Articles

September 2014, Published on KeepingCurrentMatters.com

Informed consumers considering a home purchase today want to do the right thing and plan ahead. Many do not seek immediate professional guidance from a Realtor or a mortgage loan officer. Instead, they hunt for hours online, looking at numerous websites for available homes for sale. They also consult websites to ...

September 2014, Published on Inman.com

Know which scores mortgage lenders depend on to fund loans

Realtors often first direct their clients to get approved for a loan amount through their favorite lender. However, many of these clients feel betrayed, cheated and ...

August 2014, Published on RISMedia.com

We all know that when a person has a poor credit profile, he or she is less likely to buy a home. Many consumers remain without access to affordable credit and more importantly, no access to the American dream of homeownership. We continue to witness people's hard work being wasted to pay ...

February 2014, Published in OC Realtor Magazine

We can no longer afford to turn a blind eye on the millions of homeowners who lost their homes, and remain silent to wait for politicians, regulators, investors and lenders to magically turn the housing market around. It will never ...

October 2013, Published in OC Realtor Magazine

The FHA says your client could be eligible for a loan after “ONE YEAR” following any type of mortgage defaults, or even a full bankruptcy!                                                                               

John & Nancy Smith of Newport Beach, California worked hard all their lives and built a respectable fortune to enjoy in their retirement.  In their marriage of 52 years, they have diligently lived within their means and never purchased anything they couldn’t afford. They have never ever had a performance issue in meeting their financial obligations.  As evidence of their dedication to commitment, they have always maintained pristine FICO scores of 832 and 839 (FICO scores range from a low of 300 to a high of 850).  Their high scores allowed them to get the best market interest rates and lowest fees on all their real estate loans, which comprised the majority of their investments.

Prices are going up and most likely interest rates will catch up soon. It’s time to make that move to invest in real estate. However, you want to do the right thing and plan the move. So, you Google “credit score” and find a site that offers you a free credit score. Terrific! You get your score, and it is 760, and the site notes this score is in the “excellent” range, so you call your trusted Realtor and friend, to help you make that dream come true.

Inspiration can strike at anytime, in any place. This cliché couldn’t be any truer for Nabil Captan, creator of The Credit DVD Series. His creation, of what is now regarded as the most accurate DVD on FICO® scores available, was inspired by a late library book in ...