Mortgage Space

In this episode we get a chance to spend time with a good friend of mine and a great Real Estate Professional Bobby Chalhoub. Bobby has been in the industry for over 15 years with history in construction, project management, restaurant advising and real estate sales and flips. We have a robust discussion about end of 2023 and the prospect of an accelerated market in 2024. Real estate is expected to heat up! The Feds have made mention of potential Fed funds rate reduction in response to lower inflation. This could spell out better long term interest rates moving forward! Bobby can be reached at 661-487-1262 www.bobbychalhoub.com DRE #02018538

Sometimes you need to just pick up the phone!

Alex Daredia and I talk about daily disciplines that have catapulted his career to becoming a top agent with production that rival some teams! Cold Calling has been one of those disciplines.

As a student of Mike Ferry, he has been growing yearly when other agents have been floundering. He credits much of his "wins" to his coaching and desire to grow and develop with matrix to measure his performance.

He is a straight shooter and can be an excellent resource for you.

Alex can be reached at www.alexdaredia.com or by calling / texting 661-903-3183

License # 02035436 CA

Anselmo Moreno from Innovative Credit Solutions has been a leading industry expert in the world of credit scoring improvement, debt settlement and credit repair. His firm emphasizes the importance of credit education to reduce "repeat" offenders and "Make credit great...Again."

We discuss in this episode some really foundational topics like credit scoring models, starting credit, the difference between primary borrower, co-borrower, joint and authorized user accounts. We explore how credit scores will vary wildly between credit reporting score models like Vantage 3.0 and over 40 other models for credit. No wonder consumers are confused!

Additionally, we spend time going over how Anselmo and his team prepare clients to become "mortgage ready". This is a very specific set of parameters that mortgage lenders look for and automated underwriting systems prefer.

If you would like information on how to improve your credit, negotiate debts, develop a plan of action to become mortgage ready, anywhere in the United States, please visit: www.bakersfieldcreditrepair.com

#creditrepair #fico #creditkarma #firsttimehomebuyer #homeloan

In this episode we reconnect with my good friend and business partner Marvin Bush. An industry veteran Real Estate Professional. 

Topics include the economic experience of real estate during the pandemic and the radical shift we have been experiencing due to inflation. We also ask the question: "What are the biggest mistakes made by buyers and sellers?" 

If you would like to connect with Marvin Bush, he can be reached at 661-303-0776 and by email at [email protected] License #0179105

#pandemic #lockdown #real estate #money #homebuyer #sellyourhome #seller #inflation 

Marvin Bush from Premier Realty is an accomplished Real Estate Professional with over 25 years experience in both buying and selling real estate. His passion is listing and selling homes. We explore some important questions that need to be answered for most all sellers when listing a home. Price is only one piece of the puzzle, there are details that will help you to get top dollar for your sale and help you to have a smooth transaction. Should you remodel the house, replace the roof? Redo the kitchen? What if you have solar? If you have questions, please reach out to Marvin. He can be reached at 661-303-0776

I get the question all the time, "how much down payment do I need to buy a home? How much do I need if I would like to buy an investment property?" I answer these questions and break down the requirements by loan type and common expectations for primary, second home / vacation homes and investment properties. If you have questions, please call me at 661-496-9311 or email [email protected]

Common "Do and Don'ts" During the Home Loan Process and Escrow

In this episode we discuss the total cash to close. Many times, we can get caught up in the process but, at the end we really need to know how much money is needed to close and where to source it. We discuss the required down payments by loan type and some strategies on how buyers can save to get into a home. We discuss closing costs, its definition, seller credits or Interested Party Contributions and the importance of separating funds from day to day funds and your home purchasing funds.

In this episode we talk with Andrew McCormack. He is a Solar Educator with SunPower by Sun Solar. I have spoken with many solar companies and he is by far one of the best educated on the topic. We discuss the evolution of solar power on residential properties, the changes in the industry as it relates to how to 'go solar'. I also dive deeper into the aftermath of having solar on properties and how it affects lending. I breakout the details on how Fannie Mae, Freddie Mac, FHA, VA and USDA treat homes that are sold with solar. If you have questions, please reach out to Andrew McCormack at 661-241-0702

In this episode we talk with Andrew McCormack. He is a Solar Educator with SunPower by Sun Solar. I have spoken with many solar companies and he is by far one of the best educated on the topic. We discuss the evolution of solar power on residential properties, the changes in the industry as it relates to how to 'go solar'. I also dive deeper into the aftermath of having solar on properties and how it affects lending. I breakout the details on how Fannie Mae, Freddie Mac, FHA, VA and USDA treat homes that are sold with solar. If you have questions, please reach out to Andrew McCormack at 661-241-0702