Kathy Sheehan Mortgage Lender

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Mortgage and Lending - Bay Equity, LLC 770-634-4021 - NMLS #206275 GA 25689
FHA Renovation loans are available in two different formats, streamline and consultant.  The consultant loan allows for more extensive repairs.  The streamline program caps the repairs at $35,000.    The advantage of the FHA renovation loan, is that the underwriting criteria including credit, dow...
  Divorce Town is the vision of my friend Lisa Decker.  Lisa has devoted her career to helping individuals navigate the divorce process in a less stressful, less costly manner as a Certified Divorce Financial Analyst.  Her vision was to bring together other professionals to help support her effo...
USDA residential mortgage loan changes took place on May 1, 2013.  The changes pertain to exceptions where the housing and debt to income ratio exceed 29 and 41 respectively. If the applicant has a credit score of 680 or greater may be approved for a higher house ratio as high as 32% and total de...
Happy Mother's Day!  Craig has posted a very unique tribute to all Mothers.   I couldn't help but smile when I watched it and certainly thought it was worth sharing with you. Happy Mother's Day! The Mom Rhapsody... In honor of all the Mom's out there, today is YOUR day. Happy Mother's Day to you!...
The Cobb Association of Realtor (CAR) meeting was held this week.  The room was filled with real estate professionals and affiliates eager  to hear what some of Cobb's superstar agents are doing considering inventory is so low in the metro area.  The panel consisted of the following members pictu...
Free App for Friday has been a popular series.  I am always delighted when I can share information that will help you be more efficient in your business.  With that in mind, let me introduce you another one of my favorite apps GA DOT511.   I can quickly hit the app on my iPhone and it will show m...
A rainy Saturday is an understatement!  It has been a steady rain storm since early this morning.   In fact, the weather forecast is not very optimistic for tomorrow either.  Fortunately, I had heard the forecast yesterday before I ran a couple of errands.  I was shopping  yesterday when I saw th...
Free App for Friday is here again.  I think you will all appreciate this one.  You can add text to your photographs with one easy tap on your smart phone.  Think of all the possibilites, you can add the location of the photo, the individuals in the photograph, a special comment, or inspiration qu...
Truth or Consequences was a television game show when I was growing up.  As I remember it, the contestants had just a few second to correctly answer a question.  Some of the questions were so ambigous that no one would ever be successful. In fact, I think that really was the point.  They wanted t...
  Networking has always been a vital part of my business and after eight years, I would like to think that I have mastered this skill. I recently attended a networking event focused on real estate industry professionals.  There were close to 300 people in attendance!  Yes, the real estate market ...

Kathy Sheehan

Senior Loan Officer
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