vbrooks@realtracs.com
• Office: 931-572-1572 • Cell: 931-302-3162 • Fax: 931-572-1575
www.ronibrookshomes.com
SELECT A TOPIC
Financing Strategies
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There are so many types of mortgage loans available today, how do I know which one is best for me?
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How can I figure out how much I can afford to pay for a new home?
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I’m concerned I might not have saved enough money for the down payment. What can I do?
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What is the difference between loan pre-approval and pre-qualification? Which is more beneficial?
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My credit rating isn’t so good. Is there any thing I can do?
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When is it a good idea to look for an assumption?
Shopping For A Lender
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How should I go about looking for a mortgage broker?
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Are there any questions I should be sure to ask a potential lender?
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What do lenders look for in borrowers?
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Is it true VA loans are easier to get these days?
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Can you tell me about recent lending regulations that might help me find a lender?
Selecting A Loan
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Can you tell me some things I should consider when shopping for a loan?
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What happens if we get near closing on my new house, but my old house hasn’t sold?
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I’ve found the house I want, but it needs a lot of repair. Can I borrow money for both the mortgage and the repair?
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What are some creative loan options I might want to consider?
Applying For A Mortgage
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What practical steps can I take to improve my chances of getting a loan?
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Timing seems to be critical. Should I wait until interest rates drop?
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Will I have to get mortgage insurance?
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What, exactly, is escrow?
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What does it mean to be an A,B,C, or D borrower?
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What can you tell me about the debt-to-income ratio lenders use to qualify borrowers?
Loan Processing
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Will I be able to find out the results of the appraisal?
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If the price we offer on a house is higher than the appraisal, can we get our deposit money back if the loan falls through?
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What is a two-step mortgage?
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How does a 'no-cost loan' work?
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What do you advise in the event I’m turned down for a mortgage?
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How strict are lenders when it comes to credit standing?
Closing
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How much money should I plan to take to settlement?
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Once set, are settlement dates irrevocable?
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What can I do to prepare for a smooth settlement?
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What are my responsibilities before settlement, and what are the seller's responsibilities?
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What are the ways to hold title to a property?
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Why do lenders want a survey before settlement?
Special Topics
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Can you give me some help with understanding financing terms?
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Are FHA loans really assumable these days?
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When unmarried people buy a home together, what is the best way to hold title?
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What can you tell me about equity-sharing?
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