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Mortgage and Lending - Bay Equity - Bay Equity NMLS #76988
My blog will try to provide you insights into mortgage lending, my prospectives into the real estate market and general information. I provide this based upon my 39+ years in the real estate, building and now for the past 23 years the mortgage industry.
RECENT BLOG POSTS
There are many reasons why a mortgage loan could be declined. It doesn't have to be the end of your real estate dreams. Here are a few things to consider if you've been turned down for a mortgage. Loan-To-Value Ratio: The loan-to-value ratio (LTV) is the percentage of the appraised value of the p...
07/28/2014
You've found the perfect property and a great mortgage loan with the best interest rate you can find. What's next in the home buying experience? Signing the contracts and paying the closing costs. But what exactly are closing costs? Here Is A List Of The Most Common Closing Costs: Titling Fees - ...
07/11/2014
Sometimes, when buying - or even thinking about buying real estate for investment purposes, you're faced with the need to fix up the property.  The question then arises: Should I fix it up myself or hire it done? Unfortunately, no one can give you the right answer. However, there are a few questi...
07/11/2014
Building a tree house is a time honored tradition for many families. One of the benefits of having a yard is the ability to build a tree fort for your children. If you're planning to build a fun fort for your kids, here are seven steps to help you create the ultimate tree house. The Ultimate Plan...
07/11/2014
With the prices for everything skyrocketing these days, every penny counts. This includes your homeowner's insurance costs. If you're thinking of buying a home and need homeowner's insurance, here are a few tips on getting quality insurance for a fair price: Tip #1: Shop Around: Ask family and fr...
06/23/2014
Understanding your credit score and how it impacts your home ownership prospects your credit score is an important part of your financial profile. It has a direct impact on your ability to take out loans. The score itself is a numerical reflection of your credit history. It gives lenders a way t...
06/23/2014
The decision to install a pool is generally one that is applauded by at least certain members of the family. Whether you have children or not, however, having a pool at home is certainly something you can enjoy for yourself. But what if you don't think your yard is particularly suited to a pool? ...
06/23/2014
Too often, home buyers are disappointed when they find their dream home only to discover they are not able to get a mortgage to purchase the property. There are methods that potential buyers can use to ensure this does not happen to them. One of these options is to ensure you obtain a pre-qualifi...
06/18/2014
Purchasing an investment property is one of the most important decisions that you'll ever be a part of. As such, it's a necessity to make your decisions with only the most careful of consideration. Here are the six tips that you need to heed in order to ensure that you don't get fleeced. Find The...
06/18/2014
If you are an entrepreneur or a small business owner, you probably know that there are a lot of advantages to this lifestyle - the freedom, the exciting challenges, the opportunities and the ability to make a living doing what you love. However, you also know that being a small business owner can...
06/18/2014
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