J Ho's (rhoover) Blog

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Mortgage and Lending

ARCHIVED BLOG POSTS

2007 

These six tips were put out several years ago when the market favored sellers more than now, but the basic principles are valid.   1. Humanize yourself     In a multi-offer situation, make yours shine brighter than the rest. Consider submitting your bank statement with the offer so the seller see...
07/31/2007
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So you're in the market for a mortgage. After hearing about all the options and products, your head is probably spinning. If that weren't enough, after you pick your mortgage you then have to decide whether to pay points, and how many. What is a point anyway? Points are prepaid interest. One poin...
07/30/2007
We're all bombarded by countless offers for the best deal when it comes to obtaining a home loan.  This one promises the lowest rate.  That one touts the lowest fees.  Another boasts price guarantees.  Unfortunately, claims that seem too good to be true may be just that-not the whole truth.  So h...
07/19/2007
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Has this ever happened to you?        You're a Realtor.  A prospective home buyer calls you for an appointment to look at properties.  He tells you he has been pre-approved.  You ask him by whom, and he gives you the name and number of a mortgage lender or broker you never heard of before.  You c...
07/17/2007
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How Your Credit Score Can Affect Your Ability to Finance a HomeWhether you are a first-time home buyer or you are planning to refinance your existing home loan, it is important to understand how your credit history influences the process.  When you are being considered for a loan, the lender look...
07/16/2007
Here's news you need to know ... and you need to let all your family, friends, clients, colleagues and business partners know right away as well:  Your information is a hot commodity. The credit check is an important and necessary step in the home buying process, but few people realize that each ...
07/16/2007
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