Buyer Basics

Hacks to raising your credit score 200 points

Hacks to raising your credit score 200 points

You’re here because you want to improve your credit score.  Chances are you want to improve it because you’re trying to qualify to buy a house or a car or something that actually requires credit. You are in luck because in this video I’m going to show you not...

What is a private mortgage lender?

What is a private mortgage lender?

Today we’re going to discuss what exactly a private mortgage lender is. This might be a term you’ve heard floating around or someone may have even suggested it to you as a viable option to buy a house. There are some great things about private lenders that you might...

Tips for first time home buyers

Tips for first time home buyers

In this video we’re going to go over some tips for first time buyers looking to get into their very first home. Additionally, we’re going to be going over a super useful home buying checklist that you can use to keep track of what happens in the entire buying process...

Why you should NOT pay your mortgage off early

Why you should NOT pay your mortgage off early

There are a ton of videos here on youtube about how to pay your mortgage off early or quickly. The big question I pose to all of these videos that we’re going over today is does it actually make financial sense to pay your mortgage off early? Sure, the idea of not...

Getting Your Credit Checked Too Many Times

Getting Your Credit Checked Too Many Times

How many times can you get your credit checked when you’re applying for a home loan before it starts to tank your credit score? Tons of people we talk to at my company are terrified of their score dropping especially when they start talking to multiple lenders who all...

How to read a loan estimate

How to read a loan estimate

Today I’m going to be going over what a loan estimate looks like and more importantly how to read it to know if your lender or broker is trying to sneak in those pesky hidden fees which is code for screwing you over. Loan estimates If you’re here you are probably...

House Hacking with a Conventional Loan

House Hacking with a Conventional Loan

Today we’re going to be discussing how house hacking works on a conventional loan or even an FHA loan. What you need to know about the numbers and how to calculate if hacking makes sense before you make an offer on a property. House Hacking House hacking - for those...

Lies told to First-time Buyers

Lies told to First-time Buyers

Today, we'll go over what unique loan programs are available for first-time homebuyers. Many lenders lie to you about various loan programs that are not first-time programs in the true sense. They're only saying anything to get you through the door.  First Time...

House or Car? Which Should you buy first?

House or Car? Which Should you buy first?

Today, we'll go over one of the questions a borrower asked me: "Should I buy a house first or a car first?" Some of you may think of it as a ridiculous question, while others might be asking the same thing. If you're one of those people or curious as to why someone...

What are Discount Points?

What are Discount Points?

Today, we'll go over discount points. We'll examine what exactly are discount points on a mortgage loan. I'll show you how to calculate them and if you should pay them or if they make financial sense in your specific scenario.  Discount Points  What are...

Which Lender Should You Trust?

Which Lender Should You Trust?

Today, we'll go over which mortgage lenders you can trust. Many people aren't sure which lender or broker to trust when they're buying a house or even refinancing their home. In a simple manner, I will explain what you need to do, what questions to ask, and what...

The Mortgage Process from Start to Finish

The Mortgage Process from Start to Finish

Today, I'll go over the entire mortgage process from start to finish. If you've never had a home loan or never purchased a home, you should go through this to know what to expect from the first time you reach out to a mortgage lender to the very last day when you sign...

Getting a conventional loan for a rental property

Getting a conventional loan for a rental property

Can you get a conventional loan on a rental property? Most people think of conventional loans as those classic loans you get on your own home but conventional loans can, in fact, be used on rental properties. However, there are specific rules and regulations on how to...

Why Your Mortgage Escrow Account Keeps Growing

Why Your Mortgage Escrow Account Keeps Growing

Today we’re going to go over why your mortgage escrow keeps growing. Now your mortgage escrow can grow in one of two ways - the number of your escrow balance on your statement grows every month, and then your monthly amount collected can grow every year…we’ll go over...

How Much House Can You Afford?

How Much House Can You Afford?

If you are a first-time homebuyer, the biggest question on your mind is probably how much you can afford. You have questions like, what is a bank willing to give me on a home loan? Is it going to be a million dollars? Is it going to be $20,000, and I'm stuck living in...

What is Lender Credit?

What is Lender Credit?

Have you heard of the term 'lender credit' before? Perhaps you saw it online, and it's a little confusing as to why it exists. Are you curious about why some lenders offer it and some do not? Or why do some lenders offer it higher at a certain rate while others do not...

Is an FHA loan only for first-time homebuyers?

Is an FHA loan only for first-time homebuyers?

This is a common question on the minds of new clients or people who have bought a house in the past. They hear about the FHA on the radio or from a friend and want to know if they can use it to buy another home since they were unaware of it when making their first...

How to Save The Down Payment for Your First Home

How to Save The Down Payment for Your First Home

Let's talk about how to save for your down payment on a first home. The first house you own, whether it's your own or a rental property, is the toughest to get through. Let's talk about what you need to know about down payments and the closing costs.  Saving is...

Can you use Cryptocurrency when getting a home loan?

Can you use Cryptocurrency when getting a home loan?

Today, we’re going to be talking about whether or not you can use cryptocurrency for your down payment or closing costs when qualifying for a conventional mortgage loan…the answer may surprise you - I know I was shocked when I heard it myself. What exactly is the...

Lies Mortgage Lenders tell Clients

Lies Mortgage Lenders tell Clients

Mortgage officers often lie. Yes, there are a lot of them out there that are not that honest. Today, we'll be going over four common lies that I've heard from clients who come to me from other loan officers. We'll also go over what you need to watch out for and how to...

Appraisal Waivers

Appraisal Waivers

Are you about to buy or refinance your house or investment property, and you do not want to pay or go through the trouble of an appraisal? There is such a thing as an appraisal waiver; it's also called a PIW (Property Inspection Waiver). How do you get one?  We...

FHA vs Conventional Loans

FHA vs Conventional Loans

Let’s go over the differences between FHA and conventional loans to determine which one is right for you. Whether you’re buying your first home or second home, or perhaps, you’re doing a refinancing and are trying to figure out what kind of loan fits your needs best,...