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Archive for the ‘Video Mortgage Moments’ Category

Getting a mortgage loan is easy now!?

Getting a mortgage loan is “easy” now?

Yes…that’s exactly what people are saying!

 

In Fannie Mae’s Home Buyer Survey from February 2015, 54% of respondents surveyed said that it is easy to get a mortgage. Compared to one year ago when that same number was 45%, it would seem that people think things are improving. So…is it really “easier” to get approved for a mortgage now? In this edition of Mortgage Moments, Eric talks with you about this shift in thinking that is happening in America: How “Easy” it is to get approved for a mortgage loan.




Stop Paying Your Landlord’s Mortgage

Stop Paying Your Landlord’s Mortgage

Tax Benefits of Owning Your Home

 

Renting a home or apartment is where we all start out at, but the sooner you can own your own home and stop paying your landlord’s mortgage, the better off you will be! In this edition of Mortgage Moments, Eric talks with you about the tax benefits of owning your home.

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DISCLAIMER: I am not a CPA or tax professional, and the content in this message should not be construed as legal or tax advice. I’m a Mortgage Consultant who wants to share the tax benefits of homeownership. For more information about this topic and how owning a home will affect your tax return filings, please consult with a CPA or tax professional.



FHA’s “Hidden Interest”

Paying Off an FHA Mortgage

“Hidden Interest” You Need to Know About

 

Mortgage loans are definitely NOT created equally. In this edition of Mortgage Moments, Eric talks with you about the “hidden interest” in FHA mortgages, and timing strategies you can employ to ensure you do not overpay on your FHA loan.

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BAD Mortgage Behavior

Bad Mortgage Behavior

What to NOT do during the mortgage loan process

 

There are so many things that people do during the mortgage loan process that can jeopardize their underwriting approval. Most of the time, people make these mistakes without knowing that they could they could be hurting their chances of getting approved. In this edition of Mortgage Moments, Eric discusses some of the most common mistakes and examples of “bad behavior” during the mortgage loan process.

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Child Identity Theft Protection

Child Identity Theft Protection

What You Don’t Know May Already Be Hurting Your Children!

 

Current estimates indicate 8.2 million people have had their identity stolen at a cost of over $50 billion annually. Shockingly, the Federal Bureau of Investigation revealed that over 12 percent of all child identity contamination and child identity theft victims are now under the age of five.

Since children are now required to have a Social Security Number, digital thieves and hackers are inventing ways to find the numbers, steal them and sell them to others so they can rack up debt on credit cards and loans they will never repay. But it’s not just faceless hackers parents need to be on the lookout for; over 6 percent of all child identity theft was perpetrated by a relative or family friend–and that number is on the rise.

Since children may not discover an issue on their own until well into adulthood, the FBI is urging parents to check their children’s credit report once a year, keep track of documents containing this information, and make sure children know not to give such information to anyone. People can obtain one free credit report from each of the three credit bureaus for themselves and their children. Visit the Federal Trade Commission’s Consumer Information site to find out how, and be sure to share this important information with your clients. (D-24)

For more information on Child Identity Theft, visit the FTC’s page on Child Identity Theft at http://www.consumer.ftc.gov/articles/0040-child-identity-theft.

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What Causes Rate To Change

What causes mortgage rates to change?

 

 

There is a huge disconnect between what people think causes mortgage rates to change and what actually affects our rates. You may be very surprised at the real cause of mortgage rate movement. In this edition of Mortgage Moments, Eric explains what is at the heart of rate Nj gambling online bill rewrite offers great news for &#8216bad stars&#8217 The A2578 gambling online bill passed Monday with a Nj Set up committee consists of language that could allow PokerStars, Full Tilt Poker along with other firms that offered US clients publish-UIGEA to sign up inside a controlled Garden Condition gambling market, possibly as service companies for that state’s brick-and-mortar online casino licensees. changes in the mortgages you are offered.

For more information on this topic, please see our past BLOG post.

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Don’t UN-APPROVE Your Mortgage!

Make sure you don’t make a mistake
and UN-APPROVE your mortgage loan!

 

 

Mortgage underwriting has changed so much since the housing crash of 2007. You must be careful to not accidentally “un-approve” your mortgage. In this edition of Mortgage Moments, Eric goes over three mistakes you can make that can cause your mortgage loan to be declined.

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Saving Money on Property Taxes

How to save money on property taxes
you otherwise would be paying.

 

 

As the sluggish economy drags on, county boards everywhere are looking for ways to replace lost income. Re-assessments of residential real estate taxes is just one of those ways. Sometimes it’s fair, other times it just helps the county to avoid belt-tightening. In this edition of Mortgage Moments, Eric goes over some simple strategies you can use to prepare to meet your assessor for a review to lower your taxes.

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HARP Refinances

HARP Refinances

How to refinance your mortgage if you owe
more than the value of your home.

 

 

Do you owe more on your mortgage than what your home is currently worth? With HARP (Home Affordable Refinance Program), you may still be able to refinance…even if you owe more than the value of the home. Find out how to tell if you are eligible for this great program in this edition of Mortgage Moments with Eric Leigh.

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Credit Trigger Leads

Credit Bureau Trigger Leads

Protect yourself and your demographic information.

Opt out NOW by visiting OptOutPrescreen.com

 

 

The credit bureaus actively sell casinotives.info your personal demographic information to other potential creditors who want your business. Invasion of your privacy? Possibly. Illegal? Not at all. Learn how to protect yourself and your information in this edition of Mortgage Moments.

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