RECENT BLOG POSTS
    If you are in an area that has a large concentration of condominiums, you may have heard the term “Non Warrantable Condo”.  So what exactly does this mean?   A “Non Warrantable Condo” is one in which the loan can’t be sold to Fannie Mae or Freddie Mac.  Below are some reasons why projects mig...
Posted 10 months ago
        FHA Streamline Refinance Mortgages will get a boost on Monday for FHA Mortgages that were endorsed on or before May 31st, 2009.  This MIP update will mark the 5th time in 4 years FHA has changed its MIP schedule.    The New Annual Mortgage Insurance Premium (MIP) will be 55bps regardless...
Posted almost 2 years ago
    I'd Like to Invite You to a FREE Live Webinar about Mastering the Fundamentals of Client Acquisition!Brought to you by Prospect Mortgage'sReal Estate Agent Learning (REAL) Program Wednesday, April 4, 201211 a.m. PT / 1 p.m. CT / 2 p.m. ET This webinar is hosted by industry expert and executiv...
Posted about 2 years ago
HARP 2.0:  Same Low Mortgage Rates with Unlimited Loan to Values The Government has announced a second version to it’s Home Affordable Refinance Plan (HARP 2.0).Although the initial HARP program helped some, it’s reach was much less than was originally expected.Loan Level Price Adjustments (LLPAs...
Posted about 2 years ago
Are Jumbo Loan Making a Comeback?   The underwriting is still tighter on jumbo loans than conventional or FHA financing, but lenders and investors are increasing their appetite for solid borrowers that are willing and able to fully document their income and assets.  Jumbo Loan Interest Rates are...
Posted about 2 years ago
Don't Wait to Lock Your Mortgage Rate!  You may have heard about the new Guaranty Fee that was passed by Congress at the end of December, 2011.  The Guaranty Fee for all GSE's, or Government Sponsored Enterprises was increased by 10bps in order to pay for a temporary 2 month extension to the payr...
Posted over 2 years ago
  Adjustable Rate Mortgage Rates are a bargain.  Unless you have been under a rock for the past few years, it is likely you have heard that fixed rate mortgages have been at record lows for a number of months.  However, what you may not have heard is that adjustable rate mortgages are at a barga...
Posted over 2 years ago
I thought this was an excellent post for homeowners worried about appraisals.  After all, we all hear the horror stories, and being in the business this is useful information I would share with consumers, in a way that they will understand.How To Prepare for a Home Appraisal You’ve just signed al...
Posted over 2 years ago
Housing and Mortgage Rates continue to dominate the headlines.  As 2012 begins, mortgage rates are at record lows and there are plenty of experts that are weighing in on where they are going in 2012.  The housing market finished strong and mortgage rates closed 2011 at some of the lowest points o...
Posted over 2 years ago
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Kiawah Island always amazes me no matter what time of year I visit.  Since 1996, my family has called Kiawah Island home.  Located approximately 30 miles from Historic Charleston South Carolina, Kiawah Island has become a favorite location for golfers, tennis players, beach goers, and nature lov...
Posted over 2 years ago
Rainmaker
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Chris Jones | NMLS # 130813| FHA | Jumbo Conventional | Lender

Vice President of Mortgage Lending
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