Scott 's Blog

This entry is a letter that I have been sending to my client's right after pre-approval and the results have been great. Just thought I would share. Please feel free to use if you feel that it fits your needs. Thank you for selecting me to represent you with your mortgage needs. I appreciate the ...

 1. PAY PAST DUE ACCOUNTS.Of course this sounds obvious, but understand that credit scoring software severely penalizes you for having accounts with a past due balance. 2. TRY TO "GET RID" OF YOUR LATE PAYMENTS.Contact all creditors that have reported late payments on your credit and request a go...

The most common mistake home buyers make is to believe that all realtors actually work for them. If you do not ensure that you have chosen the right realtor, you may easily lose thousands on your deal. Here are some proven tips for hiring a good realtorLook for successful real estate agents. Ofte...

1.  Be sure to shop around.The insurer you select should offer both a fair price and excellent service. Quality service may cost a bit more, but it provides added conveniences, so talk to a number of insurers to get a feeling for the type of service they give. Ask them what they would do to lower...

  1.  Not doing your homework.Knowledge is power. Tremendous information is available on the Internet. There is no excuse for entering the market unprepared.2.  Choosing a lender just because they have the lowest rate.While the rate is important, consider the total cost of your loan including, lo...

It seems as many people have questions as to the differences of these two loan programs. I spent the last 4 years just originating VA loans and they are not hard once you know what you are doing.  Conventional Loans are not guaranteed or insured by the Federal Government. All U.S. citizens, resid...

 Buying real estate can be extremely demanding. It requires a whole lot of diligence on part of the buyer, more so, when drafting the terms and conditions of the purchase offer. You may hire an attorney or another real estate agent to create a contract. Nevertheless, you should always ensure that...