Condo spot approvals are back
learn on how to get an FHA spot approval
it has been 15 years since they did them
learn about  the benefits
what about VA and conventional

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3 pillars to getting into a home

income
credit
funds

if you are not there now, what can we do to get you there
overcome your fear and know you can own
what is the difference in rent vs mortgage payment
nice not to have to move because the landlord is selling

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lenders not doing FHA
lenders not doing investment properties
denials with 5% down conventional
what is going on?

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LP/DU - what is it
how to get real approvals upfront
good to know before the home inspection and appraisal
great question for listing agent to ask

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who owns your mortgage
what is happening with the servicers going publuc
what is happening with all the mortgage consolidations
what does it mean for the escrows and what to look out for

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multiple offers on a home
what you need to be prepared for
listing agent is calling
what can you say to build confidence with the seller
team work with you, realtor and borrower
cash rules and you must compete with that

tune in , learn and grow for less than 10 minutes

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dropping pmi after 1 year
lowering your rate
saving money
taking advantage of the higher home prices
reviewing your annual escrow statement

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docs needed before the clear to close
bank deposits , profit and loss on the self employed
salaried people with final verification thru automated system, phone , paystubs
etc.,
learn what is needed in order to issue a clear to close

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extra fees 
longer times

why is it happening and what you need to know

tune in and learn

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changes happening with second homes and investment properties
fnma/fhma will limit their purchase
could that affect the interest rate?
what else can take place

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