KERIN REALTY EDUCATION 101

When it comes to buying and selling houses, you should check out these video’s to learn more about the process which can make life a whole lot easier!  You will learn what are the first steps in buying a home,  how you can use a VA loan when buying a home and the impact your credit report has on buying a home. 

Myth to Pulling Credit Report Multiple Times

By Kerin Clarkin | September 15, 2017 | 0 Comments
When looking for a new home, and trying to get pre-approved, you can have your credit pulled multiple times

    MYTH TO PULLING CREDIT REPORTS MULTIPLE TIMES So you are ready to buy a house, and you want to get the best interest rate possible but you’re afraid to go to multiple lenders because you think it may hurt your credit score.  The truth is, credit bureaus allow you to have your credit…

Hospitality Tips

By Kerin Clarkin | September 15, 2017 | 0 Comments

  If you are in the Hospitality Business Where you Work for Tips, you Need to Claim your Tips when Filing for your Tax Returns When buying a home, claiming your tips will help you qualify for a mortgage. Lender’s look for 2 years of tip income on your tax returns, pay stubs, etc. If…

Changes to Student Loan Guidelines

By Kerin Clarkin | September 15, 2017 | 0 Comments
Howrecent lenders calculate student loans when qualifying for a mortgage

      How Recent Lenders Calculate Student Loans When Qualifying for a Mortgage Freedom mortgage follows the minimum guidelines, one important change is that Fannie Mae is allowing lenders to use income base repayment plan payment as your qualifying payment….Before, it was 1% of the balance of your student loan.  There are different rules…

Estimated Mortgage on Zillow

By Kerin Clarkin | September 5, 2017 | 0 Comments
If you find a house you really like, call Rob and get pre-approved before you start looking for a house! Contact Robert Digiore at robert.digiore@freedomMortgage.com or call at 813-504-8593.

Why You Shouldn’t Use Zillow to Get an Estimated Mortgage There’s two things you need to know, the estimated mortgage is based on 20% down, not knowing if the house requires a CDD or HOA and based on an interest rate which is probably not going to happen. Most buyer don’t put 20% down, and…

VA Requirements

By Kerin Clarkin | September 5, 2017 | 0 Comments
Military buyers don't know about some of the VA requirements other than inspections and apprasals, but if you have a septic or well water, you may be responsible in paying for this inspection to VA standards.

An Inspection that the VA does not cover A lot of military buyers don’t know about some of the VA requirements other than inspections and appraisals, but if you are interested in purchasing a home with a septic or well water tank, you may be responsible in paying for this inspection to VA standards. If…

Pre-Contract Underwriting

By Kerin Clarkin | September 5, 2017 | 0 Comments
Rob explains the importance of getting pre-approved before looking for homes.

IMPORTANCE OF GETTING PRE-APPROVED BEFORE LOOKING FOR HOMES Rob explains the importance of getting pre-approved before looking for homes. Freedom Mortgage does what most other lenders don’t do, we do an underwriting pre-approval before you are under contract. Rob can send your loan to underwriting, at no cost to you, to review your income, credit…

The Truth Behind Zillow

By Kerin Clarkin | August 15, 2017 | 0 Comments
Have you ever used Zillow for Zestimate's on your house before you sell it to see what your house is worth? Educate yourself by watching this video and I will educate you on The Truth Behind Zillow and give you tips of what to look for.

  When getting an estimate on your house, do not get a Zestimate using Zillow. Contact the Actual Listing Agent MLS (Multiple Listing Service) are listings listed by realtors and other realty professionals that Zillow uses to get their listings.  When buying a home and you’re using Zillow, beware of fake listings!  Anybody can go…

Credit Score 101

By Kerin Clarkin | March 1, 2017 | Comments Off on Credit Score 101

Learn more about Credit Score 101 and what the banks are looking for.  Make sure you keep up with this topic since the credit score requirements can change which can affect your credit score as well!   How to repair my credit and improve my FICO Scores It’s important to note that repairing bad credit…

The Truth Behind VA Loan & Down Payments!

By Kerin Clarkin | March 1, 2017 | Comments Off on The Truth Behind VA Loan & Down Payments!

Yes, it is true! There is ZERO down payment with a VA Loan!  But did you know that you may still have to pay Closing Cost, Home Inspection & Appraisal?  You don’t hear about this when you see advertisements marketing ZERO % down!  Well, this is the truth and KerinRealty & Freedom Mortgage will show…

Student Loan Affects Mortgages!

By Kerin Clarkin | March 1, 2017 | Comments Off on Student Loan Affects Mortgages!

Learn More about How your Student Mortgage can affect you buying a house and how to get ready! With KerinRealty & Freedom Mortgage Buying Your First Home: Dealing With Student Loans It’s different to be a first-time home buyer as compared to an experienced one. First-time home buyers often skew younger then the general home-buying population which…

Pin It on Pinterest

Share This