1. Conventional financing  - limited review
2. Qualifying - what do they include in the debt ratio - a. Insurance and b. Association fees
3. Conventional financing - full review
4. VA - condos
5. FHA condo approval

New info never shared before that I just recently learned about myself for the VAs out there.

Visit me at www.ddamortgage.com

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Here's what you'll on this week's episode:

1. Is it time to refinance
2. Are you consolidating debt or is it a rate term only
3. What makes sense cost wise and what drop in rate do you need
4. What time frame to recuperate your costs 
5. How long do you plan on staying in the home
6. Are there more drops in rates ahead
7. How does that affect buying?
8. Wjhat is this telling us when the rates are dropping?
9. What do you need to do?

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1. Do rates drop down the day of the announcement
2. Fed vs wall street
3. Does it make sense to refinance
4. What does the future hold for this year
5. What does it hold for 2020

http://www.ddamortgage.com

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1. The initial loan application doing electronic signatures and signing the CD
2. During the process of the loan , CD’s going out all the time
3. 3 days before closing, the Cd going out from the lender
4. 2 days before closing getting the Actual CD
5.  wire/check/cashier check
6. Filing homestead and possible portability
7. Once you leave closing, and get letters to buy your recorded deed-scam

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How do you get prequalfied?

We need to know 3 things and that is Credit , income, and funds

What are things to look for if you are self employed, 1099. Commissioned

What if you have been unemployed for a long time

What if you just graduated college?

Get the answers on all of this and more!

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Ever wonder what's involved in getting a loan when you're buying property?

This episode breaks it down and walks you through the process of getting your loan and explaining what's involved, starting with:

• Taking the phone application
• Sending out the electronic package
• Going over the CD
• Electronically signing package
• Uploading your supporting documents
• Processing
• Review file
• Email out any outstanding conditions
• Submit loan
• Order appraisal and title
• Shop insurance
• Out of underwriting - any outstanding conditions
• Get mortgagee clause
• Clear loan
• Send to title

Don't stress about the situation...I've got you covered and I welcome you calls to answer questions. Find me at www.ddamortgage.com

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1.  Buying a home - should you go FHA or conventional
2. What are the differences between the 2
3. What about putting 20% down and less than requires PMI
4. What are the down payments for owner occ, second home, and investment
5. What is the difference in rate
6. What is the difference between and arm and fixed
7. What are differences in costs

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What should YOU be aware of when buying a home in Florida? Find all the answers in this episode:

1. The answer is yes you are protected
2. Find and use a realtor
3. What is in place to protect you from what the realtor does for you
4. How does applying for a mortgage protect you, for example appraisal, title insurance , survey, pest inspection
5. Closing - what do you do when it is time to send funds for closing, what is the major fraud thing happening and what to do
6. After closing , you get things in the mail, letters that you owe for this and your loan is sold

Learn more at www.ddamortgage.com

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Topics covered:

1. Buying investment property conventionally
2. Are we back in 2008?
3. Discuss other options for those that have out of the box situations
4. Going NINA how does it work
5. Why would you go NINA
6. Does it fall under the Dodd Frank Bill
7. Second homes, primary out of the box loans
8. foreclosure/short sale/ Bankruptcy

Visit my website for more info and to get in touch with me at www.ddamortgage.com

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It's not as difficult as you think to own property in the US and more specifically, Florida

In this episode I talk about:

1. Who is considered a foreign national
2. Who does foreign nationals
3. What are the requirements
4. Do you need  a green card?
5. Do you need a job?
6. Do you need tax returns and bank statements?

Find out about something brand new that makes it even easier to own investment property in the US. Remember this - NINA

Check out my website for more info www.ddamortgage.com

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