Ruby talks about the realities of credit pulls when applying for a mortgage AND explains the difference between a Hard Pull or Hard Inquiry and a Soft Pull.Read More
There's been a lot of hullabaloo about the new conventional conforming Loan Level Price Adjusters and here Ruby talks about what's real, what matters, and what doesn't.Read More
StepUp let's you buy your new home, qualifying on that payment only THEN list and sell your previous home. Here Ruby discusses the program, what the process is, and what it costs on a million dollar purchase.Read More
Don't get caught accidentally sabotaging your financing while you're out looking for your dream home! Remember the 10 commandments of financing!Read More
Making your offer stand toe-to-toe with cash offers shouldn't cost an arm and a leg. Let's take a look at the fees associated with our Fast-as-Cash program which is designed to help your offer stand out, head and shoulders above the rest (and maybe even save you from escalating above other offers).Read More
Yeesh, you could make a statement about rates this week and you'd be correct... Down, then back up, and every which way between. Here Ruby talks about why and reminds shoppers that because rates fluctate be sure to check in to see where rates are when they find a house they'd like to make an...Read More
The rules have changed when it comes to medical debt being sent to collections and what types of medical collections show up on credit. The only problem is that the stuff on credit is coded the same as any other collection so it might not be dropping off the way it should be. Here's what...Read More
When applying for credit your application will be looked at in four parts, referred to as the 4 "C"s of Finance; Capacity, Capital, Credit, and Collateral.Read More
We are so excited to be able to offer creative solutions to our clients and this one's no different. Cash offers and bidding wars are back! Normally that means absurd escalations but with our Fast as Cash program you can offer a contingency free offer, closing in as little as 10 calendar days. What are...Read More
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