David's Blog

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Mortgage and Lending - Mortgages Unlimited - MUI NMLS #225504
My blog will try to provide you insights into mortgage lending, my prospectives into the real estate market and general information. I provide this based upon my 35+ years in the real estate, building and now for the past 20 years the mortgage industry.
RECENT BLOG POSTS
Both seasoned homeowners and first-time buyers know making the decision to purchase a new home is not one that is taken lightly. There are so many things to consider, from choosing a home with growth potential to finding a community to support a family's interests and lifestyle. While the decisio...
08/06/2014
The S&P Case-Shiller Index for April shows that while home prices continue to grow, they are doing so at a slower pace as compared to April 2013. The Case-Shiller 20 city index reports that home prices expanded at a year-over-year annual rate of 10.80 percent as compared to 12.40 percent in April...
07/30/2014
Those who are looking to buy a home may want to start by shopping for a loan first. Having financing ahead of time may make it easier to get sellers to take a buyer seriously and help move along the closing process. For those who are looking to get a mortgage, the most important factor for having...
07/30/2014
The FHA offers many new programs and incentives for new homebuyers to take advantage of so that they can be part of the effort to ease the credit crisis. If you are in the process of shopping for a mortgage prior to shopping for your new home, it can benefit you to learn about programs that you m...
07/30/2014
Distressed real estate is real estate in need of serious repairs. These properties are often called "handyman specials." If you have the skill or the money to complete the repairs, you can often find great deals. Here are some dos and don'ts of buying distressed real estate. DO Get A Home Inspect...
07/28/2014
The Federal Open Market Committee (FOMC) determined that current economic conditions warranted another $10 billion reduction in the Fed's asset purchases. Citing improvements in economic indicators including labor markets and national unemployment, committee members said that further tapering of ...
07/28/2014
You've decided to put your home up for sale. Now, how are you going to make the most money selling it and get it sold the fastest? Perhaps you should consider providing owner financing, also known as seller financing.  Why Isn't The Buyer Getting Bank Financing? Usually a buyer gets bank financin...
07/28/2014
There are many reasons why a mortgage loan could be declined. It doesn't have to be the end of your real estate dreams. Here are a few things to consider if you've been turned down for a mortgage. Loan-To-Value Ratio: The loan-to-value ratio (LTV) is the percentage of the appraised value of the p...
07/28/2014
You've found the perfect property and a great mortgage loan with the best interest rate you can find. What's next in the home buying experience? Signing the contracts and paying the closing costs. But what exactly are closing costs? Here Is A List Of The Most Common Closing Costs: Titling Fees - ...
07/11/2014
Sometimes, when buying - or even thinking about buying real estate for investment purposes, you're faced with the need to fix up the property.  The question then arises: Should I fix it up myself or hire it done? Unfortunately, no one can give you the right answer. However, there are a few questi...
07/11/2014
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