Chad Scoggins's (cscoggins) Blog

Mortgage and Lending - BB&T
Home / Real Estate  What is in the numbers? Chad Scoggins Have you ever wondered what your credit score meant? How it affects your ability to qualify? Do inquiries hurt you score? Before we dive into the true meaning of the credit scores, we need to do a little catching up on where these scores c...
Absolutely! Even if you haven't so much as picked out houses to visit yet, it's important to see your mortgage professional first. Why? What can I do for you if you haven't negotiated a price, and don't know yet how much you want to borrow?When I pre-qualify you, I help you determine how much of ...
What type of letter is needed?LOAN ARRANGER After you've done the research needed to learn all the latest trends, mortgage jargon and interest rates, you may discover that you have to figure out what type of letter will be required by a seller. There are three types of mortgage letters: the pre-q...
My ARMs are getting so tired!Loan arranger While a 5/1 adjustable rate mortgage (ARM) may have allowed homebuyers to buy more home and keep payments down, that is not the case anymore. Over the last two years, the savings gap between fixed-rate mortgages and ARMs has diminished. Just three years ...

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