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Connie Sanders's Articles

  • An FHA Mortgage, Be Careful About Your Lender
    What is really going on in the FHA Mortgage Market and why don't people seem to understand the mortgage guidelines? Find out why you must be carful when selecting your mortgage lender.
  • The Mortgage Process
    I have a web page that explains the mortgage loan process and I thought it was comprehensive but I get at least one question a day about the loan process. Perhaps it is unclear because many things actually happen in parallel.
  • CLTV, DU, & LP - What Is That?
    This article discusses a few political issues in the mortgage industry and covers the topics of CLTV, LP, and DU.
  • Someone Please Tell Me The Truth
    I received the following question from K.S. who lives in Antelope, California. I want you to know I get this question over and over. It is one of my pet peeves because there is absolutely no reason for it to be such a frustrating reality to so many people applying for a mortgage.
  • FHA Gift Programs
    FHA offers down payment assistance programs that make this loan very desirable to buyers with little cash. Even with out the gift or grant programs a buyer can usually get an FHA loan with as little as a 3% contribution. This means moneys applied to closing costs or down payment. It is a little more confusing than conventional loans but the interest rate is as good or better so it is definitely wo
  • Seller Concessions - What Is That?
    It is not uncommon for real estate agents, mortgage loan officers, buyers and sellers to inquire as to how much the seller is allowed to pay in contributions on a conventional mortgage loan in Georgia.
  • Does FHA Owe You Money?
    Remember the first mortgage you signed for, ... sitting at the table and looking at all the fees you were charged by so many different people, just to get your mortgage. It seems overwhelming. Have you ever noticed that they are always quick to take your money but v-e-r-y slow when it comes to providing a refund?
  • Refinance FHA and Lower Your Payments
    FHA mortgages have always been very good loans for the homebuyer. In today's market the FHA refinance programs offer maximum benefits to the homeowner that wants to lower payments or get out of an adjustable rate mortgage.
  • Appraisals - Dont Sell Yourself Short
    If you are selling your home with OR without a real estate agent you should get an appraisal before you decide on the selling price. I remember a retired couple that set their selling price based on the agent's analysis. Their home sold in three days! When the appraisal came in it was $20,000 above the selling price. An upfront appraisal will protect your equity and be well worth the cost.
  • For Sale By Owner Advice
    In today's market "for sale by owner" may be the best way to sell. Trust me, it doesn't take a rocket scientist to be successful at selling your own home. The information in this article may provide you with in-site you may not have had before. You can do it yourself!
  • Open House - Remember To Do These Things
    If you are a For Sale By Owner or if you have your home listed with a real estate agent you will probably want to conduct several open houses so people can view your home. You only get one shot at every potential buyer that views your home so you want to do it right the first time.

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