The 2018 mortgage market looks to be very exciting with changes, so far we have seen some that impact us directly in the Charlotte market Our communication with all parties in the purchase works because we have different mediums for all parties, from phone, email,...read more
LOCATION, LOCATION, LOCATION??? NOT ALWAYS - THE 3 REAL REASONS YOUR HOME WILL SELL FASTER! Location can’t be changed. here are three other things you can do now to sell your home faster. 1) CLEAN - Buyers love to see a clean home. GOOD TIPS: The front door and light...read more
Water leaking from your toilet tank will not only cost you money when it comes to your utility bill, but it can also cause water damage to your bathroom floor and premature wear of your toilet's internal workings. To find out whether your toilet tank is leaking, add...read more
Soapstone countertops combine beauty with utility! If a stone material can be called flexible, then soapstone is that material. Soapstone, actually a mineral known as steatite, is a somewhat rare stone that is made up of talc, a soft mineral, and magnesium among...read more
Getting Settled After Move In Day. The beginning of Fall brings a time of transition from the close of summer to new fall schedules. Many of your clients might be settling in to a new home. We wanted to reach out with tips for what happens after move in...read more
Fall and Winter Upkeep Tips With Fall now here and Winter not far behind, it’s a good time to think about your heating system before the weather turns for the worse. So here are a few quick tips to help you stay comfortable and safe this winter. First and foremost,...read more
Allen Tate Insurance is one of the fastest growing independent insurance companies in the Carolinas. As an independent agency, we offer a choice of products from a variety of the nation’s top insurance carriers to provide for and protect your family. Servicing over...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...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
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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