• Ryan, “Felt No Pressure .. And Always Helped Me Make The Right Choice” | Testimonial

    Ryan, “Felt No Pressure .. And Always Helped Me Make The Right Choice” | Testimonial The GreenHouse Group And THATS what we love to do: meet great people, and help co-create great things, and leave them better than how we found them. If you are wondering whether now is the right time to own a home of your own, and want to make sure that you get the right team to help you get there, perhaps this sounds like something you might want to talk to us about. If so, feel comfortable contacting us at 858-863-0261. This was done with the help of Jesse Ibanez, Craig Sutliff as REALTORS, all from The GreenHouse Group in San Diego,

  • Customer Experience vs. Customer Service In The Mortgage Industry

    Aug 14, 17 • Huggy • Home Buyers, Purchase Loan, RefinancingNo CommentsRead More »
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    by Craig Anderson | 03 Aug 2017 | Customer experience vs. customer service in the mortgage industry Customer experience is a term that shows up everywhere in today’s business marketing.  It’s a “must have,” “the single most important factor” and “if you don’t master it, you’re dead.”  Most experts agree, customer experience is the most important differentiator a company can possess to gain a competitive advantage. But, does anyone really even know the difference between customer experience and customer service?  As long as the customer is happy we should be good, right?  And, don’t most companies have a designated customer service department to handle their customer issues, complaints and general inquiries? Defining the differences Customer service can simply be defined as, “what’s my business doing to help solve my customers’ issues,” while customer experience can be defined as, “how is my customer feeling or what are they thinking every single time they interact with my business?” Now, let’s put these into perspective with the mortgage industry. Rocket Mortgage is often thought to be one of the first in the industry to implement a customer experience program. When they introduced their ‘push button mortgage’ concept, they focused on technology to simplify the mortgage application user experience. Instead of the applicant having to manually type in all of their employment and banking information, the system would retrieve the information and auto-fill the application form

  • [FOR SALE | CARLSBAD] 1393 Oak Ave, Carlsbad, CA 92008

    Aug 8, 17 • Boney • Featured, Featured PropertiesNo CommentsRead More »

    “RARE Family Home w/ Ocean Views Perched Atop Olde Carlsbad Overlooking The Village.” WHAT WE LOVE: *Coveted beach community offers blue water views w/ coastal breezes, quintessential architecture known for already open floor-plans & great natural light throughout *4/2 w/ HUGE “finished basement-style” family room, yet above ground w/ interior staircase, separate entrance, bath & kitchenette. *Oversized, detached structure in backyard – ideal for workshop, yet still allows the yard plenty of room for play!

  • New Guidelines = You Qualify for More Home

    New Guidelines = You Qualify for More Home

    Have you been pre-approved but not for enough to buy the home you want?  Well, new guidelines recently released mean you may qualify for a bigger loan than before. Of course, this isn’t’ appropriate for everyone.  But if you have been in a situation where you were hoping for just a little bit more purchase power, you might be in luck.  Recent changes are now letting borrowers qualify for larger loans (relative t their income) than before.  They’re doing this by expanding something called the DTI cap.  That’s basically the relationship between your income and your debts.  Standard expectations were previously set at 45% for conforming loans.  But they’re now pushing that upto 50%.  For example, depending on your income, that could be an increase of 50k or more! Two things to consider You still need to be comfortable with your payment.  So doing the math and affordability calculations with me is critical. Getting a FULL pre-approval (like we do here at the GHG) is vital to making this work. If you’d like to learn more about expanding your purchase power simply click here and shoot me an email.  Or you can call me directly for a quick chat. Jeremy Beck 858-863-0262 Co-Founder / Mortgage Planner

  • Sheldon says, “(GHG) Best Group Of Folks To Work With!” | Testimonial The GreenHouse Group

    Sheldon says, “(GHG) Best Group Of Folks To Work With!” | Testimonial The GreenHouse Group http://www.TheGreenHouseGroupInc.com And THATS what we love to do: meet great people, and help co-create great things, and leave them better than how we found them. If you are wondering whether now is the right time to own a home of your own, and want to make sure that you get the right team to help you get there, perhaps this sounds like something you might want to talk to us about. If so, feel comfortable contacting us at 858-863-0261. This was done with the help of Jesse Ibanez, Carmen Harris as REALTORS, all from The GreenHouse Group in San Diego,

  • FUNday Monday Winner’s June & July 2017 ARE…..! The GreenHouse Group

    Aug 1, 17 • Boney • Our Team's CultureNo CommentsRead More »

    Want to participate in next month’s FUNday Monday Quiz?: http://bit.ly/FUNdayMonday AND THIS MONTH: invite a friend and your vote counts as 2 votes! “FUNday Monday Winner’s for June & July 2017 ARE…………….” Funday Monday is a monthly game put on by Jesse Ibanez from The GreenHouse Group in San Diego, CA. Real Estate Consultants & Mortgage Planners. To learn more about us and how we might be able to help you the next time you buy or sell a home, check us out @ http://www.TheGreenHouseGroupInc.com

  • Jennifer & Robert “From Day 1 To Dream House” | Testimonial of The GreenHouse Group

    Jennifer & Robert “From Day 1 To Dream House” | Testimonial of The GreenHouse Group http://www.TheGreenHouseGroupInc.com And THATS what we love to do: meet great people, and help co-create great things, and leave them better than how we found them. If you are wondering whether now is the right time to own a home of your own, and want to make sure that you get the right team to help you get there, perhaps this sounds like something you might want to talk to us about. If so, feel comfortable contacting us at 858-863-0261. This was done with the help of Jesse Ibanez, Craig Sutliff as REALTORS, all from The GreenHouse Group in San Diego,

  • HELOC alternative – No Payments for 30yrs

    Jul 11, 17 • J.Beckistan • Loan Programs, RefinancingNo CommentsRead More »
    HELOC alternative – No Payments for 30yrs

    Alternatives to HELOCs and Reverse Mortgages.  What if I told you that you could borrow money, and not have any payments due for 30yrs?  Too good to be true right? Well maybe not! We now have new loan program allows home owners to use the equity in their home, get cash in hand, and not owe any payments.  This is not a new program, but it hasn’t been available to most people for a very long time.  Basically it works like this –  The lender writes you a check based on the equity you have in your home.  Then you do not need to pay it back until you want to, or you sell your home.  In exchange the lender shares in the increase (or decrease!) in your home value.  If your home goes down in value, you could end up owing no more than the cash you were given.  If it goes up, you would pay only a portion of that increase, relative to the amount you borrowed. They also take into consideration improvements you make to the property.  In other words, if you add a bedroom to your home, that increase in value is excluded from your repayment calculation. In a way, you can think of this as the reverse, of a reverse mortgage. It’s no doubt that you have many questions about this.  Just like a

  • Assets Can Be Used For Qualifying Income

    Much of the housing news reported focuses on inventory and credit guidelines.  In case you haven’t noticed housing inventory is low and credit guidelines are tight.  These two headlines show up all the time and for good reason.  In many markets they are both true. With interest rates still low and home prices rising in a majority of markets many homeowners appear to be hanging on to their homes.  This could be to try and time the sale of their home to coincide with a market peak or they realize that if they do sell their home for top dollar they will be turning around to buy in a market with scarce homes available and paying top dollar as well. The gap between income and home affordability can be a hard one to bridge and for many potential home buyers it is out of reach due to increasing prices and a tight credit market. One story I don’t see reported much is that lending volume is down considerably in 2017 and lenders are looking for ways to increase loan applications while not taking on too much risk.  That line is not an easy one to draw so instead of re-writing guidelines or coming up with something altogether new lenders will typically enhance an existing guideline to cast a wider net in an effort to capture more potential borrowers. Whenever

  • [FOR SALE | ESCONDIDO] 1024 S Juniper St, Escondido, CA

    http://www.1024sjuniperst.com/ Here is a sneak peek at what is coming to the market. For more information on how you can purchase this home, contact Jesse Ibanez by going to the link above!!

The GreenHouse Group, Inc. | Real Estate Consulting & Mortgage Planning. "Moving People With Purpose."

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