Tag Archives: Contra Costa County

FHA to Change Allowable Seller Credit Amount?

FHA will propose to reduce the maximum allowable seller concession from its current level to one more in line with industry norms. Continue reading

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What Not To Do During Your Loan Processing

To some it’s obvious and to others it’s not, but the following items are critical during the loan process. Continue reading

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Standard Items Needed for Loan Approval

The following items are normally needed during the loan process. Continue reading

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How You File Taxes Matters

This video by Matt Steinmetz covers some details about how tax returns affect you qualifying for a mortgage loan. Continue reading

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Merry Christmas

This is me wishing everyone a Merry Christams and Happy Holidays with a bonus music track! Continue reading

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The Importance of Credit

This video goes over the importance of establishing credit and having good credit and at least 3 tradelines (open credit sources). Continue reading

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HARP Update II

The updates I received re:HARP loans are both incouraging and discouraging! They’ll raise you up and bring you down! Who knew loans could be so dramatic, like a Hollywood picture show! Continue reading

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Supports 21st Airlift Squadron

November 29, 2011 –Envoy Mortgage’s Vacaville, California office has initiated a office-wide volunteer charitable program to gather donations for members of the 21st Airlift Squadron from Travis Air Force Base. Continue reading

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HARP Updates- This May be Huge!

The refinance program for underwater borrowers has helped some but has also taken a lot of flack because of it’s limits. Well that may be no more!!!
Fannie Mae and Freddie Mac will be rolling out updated guidelines to allow borrowers to refinance regardless of how much they owe, their appraised value. Continue reading

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More Lenders Exiting in 2012 and Rates Getting Better

This video discusses the estimate from the Mortgage Bankers Association that the loan volume for 2012, industry wide will drop by 25%.  This will force more lenders, individuals and companies, to leave the industry.  The video also touches on where … Continue reading

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