Below is the current waiting periods for the most common economic events that effect borrowers and their ability to get a loan.   Derogatory Event Fannie Mae Freddie Mac FHA USDA/VA Bankruptcy Chapter 7 or 11 4 years from discharge date 4 years from the discharge date 2 years from discharge date ...
Our impact on the environment is growing and it’s time for each of us to rethink our everyday actions and what that means for our planet in so many ways. Try calculating your environmental footprint to assess your personal impact on the environmentand see where you can make small changes to help ...
Myth #1: The loan package with the lowest interest rate is always best.   You may be tempted to pick one home loan over another simply because the interest rate is lower; however, this could be a mistake. Many borrowers fail to look at the comparison rate, but it’s very important. Check the compa...
You’ve definitely heard of Pinterest, and maybe you’ve pinned some things to your boards in hopes you’ll try a new recipe or start a project one day. Maybe you are one of those crafty few that constantly finish projects you’ve pinned. No matter what kind of Pinterest user you may be, Pinterest ca...
Once you decide to sell your home, it’s inevitable that you will receive a lot of solicited and unsolicited advice. To help you differentiate between good and bad advice, here are 5 common myths about selling your home.   1. Open houses are the best way to land a buyer.   People often have an ove...
 Mentioning that a home is part of a Homeowner’s Association (HOA) can elicit a variety of responses. The range of opinions varies depending on a number of factors, including individual preferences and the value of the HOA to the community. Homeowners who live in an HOA must adhere to the rules a...

Raoul Loustaunau
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