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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

Another Happy Customer

Meet the Eckerts, closed a loan for them a few months back.  After lots of hard work on their part they were finaly able to make their dreams come true.  Here's their story:... Read More

RD Update: Government Shutdown

UPDATE FROM BELOW INFO: RD is issuing conditional commitments "subject to funding" We ARE Currently Closing and Funding RD Loans! I want to update you on the status of RD lending with the government coming back on line last night. Rural Development has sent out a couple different notices here is a brief summary: They... Read More

Government Shutdown: Whats the big deal?

Yeah the shutdown is a big deal for a lot of people and their families, but the houseing market certinaly hasnt come to a screaching hault.  I was headed into work today listening to the radio and all the news about the government shutdown.  We all knew it was possible and by the end of... Read More

Attention Investors: Finding the dollars

Wanted to let everyone know I'll be speaking in front of a group of investors in Kalamazoo, Michigan on August 27th.  If you are thinking about buying a rental property or looking to expand your portfolio this would be a great opportunity to not only learn more about the mortgage guidelines and process, but also... Read More

City Of Kalamazoo Housing Inspection News

Well the City of Kalamazoo has release there Summer 2013 Newsletter.  Couple interesting things to note. Landlords so be sure to schedual reinspection for renew certificates well in advance to take advantage of the 40 month certificate.  To find out when a certificate expires click this link Property Tax then select city of kalamazoo, then click... Read More

Traffic Jam At Rural Development

USDA Rural Development - RD program backlogged! **** As of 1/16/2014 the backlog is nearly worked thru and turn times are running approx 2 weeks. Just wanted to make sure everyone is aware of the backlog at rural development.  The process for lenders originating RD loans is the following: Lender works up and underwrites file... Read More

Appraiser Nailed You With Required Repairs – No Worries!

With all the foreclosed homes on the market right now required repairs have become very common in the home buying process.  No worries, its just another hurdle and there are a number of ways to get to closing even when the appraisal comes back with required repairs.  All loan programs FHA, VA, Rural Development, &... Read More

Latest Blog Post

Is Your House Holding You Back From Your Dream Retirement?

Retirement – a time for freedom, exploration, and pursuing your passions. But is your current home the perfect partner in this exciting new chapter?

If your house feels too big, too expensive, or simply inconvenient, downsizing could be the key to unlocking your ideal retirement lifestyle.

Here’s a quick self-assessment to see if downsizing might be a good fit:

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