Caeli Ridge shares her story of being a real estate investor. She takes us back to her beginnings and what she would think about doing differently. She also recommends what she would tell you about her lessons learned.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at [email protected]

Copyright ©2022 Geneva Financial, LLC, DBA Ridge Lending Group

NMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights Reserved

Privacy Policy |  Legal Disclosure |  Consumer Access | Texas Mortgage Notice

Larry Bailey hosts this episode and reviews the idea of finding and preparing for the next purchase. How to compete and win in a demanding market (wherever you are). And remind me why are you sticking to that market...?

There is a great referral to the folks helping spread financial awareness. Visit  https://www.ngpf.org/ to find out more

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list


As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at [email protected] 

Copyright ©2022 Geneva Financial, LLC, DBA Ridge Lending Group

NMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights Reserved

Privacy Policy |  Legal Disclosure |  Consumer Access | Texas Mortgage Notice

 Caeli Ridge reviews when it makes sense to refinance (goals, costs, terms).

Lots of great Q&A from those that attended!! Thank you all for coming.

You can join these live each week by following this link to join the call:
https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/list


As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at [email protected] 

Copyright ©2022 Geneva Financial, LLC, DBA Ridge Lending Group

NMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights Reserved

Privacy Policy |  Legal Disclosure |  Consumer Access | Texas Mortgage Notice

Today's show  was hosted by Larry Bailey and he will be covering the details of mortgage lending and  what goes on "behind the curtains" in mortgage application processing, underwriting, and closing. This will be a 2 part series, so make sure you are asking questions along the way. Here is a proposed agenda for our mini-series:

The agenda of the call is:

- Choosing a lender 

- How to start and complete a mortgage application 

- What kinds of documents will you need to send in and when 

- What are the costs of applying for a mortgage 

- What is a pre-qualification 

- What is a pre-approval 

- What is an underwriting approval / commitment to lend 

- What are underwriting conditions 

- What is title insurance for 

- Getting ready for closing and how to avoid jeopardizing your application 

- What happens at the closing table 

- What happens after the closing 

- When to choose a new lender 

Caeli Ridge discusses all about The BRRR Method. 

In this episode Caeli reviews 

• Using the BRRR method you will need to:
  • Buy
  • Rehab
  • Rent
  • Refinance (to pull money out for the next investment)

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at [email protected]

Copyright ©2022 Geneva Financial, LLC, DBA Ridge Lending Group

NMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights Reserved

Privacy Policy |  Legal Disclosure |  Consumer Access | Texas Mortgage Notice

Caeli Ridge discusses all about credit reports, credit scores and the details of working with credit reports. 

In this episode Caeli reviews 

• An actual credit report (redacted information)
• Credit scores
• How the credit scores can change
• How a credit score can affect your mortgage application
• How a credit score can affect your mortgage interest rate
• Q & A from the group
  
  

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at [email protected] 

Copyright ©2022 Geneva Financial, LLC, DBA Ridge Lending Group

NMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights Reserved

Privacy Policy |  Legal Disclosure |  Consumer Access | Texas Mortgage Notice

Today's show  will be hosted by Larry Bailey and he will be covering the details of mortgage lending preparation (as a borrower), as well as what goes on "behind the curtains" in mortgage application processing, underwriting, and closing. This will be a 2 part series, so make sure you are asking questions along the way. Here is a proposed agenda for our mini-series:

Process for preparing for a new mortgage

- Income documents and calculations 

- Credit report review and preparations 

- Assets review and preparation 

- Property review 

- Choosing a lender 

- How to start and complete a mortgage application 

- What kinds of documents will you need to send in and when 

- What are the costs of applying for a mortgage 

- What is a pre-qualification 

- What is a pre-approval 

- What is an underwriting approval / commitment to lend 

- What are underwriting conditions 

- What is title insurance for 

- Getting ready for closing and how to avoid jeopardizing your application 

- What happens at the closing table 

- What happens after the closing 

- When to choose a new lender 

Caeli Ridge goes through different scenarios with the All-in-One loan program at Ridge Lending Group.

This is part 2 of 2.

In this episode Caeli reviews 

How the simulator works
Why the AOI loan calculations change the way they do
When the AOI is a good choice
When the AOI is not a good choice
Live example of combining 2 existing loans together into 1 AOI loan
Some general Q&A

Tune into the previous episode for more details and using the All-In-One Simulator on 3-15-2022

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at [email protected] 

Copyright ©2022 Geneva Financial, LLC, DBA Ridge Lending Group

NMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights Reserved

Privacy Policy |  Legal Disclosure |  Consumer Access | Texas Mortgage Notice

Caeli Ridge discusses all about the All-in-One loan program at Ridge Lending Group. 

This is part 1 of 2.

In this episode Caeli reviews 

• What is the All-in-One loan program
• What kinds of properties can you use it against
• Reasons why it is a good loan for you
• Reasons why it is not a good loan for you
• General Use Cases as examples
• Some general Q&A

Tune into the next episode for more details and using the All-In-One Simulator

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at [email protected] 

Copyright ©2022 Geneva Financial, LLC, DBA Ridge Lending Group

NMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights Reserved

Privacy Policy |  Legal Disclosure |  Consumer Access | Texas Mortgage Notice

Caeli covers what you need to know about when the Fannie Mae and Freddie Mac guidelines no longer help you close on your mortgage loan. We covered some of the following loan programs listed below - most are now included in the term of "Non-QM" or non-qualified mortgage (remember that a qualified mortgage is a technical term created by the Dodd-Frank legislation in 2010), AKA non-Fannie Mae / Freddie Mac

• Bank Statements
• Asset Depletion
• DSCR (Debt Service Coverage Ratio loan)
• Interest Only
• Mortgage History 1x30x12
• 1099s
• Bank Statements Only
• Alt-Doc
• Foreign National
• Closing in LLC
• Bridge loans
• Commercial
• In-house with questionnaire
• Mixed-Use

As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at [email protected] 

Copyright ©2022 Geneva Financial, LLC, DBA Ridge Lending Group

NMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights Reserved

Privacy Policy |  Legal Disclosure |  Consumer Access | Texas Mortgage Notice