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RECENT BLOG POSTS
If you receive a post with a link from one of your friends telling you they saw you in a video and it was funny.. do NOT click the link to the video. It may seem harmless and who wouldn't be curious about being in a video, but I believe it's some kind of program to steal your password. If you do ...
01/26/2011
I personally believe it is the responsibility of the loan officer to assure their client is aware of what they will be facing with respect to payments. Having said that, I also know that not all LO's go through that information with their buyers during pre-approval, regardless of how important it...
01/26/2011
Low down payment options for first time home buyers is an integral part of the real estate cycle. Without first time home buyers, the cycle slows for everyone else looking to buy and sell investment properties or upgrade to new homes. As of a couple of weeks ago, we are now doing Conventional loa...
01/25/2011
If you receive a post with a link from one of your friends telling you they saw you in a video and it was funny.. do NOT click the link to the video. It may seem harmless and who wouldn't be curious about being in a video, but I believ it's some kind of program to steal your password. If you do c...
01/23/2011
Guidelines have changed and everything.. I mean everything has tightened up. Talk about one extreme to the other! Just a few years ago, most banks didn't even require the buyer to have a pulse (and some actually didn't!!). Nowadays, full doc loans are about the only way to obtain financing for pu...
01/21/2011
Everyone has done it.. perusing listings and plugging in the sales price and down payment amount in to the mortgage calculator, right? Holy Canonballs Batman, $1200 per month for a $300,000 home??? Where do I sign? OK, as simple as this may seem, it's important to assure we are all educating the ...
01/20/2011
For those that have clients who would prefer to use their cash for things other than down payments, there are still options out there. Aside from 3% conventional down payments and 3.5% FHA down payments, there are two other programs that offer no down options VA: Most are familiar with this optio...
01/20/2011
Ok Rain friends.. every once in a while it's necessary to step away from life, forget about all of the turmoil and allow yourself to laugh out loud at others. If you haven't seen Winter Wipeout on TV, you must! It's the most hiarious show I have ever seen at the contestant's expense. I've never s...
01/20/2011
Most people don't have a clue how rates work. And most LO's wouldn't dream of spilling the beans. But there really isn't anything to hide... unless you have something to hide.. hmmmmm? So everyone knows credit scores can impact rates, but did you know there are quite a few other reasons why one p...
01/20/2011
In today's market, the number of potential clients who have had a short sale or foreclosure are exponentially increasing, but that doesn't mean they can't ever buy again. So how long before they can buy again? FHA Foreclosure/Pre-Foreclosure/Short Sale: 3 year waiting period VA Foreclosure/Pre-Fo...
01/20/2011
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Brian West

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