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Nick Caulfield G.R.I. Coldwell Banker Residential Brokerage
14225 S. 95th Avenue, Suite 451
Orland Park, IL 60462
Posted on December 6, 2017 - 01:59 pm
by Nick Caulfield
Mortgage Bankers Mortgage Bankers are lenders that are large enough to originate loans and create pools of loans, which are then sold directly to Fannie Mae, Freddie Mac, Ginnie Mae, jumbo loan investors, and others. Any company that does this is conside...
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Posted on December 6, 2017 - 01:59 pm
by Nick Caulfield
There really is no such thing as a no-cost mortgage loan. There are always costs, such as appraisal fees, escrow fees, title insurance fees, document fees, processing fees, flood certification fees, recording fees, notary fees, tax service fees, wire fees...
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Posted on December 6, 2017 - 01:59 pm
by Nick Caulfield
Have you received an advertisement offering to save you thousands of dollars on your thirty-year mortgage and cut years off your payments? With email spam becoming more pervasive as everyone tries to get rich quick on the Internet, these ads are popping u...
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Posted on December 6, 2017 - 01:59 pm
by Nick Caulfield
What kind of lender is best? If you ask a loan officer, "What kind of lender is best?" the answer will be whatever kind of company he works for and he will give you a list of reasons why. If you meet the same loan officer years later, and he works for a ...
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Posted on December 6, 2017 - 01:59 pm
by Nick Caulfield
An alternative to a non-conforming loan is the use of a land contract, which is allowed in some states. A land contract is an agreement between a buyer and a seller, where the buyer agrees to make periodic payments to the seller. The title to the property...
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Posted on December 6, 2017 - 01:59 pm
by Nick Caulfield
Have These Items Ready When You Apply For a Loan It used to be that lenders mailed out verifications to employers, banks, mortgage companies, and so on, in order to verify the data supplied by borrowers. Nowadays, the interest is often in speed and getti...
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Posted on December 6, 2017 - 01:59 pm
by Nick Caulfield
Years ago, credit scoring had little to do with mortgage lending. When reviewing the credit worthiness of a borrower, an underwriter would make a subjective decision based on past payment history. Then things changed. Lenders studied the relationship be...
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Posted on December 6, 2017 - 01:59 pm
by Nick Caulfield
When you apply for a mortgage loan, you expect your lender to pull a credit report and look at whether you've made your payments on time. What you may not expect is that they seem to be more interested in your FICO® score. "What's a FICO® score?" is a ...
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Posted on December 6, 2017 - 01:59 pm
by Nick Caulfield
When buying a home, it is not enough to just come up with the money. With the exception of no asset verification loans, lenders want to verify where the money for your new home will be coming from. If you can document that the funds are coming from your p...
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Posted on December 6, 2017 - 01:59 pm
by Nick Caulfield
This is a detailed summary of costs you may have to pay when you buy or refinance your home. They are listed in the order that they should appear on a Good Faith Estimate you obtain from a mortgage lender. There are two broad categories of closing costs. ...
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