Posts Tagged ‘mortgage’

  • Learn How to be a Millionaire! The Millennial Millionaire Maker

    Learn How to be a Millionaire!  The Millennial Millionaire Maker Please contact me at: Cell: 619-857-

  • 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

  • The Subprime Mortgage Meltdown….explained by stick figures!

    Much time has passed, and many people don’t really know how the whole Subprime Mortgage Meltdown happened.  People who have seen the recent movie, “The Big Short” have a much better idea, but for those who have not, take a look at this quick video and you will have a better understanding of just what happened. It is pretty funny, but has a few “bad” words in the text near the end, so for the easily offended…harden yourselves! Trust me, you will come out enlightened…..or something else. Cheers, Craig Sutliff Mortgage & Real Estate Consultant The GreenHouse Group. Cell:  619-857-4954 Email:

  • How to Choose an Agent

    How to choose a real estate agent to help you buy or sell a home. Most people start their search online or seek the advice of friends. Some people will seek out top producing agents or start at some of the big companies such as Century 21 or Prudential. But, will that guarantee you of an exceptional agent, or even, an exceptional experience? Experience shows that what matters most is finding an agent that you have a personal connection with, and who is going to have a laser-like focus on your needs and do everything to achieve the goals. If you’re looking for an agent that will work tirelessly for you, then look no further. Please give me a call or shoot me an e-mail and I will provide you with a free 90-minute consultation to find out exactly what you’re looking for, what is important to you, and to see if we are a good fit for each other. There is absolutely no obligation from this meeting, what really drives me is to leave people better than I found them. I look forward to hearing from you. Craig Sutliff Real Estate Consultant & Mortgage Planner The GreenHouse Group P: 619-857-4954 E: BRE Lic# 01735288, NMLS ID#

  • Competition Top Concern For Home Buyers: How to Stay Competitive

    Jun 6, 16 • Fat Ashton • UncategorizedNo CommentsRead More »

    Competition Top Concern For Home Buyers: How to Stay Competitive Home buying is becoming more competitive with a depleting inventory. That means now, more than ever it’s important to write strong offers. And if you are using financing to acquire your new home, that means starting with a full pre approval. At the GreenHouse Group we always do a full income analysis, asset analysis, and identify a lender before sending your loan file through an automated underwriting system. This ensures us the highest level of confidence that our loans will close. So if you are working with a big bank, and skeptical that you were issued a letter without the above mentioned steps being taken, email me at, and we’ll be happy to take a look at your situation and issue you an approval that you can shop confidently with

  • Question you MUST ask when buying a home

    Here is a Question you MUST ask when buying a home. As they say, buying a home is one of the largest financial decisions you’ll make in your life. What THEY never tell you is all the important intricacies and decisions that come up AFTER you find that perfect home. Craig Sutliff here with The GreenHouse Group.  I’d like to talk to you briefly about one of those important decisions that seems innocent enough, and that is obtaining home insurance. Now the lender is going require you to have insurance on the property that they’re financing, that makes sense.  But, not all insurance policies are not created equal. The lender requires, what is called, a Fire and Hazard policy, to cover the home.  What THEY don’t tell you, is what is NOT covered inside your home. Many people own valuable things, such as: coin collections, stamp collections, sports memorabilia or card collections, firearms, or jewelry such as wedding rings….all of these important and valuable items are NOT covered by a standard policy. To have these items covered you’ll need to purchase what are called an insurance Riders for any of those specific items. Now, most buyers will wait until late into a real estate transaction before they contact an insurance agent or broker, and many times after they have removed all their contingencies and their earnest money deposit essentially belongs

  • Most Important Questions!

    Most Important Questions! The Most Important Questions you need to hear when speaking with a real estate agent or loan officer. Craig Sutliff Real Estate & Mortgage Consultant Cell:  619-857-4954 Email:  

  • Starting A New Job Or Relocating?

    Aug 10, 15 • Huggy • Home Buyers, Loan Programs, Purchase LoanNo CommentsRead More »

    Did you know we can close on your home purchase WITHOUT a 30-day paystub?  If you have started a new job or are relocating within the same field (similar salary) and starting a job within 30 days we can close on your home purchase before you get that first pay stub.  This means you don’t have to put off starting that home search until you reach your destination. This is a big deal for anyone who is simultaneously relocating and purchasing their next home.  This could save you thousands in relocation and temporary housing costs that are a part of every move. David Hughson Tell Me The #1 Thing To Avoid When Relocating and Purchasing My Next Home David Hughson Mortgage Planner for Relocators 858-863-

  • Great News For Borrowers

    We are half way through the 4th quarter of 2014 and it looks like mortgage lending will finish the year off strong.  Some of the great news for borrowers to celebrate includes that fact that cash sales are dropping, rates are as low as they’ve been all year, and Fannie Mae is considering the return of 3% down loans.  We may also see E-Signed loan documents in the near future. In market news there are some big reports due this week. The most highly anticipated economic release will be the FOMC Minutes from the October 29 Fed meeting. These detailed Minutes provide additional insight into the debate between Fed officials. In addition, the Producer Price Index (PPI), which focuses on the increase in prices of “intermediate” goods used by companies to produce finished products, will come out on Tuesday. The Consumer Price Index (CPI), the most closely watched monthly inflation report, will come out on Thursday. CPI looks at the price change for finished goods which are sold to consumers. The NAHB Housing index, Housing Starts, and Existing Home Sales also are on the schedule for next week. By David Hughson Mortgage Planner to planet Earth 858-863-0264 Bonus:  For those looking at purchasing or refinancing a condo click here

  • Self Employed? Oh, Do We Have a Loan For You.

    Aug 5, 14 • Fat Ashton • Loan ProgramsNo CommentsRead More »

    Self Employed? Oh, do we have a loan for you. If your one of the many prospective home buyers out there who is self-employed, this post is for you. Recently, we have seen the implementation of lending programs that are focused on financing the self-employed. Specifically in purchases. For quite a while, we’ve seen people that are self-employed, with flourishing businesses’, struggling on claiming enough personal income to qualify for a purchase. Now, lenders are looking to a lending style from a recent past. Stated Income. I almost feel like using this term is a bit misleading, because they stated income that we have now is a very purpose driven loan and comes with very specific guidelines, however it is stated none the less, and if you are self employed, it may be the answer to your next home. If you have any questions on how this program could be right for you, please call or e-mail me at; 858.273.3663. ext

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

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