Archive for the ‘Uncategorized’ Category

  • Have Student Loans? The Rules Have Changed

    I may have just missed the student loan debt explosion when I graduated with my undergrad degree in 1998.  While college was expensive to attend twenty years ago, we were all borrowing money to get an education, it was nothing compared to the amounts borrowed during the college financing boom of the last fifteen years. Nowadays young people are in record amounts of debt the moment they are handed a diploma which means starting off their earliest earning years with essentially a thirty year mortgage to pay back.  College ain’t what it used to be and many times all this borrowed money is for a degree that yields earning power guaranteed to tie up their income for the better part of their career. The student loan income-based repayment plans have been a help to many people.  These plans allow monthly payments to be calculated based upon a person’s income which give people a fighting chance to start paying back their loans and be able to eat as well.   This is a big deal for those just starting out but there are at least two challenges tied to this calculation.   First, the debt will take that much longer to pay off and second when you go to apply for a mortgage the bank approving your application will hit the person for up to 1% of the balance of the

  • Beware of Poor Home Flips! Lurking in the Kitchen

    Beware of Poor Home Flips!  Lurking in the Kitchen

  • FUNday Monday Winner For January 2017 IS…..! The GreenHouse Group

    Jan 30, 17 • Boney • Uncategorized1 CommentRead More »

  • FUNday Monday Winner For November 2016 IS…..! The GreenHouse Group

    Nov 28, 16 • Boney • UncategorizedNo 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 For November 2016 IS…………….” 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

  • Week 2 – FHA Rates & MI

    Nov 28, 16 • Fat Ashton • FHA Loans, Loan Programs, UncategorizedNo CommentsRead More »

    Week 2 – FHA Rates & MI As we move another week into the series comparing loan programs, we continue to explore the Pros and Cons of FHA. This week, in this video, i talk a little bit about the rates that are generally associated with FHA financing, as well as the Mortgage Insurance. Mortgage insurance is a really hot topic in conventional financing, but generally stressed a little less in FHA financing, although it carries a more severe up front financial obligation and MI (mortgage Insurance) for the life of the loan. For more info on FHA loans, or to ask any questions on this Video, email me at Scott@GreenMeansGrow.com For up to date rates, and mortgage calculators, you can download my Mortgage App for free at https://svanvugt.mortgagemapp.com/#

  • 10 Week Loan Series – Introduction

    Oct 31, 16 • Fat Ashton • UncategorizedNo CommentsRead More »

    10 Week Loan Series – Introduction Join me over the next 10 weeks, where I’ll be discussing the difference between different home loan options such as conventional, FHA and VA. We’ll be looking at this through the lens of a buyer, and discuss things like different down payment options & loan qualifications. if you are a potential, buyer, and were wondering what loan makes the most sens for you, this 10 part series is just what you have been looking for. Of course, if you have any additional questions these videos didn’t answer, or would like to discuss in greater detail. Email me at Scott@GreenMenasGrow.com

  • Home Prices + Safe Loans = More Renters

    Sep 12, 16 • Huggy • Uncategorized1 CommentRead More »

    According to an August study released by Zillow 86% of renters don’t have the income or credit to buy a home in their local markets.  With home price increases and lenders more concerned with originating safe loans to avoid falling out of compliance and under the scrutiny of the Consumer Financial Protection Bureau many people are excluded from the home ownership conversation. While this may seem like one more post about how hard it is to get a loan what bothers me the most are hearing stories about people who never tried because they assumed it wasn’t possible for them.  Home ownership may not be possible for you today but with the right mortgage plan you’ll know exactly when that day will be.  To find out just how soon that day is in your future click here. By David Hughson Mortgage Planner 858-863-

  • Mortgage Pre Qual vs. Pre Approval

    The Skinny on Pre Qualification Getting pre-qualified is the initial step in the mortgage process, and it’s generally fairly simple. You supply a bank or lender with your overall financial picture, including your debt, income and assets. After evaluating this information, a lender can give you an idea of the mortgage amount for which you qualify. Pre-qualification can be done over the phone or on the internet, and there is usually no cost involved. Loan pre-qualification does not include an analysis of your credit report or an in-depth look at your ability to purchase a home. The Skinny on Pre Approval Getting pre-approved is the next step, and it tends to be much more involved. You’ll complete an official mortgage application, then supply the lender with the necessary documentation to perform an extensive check on your financial background and current credit rating. (Typically at this stage, you will not have found a house yet, so any reference to “property” on the application will be left blank). From this, the lender can tell you the specific mortgage amount for which you are approved. You’ll also have a better idea of the interest rate you will be charged on the loan. With pre-approval, you will receive a conditional commitment in writing for an exact loan amount, allowing you to look for a home at or below that price level. Obviously, this puts you at an advantage when dealing with a

  • [POINT LOMA | FOR SALE] 3470 Spring Tide Terrace

    3470 Spring Tide Terrace San Diego, CA 92110 Imagine Yourself Living In A Newer TownHome? Price : $484,000 Bedrooms : 2 Bathrooms : 2.00 County : San Diego Property Type : Condo, Townhome Year Built : 2006 MLS Number : 160042698 click for more information and pictures Property Description “Imagine Yourself Living In A Newer TownHome (’06), Top Floor (Living Area All On 1 Floor, Too), In A Contemporary Community With A Pool, BBQ & Play Area, An HOA UNDER $250 p/mo, ALL In Point Loma .. For Under 500k?!” *WHAT WE LOVE: *Watch Seaworld fireworks from your oversized balcony facing north (elevated way up off the street & stays cool) *BONUS 3rd BR! *Freshly updated w/ SS appliances, Maple cabinets, Granite counters & ceiling fans in every room *2 car garage w/ storage *Laundry IN UNIT!This Plogging® (property blogging) is brought to you by an Agent Marketing Plogger® Equal Housing Opportunity

  • Shop Talk – July 1st at Coronado Brewing Company Knoxville

    Jun 27, 16 • Fat Ashton • UncategorizedNo CommentsRead More »

    Shop Talk – July 1st at Coronado Brewing Company Knoxville Join us this Friday July 1st at Coronado Brewing Company (Knoxville Location) for our official unofficial meet up! Anyone in the Home business welcome (Construction, Real Estate, mortgages, you name it!) Shop Talk is simply a place for folks in the Real Estate game to get together, talk shop and learn a little bit about a the different arenas of the Real Estate world. And ovf course doing so over a couple beers on a Friday Afternoon. For more information, check out the event on our Shop Talk Facebook Page or email me at Scott@GreenMeansGrow.com

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

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