1. Do you shop online?
2. Do you go with a referral, someone in the community?
3. Is it from a realtor, friend, or someone from your work
4. What are questions to ask when getting rates and costs
5. Are they 9 to 5 and does it matter?
6. Will they attend the closing? Is there any value to that?
7. Is ti a one time deal or a partner for life?

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1. How much down do you need?
2. Fund down for fha, va, conventional and non qm loans
3. Down payment assistance - how does that work
4. Where are the funds coming from
5. The ground - pillow - 
6. Gift from a family member
7. 401k
8. Checking, savings, stocks?
9. Seasoning - what does that mean
10. How can you preplan in order to purchase a home
11. Weird deposits, is that good?

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1. Downpayment - what is available
2. Down payment assistance
3. Borrower from your 401k
4. Gift of funds from a family
5. Funds have to be paper trailed
6. Seasoning for 2 months

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1. Graduating high school - what do you do?
2. Bad things happen to good people , what do you do?
3. What causes low credit scores and what can you do?
4. How does the credit score scale work?
5. Does it affect the rate and your monthly PMI if you put less than 20% down?

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1. When do you order an appraisal?
2. What happens if the value is higher, the same or lower?
3. If it is lower than what can you do?
4. Is there a solution and how does it affect conventional,fha and va?
5. Appraisal waivers and how does that work?
6. Is this something that will continue to expand the appraisal waiver and how does it affect us

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1.  What is a non QM loan and how does it differ from a QM Loan
2. Does it apply to owner occupied homes, second homes and investor home?
3. What type of programs are their
4. Why would someone need a non QM loan
5. Is it growing from previous years - 
6. Is it comparable to sub prime was over 10 years ago?
7. Is it a good loan for the consumer?
8. Do you like doing them?
9. What do you see in the future regarding this product

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1. Rates are coming down
2. Do we just go for savings or do you switch gears and look at reducing the term
3. How can we taylor make our refinance - just a 10-15-30 year?
4. What about the interest rate
5. What about debt consolidation
6. Kids student loans due for payments, addition to the home, consolidate credit card debt
7. What are the benefits putting it all in one loan vs paying everyone else
8. Are you making the right move?

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What happens when you are delinquent? Are we heading into a recession

1. How many are past due on their mortgage
2. What actions do you take
3. Should you just do nothing
4. What about the big tech companies
5. Who should you be dealing with
6. What is the plan of attack - is it to be defensive or offensive

www.ddamortgage.com

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1. Taking the loan application
2. Electronic signatures
3. Downloading supporting documents
4. Ordering title
5. Getting home inspection/ then ordering appraisal
6. Getting home insurance
7. Getting any outstanding documentation
8. Going to closing
9. Wiring money

Listen in for extra tips because I'm gonna quiz you!

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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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