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City of Kalamazoo Housing Code Changes

To All The Landlords & Want to be Landlords Out There! Owning rental property in the City of Kalamazoo can be tough.  Trust me I know first hand everything you have to go thru.  Not only do you have all the rigors of being a landlord like tenant screening, repairs, & yes the occasional eviction. ... Read More

Thinking of Selling?

Thinking of Selling? Hire a Realtor! So we do a handful of loans every year that are FSBO (for sale by owner).  I always help the buyers and sellers out with the paperwork & thru the whole process.  I always shake my head and wonder why don't these people just hire a Realtor.  They think they... Read More

Rural Development Turn Times

When it comes to getting a mortgage timing is everything.  "When are we going to close?" is the question we get asked more often than anything else.  The Real Estate Agents, buyers, and sellers all need to know when closing is going to occur.  One of the biggest challenges with Rural Development financing is closing... Read More

Completed Repairs

2014 Dollar Amount Of Repairs Completed:  $179,425.10 It seems that now days appraiser required repairs are almost the norm.  Looking back at the loans my team closed in 2014 over 33% had one repair or another required by the appraiser that couldn't be completed prior to closing.  There is a misnomer out there that conventional... Read More

Homepath Financing Elimination

Fannie Mae has announced the discountinuance of special financing options for properties listed for sale at www.homepath.com.  More specifically the homepath financing and homepath renovation financing products for both home buyers and investors.  In order to take advantage of these programs with the current enhancements there must be a fully executed purchase contract dated on or... Read More

Title Problems With Tax Auction Properties

When it comes to tax foreclosures real estate investor can find some great buys.  However often investors go in blind and don't find out about a major pitfall with tax sales until they go to resell the home.  In a previous post we did about the tax auction we explain the basic process of how to acquire... Read More

Interview with MichiganHomes.com – Mortgage Options

Jeremy recently did a short interview with MichiganHomes.com who was looking for some expert advice on borrowers mortgage options. Read the full interview here Some of the questions he answered were: What would you recommend as the first steps that someone who wants to buy a house should take to secure a mortgage? What is one... Read More

Overbidding on HUD REOs

Looking to buy a HUD home?  FHA recently changed the program around to make it easier for buyers to purchase properties and renovate them.  Now buyers can overbid on HUD homes, obtain FHA renovation financing (203K), and they don't have to bring in the difference! Heres the deal.  For properties that are FHA foreclosures (you... Read More

Repair Escrows

So how exactly does the repair escrow work? Well that's a great question!  Let's go thru this step by step.  We offer repair escrows with any loan program:  FHA, VA, RD, & Conventional. Repair escrows give the buyer the ability to have the work done after closing. Here’s how it works: Appraisal is completed and... Read More

Qualified Mortgage – QM

You may have heard some of the buzz in the news about a qualifed mortgage rule rolling out in the begining of January.  I want to try and dispell some of the rumors because the media as always makes this sound like a big deal.  The fact is Lenders are already doing this and its... Read More

Latest Blog Post

July Lunch And Learn: Options For Every Home Buyer

OPTIONS FOR EVERY HOME BUYER

AS A REALTOR, HAVE YOU EVER WONDERED WHY BUYERS FIT INTO ONE PROGRAM VS ANOTHER?

Every home buyers scenario is different.  When first meeting with a buyer we take a deep dive into there personal financial information.  The personal financial information is going to determine our limits for the different loan programs.  However, there is much more to it.  When we meet we also go over their wants, dreams, and future goals.  Here are just a handful of questions that then help to determine the loan program.

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