getting a CPA letter
no adverse effect of taking the funds out of the business
what % do you own your business

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Start with a rate 2% lower than the market rates for the first year
then 1% for the second year
save money with the seller concessions
what happens if you refinance next year, what happens to the money

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Loan limits increased to $715,000 for FNMA and FHMC
get better rates without having to go to Jumbo financing

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Non-QM lenders going out of business
Non-QM having to pay to get their loans off their lines
conventional lenders laying off, closing channels across the board
fewer loans more scrutiny
loans being over-documented in order to get them sold
rates have doubled this year and as a result, this has all happened

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doing verification of rent with a private individual or mgmt co
being prepared if doing a non-QM loan if they want canceled checks

maybe best not to pay in cash
be in good standing with your landlord

ok to be rent-free as well

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what happens to the  property taxes after you purchase your home
do you know about portability if it applies to you
what about the homestead and not forgetting to file for it

how do you learn to research what the new property tax bill will be

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is your insurance going up in your escrow account
when buying are you shopping
know to get a 4 pt when shopping
why are the insurance carriers leaving the State of Florida
Are downgrades coming to the insurance companies in Florida
what is going on with all these new roofs

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du/lp the loan when getting a verbal
borrower uploads documents quickly
borrower shops insurance
processor orders appraisal and title
realtor gets home inspection done asap
if an appraisal waiver is granted - take it
if one is needed, order quickly
everyone working together makes a fast closing
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12 months of bank statements to qualify for a mortgage
2 years of being self-employed

no tax returns
no w2s
no 1099's

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buyers are having a better chance of getting their home when making an offer
even though rates are higher than what we have experienced there is an answer to what is come
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