refinance
FHA and Conventional Loan Comparison
http://www.realpro.la FHA Financing and the buyer’s closing costs. The REALPRO for Windows program will accurately calculate these details for you, the real estate or mortgage loan professional, and your client. http://www.realpro.la/ The down payment, loan, total payment and closing costs are calculated, including the APR
REALPRO is the only computer/software made exclusively for the Real Estate/Lending Industry to give you exact figures – anywhere you need them! Throw away your pencils, papers, calculators and charts!! REALPRO answers your client’s financing questions in a matter of moments … and prints them out, too!
The REALPRO System is preprogrammed to calculate these important functions and is the best way of plugging into the information that keeps you at the cutting edge of the Real Estate/Lending Industry.
Loan Rep Advantages
Calling on Real Estate Offices
* Prequalify borrowers in seconds whether in your office, the real estate office, or out in the field
* Quote in print – any loan, FHA, VA, Conventional, whether fixed, adjustable or graduated payment – in seconds, along with a buyers cost sheet, without ever looking up a chart
* Amortize your various loans when asked, without complicated charts
* Prequalify homes for your real estate agents so they know what income to look for when holding an open house
* Enhance your professional image so that agents have enough confidence in you to involve you in the transaction
* Show the type of instant service and professionalism you can offer
* Be more impressive than your competition and have Realtors choose you!
Working With Borrowers
* Print financing options & PITI (& PMI, if applicable) on any loan in moments
* Buyers costs itemized & printed with automatic title, escrow, credit report, appraisal & recording fees and more
* Prequalify clients so you know what properties you can show them
* Impress them with your professionalism so more choose you to be their agent
* Prequalify your borrowers under several loan options in moments and allow the client to pick the best loan for themselves
* Show first-time borrowers a Buy vs. Rent justification so that they understand the value of home ownership after monthly tax savings, principle paydown and appreciation
Refinancing
* Show clients their refinancing options in seconds, whether theyre interested in cash back or break-even terms
* Prequalify clients in seconds so that you know you have a viable transaction
Working With For Sale By Owner Clients
* A great way to pick up additional business is to show For Sale By Owner sellers that you can be a valuable asset in determining if their borrower is qualified.
YOU can do what they cant!
Duration : 0:7:28
The Importance of Credit When Applying for a Mortgage – Austin Niemiec Quicken Loans
Hi my name is Austin Niemiec, I’m a Senior Mortgage Banker at Quicken Loans and I’m here today to talk about the importance of credit and the effects it has on applying for a mortgage.
So to begin, credit simply can be defined as a tool or a measure that companies like ourselves use to determine how likely you are to pay back a loan on time. There’s a lot of different factors that go into your credit and your credit profile.
Some of the main ones are the amount of credit card debt you have, how consistent you are on your payments in your mortgage, auto loans, student loans and there’s also a section for public record, such as bankruptcies, foreclosures, charge-off judgments that can have a derogatory effect on your credit score.
What is a good credit score?
In today’s lending environment, anything over a 740 is considered excellent or platinum. The average American has a credit score of around 680 and we can even lend as low as 580 in some cases.
Why is credit important when applying for a home loan?
It’s very, very important that your mortgage expert has an accurate, up-to-date credit profile when quoting you a mortgage rate. It’s going to affect the exact program, it’s going to affect the exact interest rate, it will also affect positive and negative pricing adjustments on your loan. So, to get an accurate quote, you need to have an up-to-date credit profile.
As a consumer, it’s very important that you know what’s going on in your credit world. There may be some small collections that you may not be aware of that pull your score down dramatically. There’s a very good website you can visit, and it’s free of charge, is Quizzle.com. It will give you a free peek at your credit report, it will also give you some advice and recommendations of how to get up to that top level or that top tier.
Any other questions can be directed to your mortgage expert, they’d be happy to elaborate further. Thank you.
Duration : 0:2:25
Mortgage Divorce Decree – Steve Chandler Quicken Loans
Hi, my name is Steve Chandler. I’m with Quicken Loans and I’d like to take a few minutes of your time today to explain the reasons why we might be requesting your divorce decree as one of the required documents in order to close on your loan. Here it is basically, in a nut shell — we certainly understand that there’s a lot of sensitive information contained in a divorce decree and we’re certainly not asking for it just to spy on your or look into your personal business, but there’s really some important information in there that helps us to better understand the entire profile of the loan.
One of the main things (and really there’s two components of this) is that first of all, often times in a divorce there’s a marital home that was involved in the divorce. When the ex-spouse leaves that home they’re usually entitled to a certain amount of equity in the home (moneys owed to them). And what we do if that’s the case is we basically need to review the divorce decree so we can take a look and find out how much is owed. If we can’t see it directly we usually send out a document for the ex-spouse to sign and also agree to what the payoff might be.
The other reason is that there could be alimony or child support payments that you could be responsible for. We need to know that. It’s just basically so that we have a complete picture of your loan and complete picture of how much money you have going out in terms of liabilities.
So those are the two main reasons why we need your divorce decree. In the event you are asked for that document, understand that we’re doing it for your best interest. Thank you very much. I’m Steve Chandler, this is Quicken loans — have a great day!
Duration : 0:2:18
Adjustable Rate Mortgage Questions Answered – Kent Wenzel Quicken Loans
Quicken loans Mortgage Banker, Kent Wenzel answers the two most frequently asked questions regarding ARMs (Adjustable Rate Mortgages).
Duration : 0:2:4
Quicken Loans Refinance Lousiana – John Moga Mortgage Banker
Quicken loans client John, from Lousiana, discusses how his banker, John Moga, helped him through a sudden divorce. John’s banker called him after every court date to check in and he updated him about custody agreements and property settlements. After the property settlement papers were signed, John called his banker and he was approved for the loan fifteen minutes later. From communicating with the client care specialist to setting up dates for closing, John’s expererience with Quicken was the most pleasant and easy he’s ever dealt with at the commercial level.
Duration : 0:3:27
Quicken Loans Refinance — Frank Salinger Mortgage Banker
Quicken loans clients Peggy and David have refinanced their home several times with Quicken Loans. They love the fact that the closing takes place in their home. Frank Salinger, their mortgage banker, promptly answered any question they had about their mortgage process. Peggy and David are life time customers of Quicken Loans and recommend them to anyone looking to refinance or purchase a home.
Duration : 0:2:18
Quicken Loans Mortgage Insiders — Ian Russell Mortgage Banker
Holly and Mike from New York, discuss in this video review how Quicken Loans and Ian Russell helped them refinance their home.
My QL made understanding where they were at in the process very easy. It told them what documents they needed to turn in and what they had already sent in so far. They loved the fact that they could e-sign their documents, which made it simple and quick. “It was like home loans for dummies.”
There were no surprises. Holly and Mike previously had a 10.5% rate and were able to lock into a 5% rate with their refinance through Quicken loans.
Ian Russell, their mortgage banker, helped them every step of the way.
Closing was done in the comfort of their home and took place at a time that was convenient for them. Holly and Mike recommend Quicken Loans and Ian Russell to anyone looking to refinance their home.
Duration : 0:2:55
Quicken Loans Refinance — Greg Lundgren Mortgage Banker
Quicken Loans client Sharon from Georgia, discusses her refinance process in this video review. Sharon contacted Quicken loans to get her home refinanced but soon after her home was hit by a tornado. Greg Lundgren, her mortgage banker, worked with her through the time it took to get her home repairs done till closing! Greg made sure the process was as easy as it could be and kept Sharon informed throughout the entire process. Sharon recommends Quicken Loans and Greg Lundgren to everyone looking to refinance their home!
Duration : 0:3:54
Quicken Loans Refinance — Mortgage Banker Rick Harvie
Quicken Loans client Julie from Washington, discusses in this video review how Quicken Loans and her banker Rick Harvie helped her refinance her home. Julie was amazed at how great the process was and how quickly it went. She recommends Quicken loans and Rick Harvie to anyone looking for to refinance or purchase a home!
Duration : 0:1:41
Refinance Auto Loan
http://autoloan1.info
Refinance Auto Loan ,Auto,Car,Autos,Cars,Loan,loans,Credit,Finance,refinance,re-rinance,hire purchase,lease,leasing
Duration : 0:1:1
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