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Clearing Up Condo Confusion

Over the past few months, there has been a lot of questions about FHA’s changes in condo guidelines. The date has been a moving target, the modifications to the guidelines keep changing. So what is happening now? The biggest change in my opinion is that FHA will no longer allow spot approvals for condo project. This “permanent” change will happen on February 1st, 2010. What... [Read more]

Taming the Energy Beast-How to make “Green-ing” your home more affordable

When shopping for a home, many home-buyers are hesitant to purchase a home that may need some upgrades. Maybe the home has old, single pane windows, or an inefficient AC unit. These repairs can cost a lot of money. New homeowners don’t always have that in their budget. The FHA and the VA have home mortgages that can assist new (or soon to be new) homeowners in their quest to make their homes... [Read more]

Why a Loan Officer Can’t Close Your Mortgage in 2 Weeks Anymore

The last 2 years have seen monumental shifts in the mortgage industry, with loan officers moving their borrowers from sub-prime mortgages to FHA mortgages, elimination of stated income loans and general tightening of guidelines.  That is just the tip of the iceberg.  Within the past four months, massive changes to the mortgage industry have not only slowed the lending process, but may have also... [Read more]