The mortgage market is ever changing, several years ago many changes went into effect that affected many people in qualifying for a loan. Most of the changes that were implemented were needed, some made it so good quality clients could not purchase homes. In the...read more
Over time, minerals suspended in your incoming household water supply can settle to the bottom of your water heater and build up quite an accumulation. The harder your water, the more quickly this can happen. For gas water heaters, in particular, with burners on the...read more
Things to Do This Summer in Charlotte Looking for things to do this Summer in Charlotte? Summer is a busy time and the perfect opportunity to spend some time outdoors with your loved ones. The Queen City offers plenty of opportunities for both locals and visitors to...read more
Top 10 Restaurants in North Charlotte We are often asked by clients who are relocating to Charlotte, “Where should we go out to dinner?”. Lucky for us working in real estate means we are always out and about around the Charlotte area. While this can be hard on our...read more
5 Great Charlotte Suburbs To Live In While Charlotte, NC is often rated one of the best places to live in the US, city living isn’t for everyone. Some people thrive in the hustle and bustle, but others would rather call somewhere more low key home, as long as the city...read more
How Much Is My House Worth? A Quick Guide To Pricing Your Home While price isn’t the be-all and end-all of a real estate transaction, it’s definitely one of the aspects that carries most weight. Pricing your home correctly is as crucial as it is tricky. On the one...read more
Getting The Timing Right: When's The Best Time To Sell? While there’s really no wrong time to sell a house, there’s a greater likelihood you’ll close during certain periods of the year. Spring often comes to mind. There’s just something about the general atmosphere it...read more
How To Buy A Home When You’re Not Married While buying a home with your significant other before you tie the knot has several advantages, it’s not without its pitfalls. It’s true. Buying a house and turning it into a home is stressful. So getting it out of the way...read more
The mortgage market is ever changing, several years ago many changes went into effect that affected many people in qualifying for a loan. Most of the changes that were implemented were needed, some made it so good quality clients could not purchase homes. In the recent months there have been some changes that were good common sense decisions.
Fannie Mae and Freddie Mac will now allow debt to income up to 50% VS prior 45%
Appraisal valuations can hit on purchase loans so no appraisal needed in some cases
Possibility of 1 year tax returns for self-employed borrowers
A customer might not have to provide any income verification if there company reports to “The work number”
Student loans can now use a payment of “Zero” if they are on an income based payment plan
Jumbo loans up to 90% LTV
In the coming months the agencies will also be enhancing there “Day One Certainty” which will allow more clients to qualify and have a much more streamlined process to get a mortgage!
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