When you make the decision to sell your home, it can be tricky to know which changes would make your home sell more quickly or boost the sale price — and which would just be a waste of your time and resources. Each home (and each homeowner) is different; that’s why we’ve come up with […]
Mortgage
Searching For Your Next Home Made Easy
Listen in today to the Doug Haldeman Show Sundays at 4PM. Doug and Tammie explain the Home Search Engine that is free to use and easy to sign up for! Start narrowing down your search for your next home by signing up today for the Home Scouting Search Engine! You can always text Doug at […]
How To Reduce Your Closing Costs On Your Mortgage
When you take out a mortgage, whether it’s for a purchase or a refinance, you must pay closing costs, which can vary considerably. There are fees that must be paid to the lender, along with optional ones, such as mortgage discount points, and fees that must be paid to third parties, such as title/escrow and […]
Building In Today’s Market: Listen This Sunday At 4PM
FHA Back To Work Program: Have You Had An Extenuating Circumstance Or Economic Event?
Over the past several years we’ve heard about lending guidelines getting tougher and tougher for people to qualify. Is that still true or do you see guidelines loosening up at all? FHA has expanded the definition of Extenuating Circumstances to include Economic Event, which shortens the seasoning periods on foreclosure, short sale, and bankruptcy to […]
Shopping Around: Do you know the right questions to ask when shopping for a mortgage?
When most people shop for a mortgage the only questions they know to ask are, what is your rate and what are your fees? The best rate in the wrong loan program may cost you thousands of extra dollars over time. First: Are you working with a True Mortgage Professional? Second: Do you know the […]
Top 10 Tips For A Thrifty Christmas
Doug and Tammie Haldeman share the “Top 10 Tips For A Thrifty Christmas”. They share some of their family traditions and ways you can really save money this season and not be in debt next year. Follow the link: Top 10 Tips For A Thrifty Christmas If you find yourself overspending this season give Doug a […]
Agency Underwriting Guidelines Versus Investor Overlays
What is an underwriting overlay? • Fannie Mae, Freddie Mac, FHA, and VA have underwriting guidelines that all lenders must follow if the loan is going to be sold to, insured by, or guaranteed by them • Lenders are allowed to add their own, more restrictive underwriting guidelines on top of these guidelines • The […]
Who is Fannie Mae, Ginnie Mae & Freddie Mac?
A long time ago, in a country far, far away… wait…the country was the good old U.S. of A. and we were in the Great Depression. The government stepped in a variety of ways. They felt that the country needed a little help lifting itself out of this Depression as part of Franklin Delano Roosevelt’s New Deal , […]
Government Shutdown How Is It Effecting The Home Buying Process?
The Doug Haldeman show holds a round table discussion about the government shutdown. They discuss the country’s situation, the media spin on things and how it is effecting consumer confidence. Doug discusses how it is effecting the home buying process and clears up some of the questions individuals may have if they are in the middle […]
