Articles by Connie Sanders

USDA's Direct Home Loan Can Help For Sale by Owners
USDA Rural Development has TWO "no money down" home loan programs that can help a For Sale By Owner accomplish selling their home in today's market. It is not quite as simple as putting "no down payment" in your advertising, but if you understand the two programs you can successfully target people that will qualify.
Published 24Aug2010, viewed 403 times

The Three C's of Credit
Artice explains what a lender looks for when reviewing a loan request.
Published 15Mar2010, viewed 392 times

What Is Going On With The FHA Market?
What is really going on in the FHA Mortgage Market and why don't people seem to understand the mortgage guidelines? Find out why you must be carful when selecting your mortgage lender.
Published 20Apr2008, viewed 454 times

Just What Is The Mortgage Loan Process?
I have a web page that explains the mortgage loan process and I thought it was comprehensive but I get at least one question a day about the loan process. Perhaps it is unclear because many things actually happen in parallel.
Published 08Apr2008, viewed 405 times

What is CLTV?
This article discusses a few political issues in the mortgage industry and covers the topics of CLTV, LP, and DU.
Published 29Mar2008, viewed 458 times

Good Grief, How Long Does It Take?
I received the following question from K.S. who lives in Antelope, California. I want you to know I get this question over and over. It is one of my pet peeves because there is absolutely no reason for it to be such a frustrating reality to so many people applying for a mortgage.
Published 19Mar2008, viewed 1319 times

FHA Gift Programs Make FHA Mortgages A Great Option
FHA offers down payment assistance programs that make this loan very desirable to buyers with little cash. Even with out the gift or grant programs a buyer can usually get an FHA loan with as little as a 3% contribution. This means moneys applied to closing costs or down payment. It is a little more confusing than conventional loans but the interest rate is as good or better so it is definitely worth the effort.
Published 12Mar2008, viewed 1662 times

Don't Screw Yourself By Not Checking Your Credit
"What would happen if someone else used my social security number for a utility bill and I never lived at that address? This happened about five years ago when I found out about it. Will this hurt the underwriting of the house I am trying to buy"?
Published 11Mar2008, viewed 332 times

Seller Concessions - What Is That?
It is not uncommon for real estate agents, mortgage loan officers, buyers and sellers to inquire as to how much the seller is allowed to pay in contributions on a conventional mortgage loan in Georgia.
Published 08Mar2008, viewed 634 times

Does FHA/HUD Owe You A Refund?
Remember the first mortgage you signed for, ... sitting at the table and looking at all the fees you were charged by so many different people, just to get your mortgage. It seems overwhelming. Have you ever noticed that they are always quick to take your money but v-e-r-y slow when it comes to providing a refund?
Published 29Feb2008, viewed 608 times

FHA Refinance Options
FHA mortgages have always been very good loans for the homebuyer. In today's market the FHA refinance programs offer maximum benefits to the homeowner that wants to lower payments or get out of an adjustable rate mortgage.
Published 03Feb2008, viewed 1787 times

Real Estate Appraisals - Explained
If you are selling your home with OR without a real estate agent you should get an appraisal before you decide on the selling price. I remember a retired couple that set their selling price based on the agent's analysis. Their home sold in three days! When the appraisal came in it was $20,000 above the selling price. An upfront appraisal will protect your equity and be well worth the cost.
Published 25Jan2008, viewed 298 times

For Sale By Owner - You Can Do It!
In today's market "for sale by owner" may be the best way to sell. Trust me, it doesn't take a rocket scientist to be successful at selling your own home. The information in this article may provide you with in-site you may not have had before. You can do it yourself!
Published 12Jan2008, viewed 307 times

Open House - Remember To Do These Things
If you are a For Sale By Owner or if you have your home listed with a real estate agent you will probably want to conduct several open houses so people can view your home. You only get one shot at every potential buyer that views your home so you want to do it right the first time.
Published 07Jan2008, viewed 350 times

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