When Purchasing or Refinancing, Who chooses the Title company…and should you care?

January 7, 2010

humorously explained how most people end up choosing a title company when they purchase a home or refinance. In the end the answer is, they rarely do…choose that is.

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Multiple Mortgage Inquiries do not lower your credit score*

December 28, 2009

Having your credit pulled multiple times to shop for a mortgage will not harm your credit scores thanks to laws intended to help you shop for a great rate and lower fee’s.

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Credit help…not just for people with bad credit anymore

December 22, 2009

Don’t make the mistake of assuming that because you don’t have ‘bad credit’ that you would not benefit from some cleaning up of your credit profile

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Utah Loan Modifications: What qualifies as a hardship?

November 12, 2009

Here is a list of what banks will consider a hardship for consideration of a loan modification:

Divorce
Death, loss of a spouse or child (due to the expenses)
Major Medical expense
Loss of employment or Loss of Income

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Shooting the Hostage: Why Loan Modifications don’t get approved

November 3, 2009

It seems reasonably logical that a bank would work with a homeowner facing foreclosure right? So why don’t more loan modifications get approved?

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Before Buying a House, Consider What Makes You Happy

October 15, 2009

Before buying a house in Utah, think about the way you live and what you really value. To often the real estate industry pushes us to buy as much house as we can possibly afford…but should you?

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Utah Mortgage Team: What is an FHA Streamline Refinance?

October 15, 2009

One of the most common questions I get when they call to ask about streamlining their FHA loan, is “What’s a streamline?”.

This is great question, and the answer I tell my clients is: “When you hear Streamline think Easier, Faster, Cheaper”.

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Credit Repair…real or fairy tale?

October 4, 2009

The FTC and the Ad council tell people credit repair is a myth like bigfoot, but is it?

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Why Am I Unable To Obtain A Mortgage?

September 27, 2009

Many people are starting to ask why they are unable to obtain a mortgage; it is not just those who have an adverse credit history who are being affected. What are the reasons behind the financial institutions relutance to lend money? Now I am not a mortgage adviser I actually help people to increase confidence [...]

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8000 New Home Buyer Tax Credit Expires December 1, 2009

August 11, 2009

Remember: the 8000 tax credit doesn’t last forever – and unless Congress decides to extend it, the current 8000 tax credit for new home buyers will end on December 1, 2009. This means if you have thought about buying a home but have been on the fence, it is time to get off and get [...]

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