Jayne Combs's Blog

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Mortgage and Lending - Arbor Financial - NMLS#222444 DRE#01231515
RECENT BLOG POSTS
Ok, I know many of you give closing gifts, which is a great idea; however, today I'm going to help you put that strategy on steroids. First, the question always arises, when is the best time to give a gift? The problem with a closing gift is the whole process of buying the home is almost old news...
11/29/2010
FHA financing is available to borrowers who have legal residence in the U.S.  The two categories of legal residents are: Permanent Resident Aliens Non-Permanent Resident Aliens Permanent Resident Aliens Provide valid Social Security Number Provide copy of the Alien Registration Receipt Card (Res...
11/29/2010
Marketing Without Moneyby Jeff Crilley There's an old saying, "If you build a better mousetrap, the world will beat a path to your door." That's just not true anymore. There are plenty of wonderful mousetraps out there that no one will ever buy because nobody knows they exist. And you don't have ...
11/29/2010
Here we go again......and they wonder why homeownership is not rebounding... Home Ownership Gets Harder for Americans as Lenders Restrict FHA Mortgages Wed, 2010-11-17 06:26 - Andrew T. Berman ...Mortgage lenders including Wells Fargo & Co. and Bank of America Corp., the two largest, have raised ...
11/17/2010
Today I have a great little story for you with a great take home message!There was a bakery with a large clock on the inside wall that faced out towards the sidewalk. The baker noticed that every morning an older gentleman walked by, took out his pocket watch and set the time according to his wal...
11/16/2010
If you have a client who is buying a HUD foreclosure, check your close dates and ask for a contract extension. Their REO inventory is being transitioned into a new software system, which in turn is causing delays with rate locks, appraisal expirations, etc.  This is suppose to happen from Novembe...
11/16/2010
Directly from Hud Manual 415.2 - Refer to the manual in its entirety for specific details. Required Repairs:  Required repairs are limtied to those repairs necessary to preserve the continued marketability of the property and to protect the health and safety of the occupants, aka the three S's: S...
11/10/2010
Rule:  Home on the market and purchasing new primary residence  Q: What if the current home is NOT sold before purchasing primary residence? Must qualify with both monthly payments 6 months worth of monthly payments for BOTH homes as a "cushion" Can be reduced 2 months worth of monthly payments i...
11/10/2010
How to Use QR Codes for Real Estateby Scott Pierce Having produced over 40,000 QR Codes for real estate companies, brokers and agents at companies such as Prudential, RE/MAX, Keller Williams, EXIT Realty, Coldwell Banker, Long & Foster, Weichart and many leading independents including members of ...
11/08/2010
Are you using Facebook, Twitter, Active Rain, Craigslist (and the list goes on) to market your listings and attract buyers? How's that going for you?  If you don't think it's effective, or you need better results, I'd like to share 3 mistakes I have seen others make and how you can change what yo...
10/27/2010
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Jayne Combs

Mortgage Analyst and Strategist
local_phone925 326-7880
business925 326-7880
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