Roxy Redenbaugh's (roxyred) Blog

Mortgage and Lending - Roxy Redenbaugh (Acceptance Capital Mortgage Corporation)
This program was authorized by Congress in 1984 and is designed to help the first time home buyer or anyone that hasn't owned a home in three years. But what is a mortgage credit certificate?  The Mortgage Credit Certificate or MCC will offset a portion of their mortgage interest over the term o...
 One Additional Mortgage Payment a Year There's a simple trick to significantly reduce the length of your mortgage and save you thousands of dollars. The trick is to make one extra mortgage payment a year and apply that payment toward your loan's principal. This is the method being used by "Bi-We...
Give your mortgage an annual once over If the last time you looked at your mortgage was when you closed on your loan, it’s time to take it out for an annual once over.New loan programs and opportunities to leverage your home equity can bring you lower mortgage payments and new investment opportu...
"Do you ever hear about Freddie or Fannie doing anything illegal with regard to foreclosures?" Wow - that question is way above my pay grade! And I am no judge, jury, or attorney. It did remind me, however, of a story a couple months ago in the L.A. Times about kickbacks: http://articles.latimes....
In Real Estate a phase you learn quickly is Caveat emptor this is Latin for buyer beware. I am going to give you some very important tips that will help you when shopping for a home. Its nice to be able to take advantage of some of the great opportunities in the FSBO market or For Sale by Owner,...
It’s important to know the numbers and understand how you can negotiate with your lender and in some cases the seller to help you get these numbers down.   When you fill out a loan application the bank, loan officer or broker has 3 days to provide you with a good faith estimate. This good faith ...
  The first thing most people do is start the search either online or in their car on the weekend driving around going to open houses and model homes. It’s fun and gives you a feel for what you might be looking for in a home but is really not a great way to begin. The problem with this is most o...
One thing you could always count on was a long and even in some cases short term Real Estate investment. The safe investment most baby boomers had in there portfolios for retirement was and hopefully for some still is Real Estate. Most long term Real Estate investing is safe. Like any investment...
  This program has been around for some time now and I don’t think enough people know about it or are taking advantage of the opportunity. I personally don't think Fannie Mae is doing a very good job of getting the word out about this great program. With that said I thought I'd lend them a hand.T...
We all know how hard it is to sell in a down market but knowing the common elements is key for selling your home in any market. Knowing  your market, staying on track, setting your goals and staying focused are all very important to getting your home sold. Here are some tips for selling in any ma...

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