Blog
S.O.S. SAVE OUR SALE
S.O.S. SAVE OUR SALE: WHAT TO DO WHEN YOUR LENDER STALLS WEEKS BEFORE CLOSING! Did your mortgage lender suddenly go radio silent, request the same bank statement for the fourth time, or drop a last-minute loan denial right before your scheduled closing date? Yesterday, a panicked real estate agent called my office from Portage. Their... Read More
HOW TO BOOST YOUR MORTGAGE CREDIT SCORE IN 3 TO 5 DAYS
HOW TO BOOST YOUR MORTGAGE CREDIT SCORE IN 3 TO 5 DAYS: THE KALAMAZOO RAPID RESCORE SECRET! Did you pull your free credit score on a mobile app, see a solid 680, and then watch a mortgage lender pull a 635 that bumps your interest rate or private mortgage insurance (PMI)? Yesterday, a frustrated home... Read More
BUY YOUR NEXT HOME BEFORE SELLING YOUR CURRENT ONE
HOW TO BUY YOUR NEXT HOME BEFORE SELLING YOUR CURRENT ONE IN KALAMAZOO! Are you a move-up homeowner in Kalamazoo, Portage, or Texas Township feeling completely trapped by the dreaded "home sale contingency"? Yesterday, a homeowner visited my office after falling in love with a gorgeous four-bedroom walkout near Texas Corners. They built up over... Read More
FHA WELL AND SEPTIC DISTANCE WAIVER
HOW THE NEW FHA WELL AND SEPTIC DISTANCE WAIVER SAVES YOUR KALAMAZOO HOME PURCHASE! Are you shopping for a home with a private well and septic tank in Texas Township, Schoolcraft, Oshtemo, or Alamo Township? Yesterday, a panicked real estate agent called my office from Portage. Their buyer was under contract on a great ranch... Read More
WHY A LOCAL MORTGAGE LENDER WINS
WHY A LOCAL MORTGAGE LENDER WINS YOUR KALAMAZOO OFFER (WHEN BIG BANKS FAIL!) Did you just start searching for homes in Kalamazoo, Portage, or Texas Township and wonder if grabbing a pre-approval from a big national online lender makes any difference? Yesterday, a buyer visited my office after a seller rejected their full-price offer on... Read More
HOW TO BUY A HOME WITH ZERO DOWN
HOW TO BUY A HOME WITH ZERO DOWN IN KALAMAZOO COUNTY: THE USDA RURAL DEVELOPMENT SECRET! Do you want to buy a home in Southwest Michigan but feel stuck because you do not have $15,000 or $20,000 sitting in a savings account for a down payment? Yesterday, a buyer visited my office after touring a... Read More
Decoding the Self-Employed Borrower: Bank Statement Loans & Beyond – October Lunch and Learn
Are Tax Write-Offs Costing You Commission Checks? Time For A Self-Employed Mortgage How many times has a solid client walked into your open house, shown proof of a thriving business, and then vanished because their bank said no? It happens every single week across Kalamazoo and Portage. Here is the truth: high-earning business owners, independent... Read More
The Real Property Numbers: Accounting For Property Taxes
THE REAL NUMBERS: KALAMAZOO VS. PORTAGE VS. TEXAS TOWNSHIP PROPERTY TAXES! Are you comparing homes across Kalamazoo County and wondering why two houses with the exact same price tag carry wildly different monthly payments? Yesterday, a move-up buyer walked into my office after spending the weekend looking at three different $300,000 homes. One home was... Read More
Weekend Coverage 11- 3:00: Get Pre-Approved
KNOW YOUR NUMBERS: OUR 11 TO 3 WEEKEND COVERAGE GETS YOU PRE-APPROVED (AND RUNS PRECISE PAYMENTS ON THE FLY!) Did you just find your dream home while touring open houses in Kalamazoo, Portage, or Texas Township on a Sunday afternoon? Picture this: it is 1:30 PM on a Sunday. You step inside a beautiful ranch... Read More
HOW TO QUALIFY FOR A MORTGAGE WHEN YOU ARE SELF-EMPLOYED
HOW TO QUALIFY FOR A MORTGAGE IN KALAMAZOO WHEN YOU ARE SELF-EMPLOYED (WITHOUT TAX RETURN HEADACHES!) Do you run your own business, work as a 1099 contractor, or own rental properties in Kalamazoo, Portage, or Texas Township? Yesterday, a successful small business owner walked into my office after touring a gorgeous two-story home near Texas... Read More
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S.O.S. SAVE OUR SALE
S.O.S. SAVE OUR SALE: WHAT TO DO WHEN YOUR LENDER STALLS WEEKS BEFORE CLOSING!
Did your mortgage lender suddenly go radio silent, request the same bank statement for the fourth time, or drop a last-minute loan denial right before your scheduled closing date?
Yesterday, a panicked real estate agent called my office from Portage. Their buyer had been under contract for three weeks on a home near Milwood. The closing date sat just nine days away.
Out of nowhere, the buyer’s out-of-state call-center lender issued a denial letter. The call-center underwriter miscalculated self-employment write-offs, panicked over an unpermitted porch repair on the appraisal, and threw the entire transaction into the trash can.
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