How New Debts Can Affect Your Mortgage Terms

November 28, 2011 By 1 Comment

New Debts Can Affect Your Mortgage Terms Fannie and Freddie (feel like I know them on first name terms) have recently strengthened their requirements for credit transparency. These guidelines can affect the terms of the mortgage you ultimately get. First, they are now requiring lenders to not only check your current credit report. They are … [Read more...]

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Avoid Mortgage Payment Scam

November 2, 2011 By Leave a Comment

Avoid The Mortgage Payment Scam in Long Beach An old scam is back again and you could be out one or two mortgage payments before you realize it.  One day you get a letter at your Long Beach CA home from a company that says they have taken over servicing your loan. They then instruct you to send your check to them from now on.  Dutifully you do … [Read more...]

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Long Beach CA: First Time Home Buyers Assistance

October 29, 2011 By Leave a Comment
12 Hellman St

Search For Long Beach CA Properties Here Long Beach CA NSP2 First Time Home Buyers  Assistance And the NSP2 Neighborhood Stabilization Program By Fred Sweezer Sr., Home Inspector,  562-234-2689 As a Long Beach CA  first-time homebuyer,  you may qualify for a second silent mortgage loan of up to $97,000 through NSP2. The program is … [Read more...]

Filed Under: Blog, Long Beach First Time Home Buyers, Long Beach Home Buying Finance, Long Beach Real Estate, Mortgages Tagged With: , , ,

Long Beach CA: New Credit and Your Mortgage Terms

October 19, 2011 By Leave a Comment
Mortgage Rates and Credit Checks

Before you searched for you look for you for Long Beach CA home you were likely pre-approved by a lender. Then after you found the home you sent them the address and the contract to purchase. From here everything should be routine. Right? Not necessarily. Fannie Mae and Freddie Mac have recently strengthened their requirements for credit … [Read more...]

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Will Closing Credit Card Accounts Make It Easier To Get A Mortgage In Long Beach CA?

October 16, 2011 By Leave a Comment
Credit Cards, Credit Score and Mortgage Loans

  Q. I have about seven credit cards with a total credit available of about $49,000. None of them has any balance. If I close half the accounts. will it make it easier for me to buy a home in Long Beach CA? A: Closing your credit card accounts will hurt not help your credit score. One of the criteria in calculating your FICO is how much … [Read more...]

Filed Under: Blog, Long Beach Home Buying Finance, Mortgages, Questions and Answers Tagged With: , ,

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