Sales price has very little difference to do with your payment as compared to other factors.
Sales price has very little difference to do with your payment as compared to other factors.
Let me explain...
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31
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Freddie Mack or Fannie Mae? Where to take Student loans and conventional loans
Student loans and conventional financing...
Taking it to Freddie instead of Fannie can make all the difference in the world
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#MortgageLife #mortgage #fannieMae #FreddieMack #StudentLoans #mortgageadvice #mortgagetips #closing #preapproval #fixedrate #adjustablerate #refinancing #refinance #prequalify #firsttimehomebuyer #homebuyer #homebuying #mortgageofficer #Loan #LoanOfficer #ConventionalLoans #FHALoans #VALoans #USDA
14
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Escrows and receiving tax bills
Escrows and receiving tax bills
#ThePechmannTeam #HMPFamily
#MortgageLife #mortgage #credit #escrow #tax #taxbills #mortgageadvice #mortgagetips #inflation #closing #preapproval #fixedrate #adjustablerate #refinancing #refinance #prequalify #firsttimehomebuyer #homebuyer #homebuying #mortgageofficer #Loan #LoanOfficer #ConventionalLoans #FHALoans #VALoans #USDA
8
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Be careful of changing jobs before purchase
If you are a server, making tips
And want to buy a house…
Be careful of changing jobs before purchase
#ThePechmannTeam #HMPFamily
#MortgageLife #mortgage #mortgageadvice #mortgagetips #inflation #closing #preapproval #fixedrate #adjustablerate #refinancing #refinance #prequalify #firsttimehomebuyer #homebuyer #homebuying #mortgageofficer #Loan #LoanOfficer #ConventionalLoans #FHALoans #VALoans #USDA
13
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The best way to keep on top of your credit.
The best way to keep on top of your credit......And it’s not credit karma, trust me
#ThePechmannTeam #HMPFamily
#MortgageLife #mortgage #creditscore #credit #creditcheck #creditkarma #mortgageadvice #mortgagetips #inflation #closing #preapproval #fixedrate #adjustablerate #refinancing #refinance #prequalify #firsttimehomebuyer #homebuyer #homebuying #mortgageofficer #Loan #LoanOfficer #ConventionalLoans #FHALoans #VALoans #USDA
8
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Wire Fraud Awareness
Wire fraud…
Please be aware of this, seems like it’s ratcheted up a few notches
Here’s how to prevent it!
#ThePechmannTeam #HMPFamily
#MortgageLife #mortgage #WireFraud #FraudPrevention #mortgageadvice #mortgagetips #inflation #closing #preapproval #fixedrate #adjustablerate #refinancing #refinance #prequalify #firsttimehomebuyer #homebuyer #homebuying #mortgageofficer #Loan #LoanOfficer #ConventionalLoans #FHALoans #VALoans #USDA
15
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Tips on buying a house and how to negotiate with the seller
Low on assets, not enough seller concessions...
What do you do if you’re trying to buy a house and negotiate with the seller in this crazy market.
#ThePechmannTeam #HMPFamily
#MortgageLife #mortgage #credit #mortgageadvice #mortgagetips #closing #preapproval #fixedrate #adjustablerate #refinancing #refinance #prequalify #firsttimehomebuyer #homebuyer #homebuying #mortgageofficer #Loan #LoanOfficer #ConventionalLoans #FHALoans #VALoans #USDA
11
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How to structure the loan that can make or break the deal
Sometimes, the mortgage business just comes down to common sense.
I know…
The mortgage business and common sense are sometimes not the best of friends.
It’s how you structure the loan that can make or break the deal
#ThePechmannTeam #HMPFamily
#MortgageLife #mortgage #credit #mortgageadvice #mortgagetips #closing #preapproval #fixedrate #adjustablerate #refinancing #refinance #prequalify #firsttimehomebuyer #homebuyer #homebuying #mortgageofficer #Loan #LoanOfficer #ConventionalLoans #FHALoans #VALoans #USDA
6
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Tips that can help you avoid delays for back up offer
In this real estate market, you better have all your ammo ready.
And yes that includes closing on time or early.
That is big-time important!
Here’s a couple tips that can help you avoid being shoved to the side for a back up offer.
#ThePechmannTeam #HMPFamily
#MortgageLife #mortgage #credit #mortgageadvice #mortgagetips #closing #preapproval #fixedrate #adjustablerate #refinancing #refinance #prequalify #firsttimehomebuyer #homebuyer #homebuying #mortgageofficer #Loan #LoanOfficer #ConventionalLoans #FHALoans #VALoans #USDA
29
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Veterans, just something to be aware of when you buy a new construction
Veterans, just something to be aware of when you buy a new construction
#ThePechmannTeam #HMPFamily
#MortgageLife #mortgage #credit #mortgageadvice #mortgagetips #inflation #closing #preapproval #fixedrate #adjustablerate #refinancing #refinance #prequalify #firsttimehomebuyer #homebuyer #homebuying #mortgageofficer #Loan #LoanOfficer #ConventionalLoans #FHALoans #VALoans #USDA
38
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Things to avoid doing when buying a house
A couple things that you DO NOT do when you’re looking to buy a house.....
Especially in this market
#ThePechmannTeam #HMPFamily
#MortgageLife #mortgage #credit #mortgageadvice #mortgagetips #closing #preapproval #fixedrate #adjustablerate #refinancing #refinance #prequalify #firsttimehomebuyer #homebuyer #homebuying #mortgageofficer #Loan #LoanOfficer #ConventionalLoans #FHALoans #VALoans #USDA
19
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2 lessons in business that helped us turn the corner years ago.
2 lessons in business that helped us turn the corner years ago.
Until I learned this, It was massive frustration
#ThePechmannTeam #HMPFamily
#MortgageLife #mortgage #mortgageadvice #mortgagetips #inflation #closing #preapproval #mortgagerates #fixedrate #adjustablerate #refinancing #refinance #prequalify #firsttimehomebuyer #homebuyer #homebuying #mortgageofficer #Loan #LoanOfficer #ConventionalLoans #FHALoans #VALoans #USDA
4
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Things that helped me when I came to the mortgage industry
He is some of the best advice I received when it came to business
One has to do with obtaining your goals
And the other has to do with particular deals
Both have served me very well over the years
#ThePechmannTeam #HMPFamily
#MortgageLife #mortgage #mortgageadvice #mortgagetips #inflation #closing #preapproval #mortgagerates #fixedrate #adjustablerate #refinancing #refinance #prequalify #firsttimehomebuyer #homebuyer #homebuying #mortgageofficer #Loan #LoanOfficer #ConventionalLoans #FHALoans #VALoans #USDA
12
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Important things to provide when you are on the pre qualying process
OK, you just can’t lie about your employment situation and think that nobody’s going to catch it.
#ThePechmannTeam #HMPFamily
#MortgageLife #mortgage #mortgageadvice #mortgagetips #inflation #closing #preapproval #mortgagerates #fixedrate #adjustablerate #refinancing #refinance #prequalify #firsttimehomebuyer #homebuyer #homebuying #mortgageofficer #Loan #LoanOfficer #ConventionalLoans #FHALoans #VALoans #USDA
25
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Inventory of housing is down.. Here's why!
Inventory is waaaaaaayyyy down
30% year-over-year, and
For homes under $250,000, it’s over 40% ....yikes!! 😬😳
If you’re in the market to purchase,
you need to check out this tool that we have to help you understand where you will be in the next 5 years.
Bidding over asking price is the norm now.
But you need to have the tools to see where you will be in the future.
Check out my video in the comment section explaining this…
Hope this helps 😊
#ThePechmannTeam #HMPFamily
#MortgageLife #mortgage #mortgageadvice #mortgagetips #inflation #closing #preapproval #mortgagerates #fixedrate #adjustablerate #refinancing #refinance #prequalify #firsttimehomebuyer #homebuyer #homebuying #mortgageofficer #Loan #LoanOfficer #ConventionalLoans #FHALoans #VALoans #USDA
Here is the 2 min video, breaking down the forecast of when you bid over asking price: http://somup.com/cre0l7bO7v
79
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Quick Mortgage Tip.. with an ocean view
Quick mortgage tip, with an ocean view.
Mattress money = not good
#ThePechmannTeam #HMPFamily
#MortgageLife #mortgage #mortgageadvice #mortgagetips #inflation #closing #preapproval #mortgagerates #fixedrate #adjustablerate #refinancing #refinance #prequalify #firsttimehomebuyer #homebuyer #homebuying #mortgageofficer #Loan #LoanOfficer
#GiftLetter #ConventionalLoans #FHALoans #VALoans #USDA
6
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Second homes vs investment properties
Second homes vs investment properties
#ThePechmannTeam #HMPFamily
#MortgageLife #mortgage #mortgageadvice #mortgagetips #inflation #closing #preapproval #mortgagerates #fixedrate #adjustablerate #refinancing #refinance #prequalify #firsttimehomebuyer #homebuyer #homebuying #mortgageofficer #Loan #LoanOfficer
#GiftLetter #ConventionalLoans #FHALoans #VALoans #USDA
68
views
1
comment
Mortgage: Changing the structure of your business
You’re self-employed for a few years,
applying for a mortgage but now you’ve change the structure of your business…
Now what?
#ThePechmannTeam #HMPFamily
#MortgageLife #mortgage #self-employed #mortgageadvice #mortgagetips #inflation #closing #preapproval #fixedrate #adjustablerate #refinancing #refinance #prequalify #firsttimehomebuyer #homebuyer #homebuying #mortgageofficer #Loan #LoanOfficer #ConventionalLoans #FHALoans #VALoans #USDA
104
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No matter what's going on in your life, the sun will always come up
The sun has come up again, imagine that. No worries are worth worrying about all the time.....
Have a great Wednesday everyone
#ThePechmannTeam #HMPFamily
#MortgageLife #mortgage #mortgageadvice #mortgagetips #inflation #closing #preapproval #mortgagerates #fixedrate #adjustablerate #refinancing #refinance #prequalify #firsttimehomebuyer #homebuyer #homebuying #mortgageofficer #Loan #LoanOfficer
#GiftLetter #ConventionalLoans #FHALoans #VALoans #USDA
11
views
What Keeps you Motivated?
The difference between getting a gift going FHA versus conventional
And also...
What keeps you motivated?
#ThePechmannTeam #HMPFamily
#MortgageLife #mortgage #mortgageadvice #mortgagetips #inflation #closing #preapproval #mortgagerates #fixedrate #adjustablerate #refinancing #refinance #prequalify #firsttimehomebuyer #homebuyer #homebuying #mortgageofficer #Loan #LoanOfficer
#GiftLetter #ConventionalLoans #FHALoans #VALoans #USDA
9
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Bank says you can’t We say you can!
Bank says you can’t
We say you can!
#ThePechmannTeam #HMPFamily
#MortgageLife #mortgage #mortgageadvice #mortgagetips #inflation #closing #preapproval #mortgagerates #fixedrate #adjustablerate #refinancing #refinance #prequalify #firsttimehomebuyer #homebuyer #homebuying #mortgageofficer #Loan #LoanOfficer
#GiftLetter #ConventionalLoans #FHALoans #VALoans #USDA
46
views
How Inflation affects mortgage rates
Got to be aware of inflation and how it affects mortgage interest rates
#ThePechmannTeam #HMPFamily
#MortgageLife #mortgage #mortgageadvice #mortgagetips #inflation #closing #preapproval #mortgagerates #fixedrate #adjustablerate #refinancing #refinance #prequalify #firsttimehomebuyer #homebuyer #homebuying #mortgageofficer #Loan #LoanOfficer
#GiftLetter #ConventionalLoans #FHALoans #VALoans #USDA
108
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Importance of Preapprovals, Pre underwrite versus pre-qualification
So, this is important when it comes to preapprovals/ pre underwrite versus pre-qualified
#ThePechmannTeam #HMPFamily
#MortgageLife #mortgage #mortgageadvice #mortgagetips #refinance #closing #preapproval #underwriting #refinancing #refinance #prequalify #firsttimehomebuyer #homebuyer #homebuying #mortgageofficer #Loan #LoanOfficer
#GiftLetter #ConventionalLoans #FHALoans #VALoans #USDA
25
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How to get your offer suggested and what is delayed financing
Here’s a quick strategy to try to get your offer accepted...
And what is delayed financing?
#ThePechmannTeam #HMPFamily
#MortgageLife #mortgage #mortgageadvice #mortgagetips #refinance #closing #recasting #refinancing #refinance #taxRefund #firsttimehomebuyer #homebuyer #homebuying #preapproval #mortgageofficer #Loan #LoanOfficer
#GiftLetter #ConventionalLoans #FHALoans #VALoans #USDA
20
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Making your life easier when you apply for a mortgage
QuickTip: What would make life a lot easier when you apply for a mortgage
#ThePechmannTeam #HMPFamily
#MortgageLife #mortgage #mortgageadvice #mortgagetips #refinance #closing #recasting #refinancing #refinance #taxRefund #firsttimehomebuyer #homebuyer #homebuying #preapproval #mortgageofficer #Loan #LoanOfficer
#GiftLetter #ConventionalLoans #FHALoans #VALoans #USDA
18
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