrac report, home price appreciation is outpacing wage growth in 76% of U.S. housing markets in the last two years. RealtyTrac showed that nationwide home price appreciation is outpacing wage growth by a 13:1 ratio in the same time period. What this would mean is that housing prices would become unaffordable again, […]
Preventing Home Foreclosure
Advice for 18-20 Somethings
Doug and Tammie’s son Derek joins today’s show to canvass what it’s like trying to figure it out at a young age. Part one: Part two:
You Might Be Ready to Move If… Top 10 Reasons
We get called on a weekly basis from people that want to move. We help by providing mortgages, and we help match you with the best Realtor. My contact info is listed below, reach out if you need help or advice. There are many reasons why someone wants to move. Some are for positive life […]
Financial & Marital Harmony
Listen in as Doug and Tammie Haldeman alongside Producer Tom Terbrock discuss the number one problem in marriages: money, and what you should be doing to avoid the issue. It’s this simple: Money can ruin your marriage. In fact, it’s the number one problem in marriages and the number one cause of divorce. People often underestimate […]
St. Louis Real Estate News
Two St Louis Areas were the most profitable zips in the U.S. for flipping property in 4th quarter Two zip codes in the city of St Louis made RealtyTrac’s list of “Zips with the highest gross returns (from flipping property)” for 4th quarter, 2014. The 63139 zip code, which includes the Dog Town area of […]
Home Scouting: Home Search Made Easy!
Home scouting is one of the best programs to use when searching for new properties. Some people might use Zillow or Trulia but the issue with these real estate search engines is that they are missing at least 30% of the listings that are out there. These websites don’t have direct access to the MLS […]
