Strategic Mortgage - Bill Kamboukos

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Mortgage and Lending - Strategic Mortgage - NMLS#160440
RECENT BLOG POSTS
If you receive a standard W-2 at the end of the year, from hourly pay or salary, then when it comes to qualifying for a home loan, the process is pretty straight forward. You can generally just use the income listed on your pay stubs and W-2’s for qualifying purposes. However, if you are self-emp...
10/26/2016
 By popular request, please find a basic reference guide for the different down payments needed to purchase a home, whether it will be your primary home, a secondary home or an investment home.            Of course these are just basic guides and standard qualification requirements apply, but the...
10/26/2016
 One of the biggest obstacles to someone purchasing their first home, is often the saving of a down payment.                        Nowadays, the standards still remain low for a down payment on a home with Conventional loans allowing for as little as a 3% down payment, FHA loans allowing for as ...
10/26/2016
FHA Home Loans In Arizona – Community Property DebtsWhen using an FHA home loan to purchase or refinance a home in the state of Arizona, one very important consideration is the fact that Arizona is a “community property” state.            This distinction means that on this type of loan, if you a...
10/24/2016
This past year, Fannie Mae introduced the Home Ready conventional home loan program. The program allows for a home purchase with as little as a 3% down payment and also home refinances with as little as 5% equity.However, unlike traditional conventional loans, the Home Ready program has some uniq...
10/17/2016
In almost every financial transaction you undertake, your credit score matters. Even in other areas of life, such as employment, a credit score is looked at as a reflection of responsibility and having a less than stellar credit score can impact your financial future in a positive or negative way...
04/26/2016
Purchasing your first home can be a daunting task, as the process involves a very large financial transaction and many components that the average person has just not dealt with until they navigate their first home loan process.            This article will talk about a few of the key items that ...
04/19/2016
When you apply for a home mortgage, whether to purchase a home or refinance your existing mortgage, you always want to make sure to put yourself in the best financial situation possible. This will allow you to receive the lowest interest rate possible and have the highest probability of receiving...
04/12/2016
When it comes to obtaining a mortgage for a second home or investment property, the process is very similar to that of obtaining a primary home, except with some additional financial and down payment parameters.Loan TypeThe most commonly used loan type to purchase a secondary or investment home, ...
04/05/2016
The FHA home loan program is a sometimes overlooked loan program, as many assume it might be a program just for first time home buyers or for those with less than stellar credit, but the program is a good consideration for many potential home buyers. This article lays out some of the unique aspec...
03/29/2016
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Bill Kamboukos

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