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FYI with JVP🎙🏠 episodes
- Who can "gift" you a down payment, and how are those gift down payment funds verified? (S5 E16)
Realtor John V. Pinto and Abel Fregoso, Senior Loan Officer at Homebridge Financial Services, talk about the ins & outs of having a blood relative assisting in your purchase of a home. They can give a "gift" of some, and in some cases, all, of the down payment you need. Find out what kind of paperwork the lender will want to see.
12 min - How credit scores determine your qualification and interest rates. (S5 E15)
Realtor John V. Pinto and Abel Fregoso, Senior Loan Officer at Homebridge Financial Services explain how credit scores determine your qualification for a loan and what the interest rate will be.
17 min - Pros and cons of choosing 30-year vs 15-year amortization schedules for Home Loans (S5 E13)
Realtor John V. Pinto and Senior Loan Officer Abel Fregoso of Homebridge Lending discuss the real-world benefits and detriments of 30 year vs 15 year mortgages. What are the factors that determine the best decision for your situation? How do the interest rate, monthly payment, amount of interest paid over the life of the loan and the loan amount you qualify for, change between the two options? And is there a third option? You can see our Doodly version of this topic at: https://youtu.be/ZnIAhDZ6yag
13 min - Financing Accessory Dwelling Unit (ADU) & Jr Accessory Dwelling Unit (Jr. ADU) construction (S5 E14)Realtor John V. Pinto and Senior Loan Officer Abel Fregoso of Homebridge Lending discuss why you should consider building an ADU (or Jr ADU) and obstacles you may face when seeking financing.7 min
- FNMA Homestyle Conventional Renovation Loans (S5 E12)
Realtor John V. Pinto and Abel Fregoso of Homebridge Lending discuss the benefits of combining your home purchase financing with a renovation loan, when you require a higher loan amount than FHA allows and have a larger down payment.
18 min - FHA 203K Purchase Money + Renovation Loans (S5 E11)
Realtor John V. Pinto and Senior Loan Officer and Abel Fregoso of Homebridge Lending discuss the benefits of combining your home purchase financing with a renovation loan.
19 min - Understanding the Pros & Cons of Adjustable-Rate Mortgages (S5 E10)
Realtor John V. Pinto and Senior Loan Officer Abel Fregoso of Homebridge Lending discuss when it's beneficial to opt for an ARMs (Adjustable Rate Mortgages), potential savings in payments and interest rates, and understanding how future rates are tied to Loan Indices & Margins.
20 min - Mortgage Loans for Investors in 1 to 4 units. (S5 E9)
Realtor John V. Pinto & Senior Loan Officer Abel Fregoso talk about what Loan Products are available for Investors in 1 to 4 units. Learn how the location of the property & it's Sales Price will affect Loan Limits, Required Down-payment and Qualifying Debt Ratios.
10 min - What are "Points" & How Do They Affect My Interest Rate? (S5 E8)
Realtor John V. Pinto & Senior Loan Officer Abel Fregoso of Homebridge Lending explain how you can adjust the interest rate on your home loan by increasing or decreasing the "points". How one factor in your decision should be the answer to the question "How long do I anticipate owning this property?"
10 min - Using Jumbo loans to finance homes in high cost areas. (S5 E7)Realtor John V. Pinto and Senior Loan Officer Abel Fregoso of Homebridge Lending explain the difference between "Conventional", "Jumbo" and "Super Jumbo" Home Loans.14 min
About FYI with JVP🎙🏠
From the publisher's feed
John V. Pinto, Realtor waxes poetic on real estate, financing, storytelling, fine living, cooking, and life in the San Francisco Bay Area.
https://hihello.me/hi/yourrealestatetimetable
https://anchor.fm/john-pinto2/message