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Listen "Primary Interview with Loan Originator / Branch Manager TJ Roberts - "
Episode Synopsis
Want To Learn About Lending Issues in this Housing Market? Use These Real Estate Loan Strategies and Techniques to Achieve Smoother Home Sales.I have been interviewing real estate industry experts for 25 years.During that time, I have shared tips, mistakes, and examples from industry leaders. TJ Roberts has mastered all residential real estate lending levels for over 25 years. She has invested so many hours into her craft that I must share her knowledge with you.Topic #1: Fixed Rate vs. Adjustable Rate Home LoansThree different types of lenders:BanksMortgage BrokersPortfolio LenderTopic #2: Representing HomebuyersSeller Concessions:Seller ContributionsBuying Down the Interest RatePre-Paid Interest = PointsClosing Costs Alternative to Lowering List PriceTopics #3: Buydown the Interest RatePermanent Buy DownTemporary Buy Down Available on Fixed or Adjustable Loans Topic #4: Types of LoansGovernment LoansVeteran Home Loan BenefitConventional LoanJumbo LoansConventional LoansTopic #5: Mortgage Insurance Monthly Mortgage Insurance (MMI)Private Mortgage Insurance (PMI)Not a Penalty. It is a Real BenefitTopic #6: Interest Rate LockWhen to Lock the Rate30, 45, or 60 DaysTopic #7: Seller Contributions for SellingIncrease Buyer PoolFewer Days on marketBetter than Price ReductionsIn a Rising Interest Rate MarketWhat Closing CostsTopic #8: Loan Application ProcessHard Pull Credit ReportsSoft Pull Credit ReportsOpt-Out WebsiteSecured PortalLoan ProcessorLoan UnderwriterTopic #9: AppraisalsEstimate of ValueTrailing IndicatorRecent Closed SalesBracketed ValueTopic #10 MoniesEarnest Money DepositBalance of Down PaymentTopic #11: The Escrow ProcessEscrow OfficeEscrow OfficerTitle OfficerTitle InsuranceTopic # 12 Gift MoneyChange in GuidelinesBorrowing from 401KOverseas FundsTopic #13: Condition of PropertiesPresale inspections and RepairsVeteran's AdministrationLenders follow the ContractEscrow HoldbackTopic #14: Mobile vs. ModularCity CharterEntry LevelExit HousingLending DifferencesSpace Rent Type of FoundationConsumer Loan in ParkReal Estate Loan on Land OwnedTJ Roberts, Branch ManagerMortgage Loan Officer 1457455Email: [email protected]: 408-660-3484Direct: 408-802-85221Host: Realtor® Pat Kapowich Realtor Pat Kapowich isn't just any agent; he's a Certified Trust and Probate Specialist, a Certified Real Estate Brokerage Manager, and has been a staunch advocate for consumer protection throughout his career. Rooted in the vibrant heart of Silicon Valley, Pat operates out of his hometown, Sunnyvale, California. Reach out to his office at 408-245-7700 or drop him an email at [email protected]. License: Broker# 00979413. For up-to-the-minute housing market data tailored to your locality, access Pat's website for complimentary, real-time pricing and trend insights: https://www.siliconvalleybroker.com/market
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