Can I Refinance Without Obtaining An Appraisal?

The answer is, maybe. There are many loan products available to applicants today to allow an applicant who is underwater on their home loan  to refinance without obtaining an appraisal in order to take advantage of todays historically low interest rates. Below are a few examples of such loan prog ...
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Getting Your Financial House in Order

The first question I am often asked is, “Who needs Estate Planning?” “Are there any guidelines?” The answer is really very simple. Everybody needs estate planning! It makes no difference how much or how little you have; if you fail to do your estate planning then you will cause unnecessary e ...
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Tricked into a Mortgage?

  Last night during the DNC President Obama said "we believe that when a family can no longer be tricked into signing a mortgage they can’t afford, that family is protected, but so is the value of other people’s homes, and so is the entire economy." My Response: Mr. President, I am the proud owner of a small Mortgage Brokerage in Acw ...
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What is PMI?

PMI stands for Private Mortgage Insurance. PMI is typically required on loans where the applicant does not have at least 20% equity in their homes and the amount of PMI that is required to be paid can very greatly from loan program to loan program. In its simplest terms, PMI is kind of like a Life Insurance Policy for the lender. PMI protects the l ...
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Seven Things Your Agent Should Know About Your Mortgage Approval

While many experienced real estate agents have a general understanding of the mortgage approval process, there are a few important details that frequently get overlooked which may cause a purchase to be delayed or denied. New regulation, updated disclosures, appraisal guidelines, mortgage rate pric ...
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Do I Need To Sell My Home Before I Can Qualify For A New Mortgage On Another Property?

Although every situation is unique, it is not uncommon for homebuyers to qualify for a mortgage on a new home while still living in their primary residence. Perhaps you are outgrowing your current house, or have been forced to relocate due to a job ...
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