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Author Archives: Tim
Happy New Year – Be Grateful!
ShareTweet Stop what you are doing and be thankful for who you are, where you are and the people around you. I’m not naive enough to think that everyone has a rosy life, but my guess is that you know … Continue reading
Posted in Real Estate
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New Dodd-Frank Disclosure Rules will Cause Delays!
ShareTweet On October 3rd the new TRID (Tila-Respa Integrated Disclosure) rules went into effect for all residential loans with application on or after that date. Delayed closings are an imminent reality due to the timing requirements of the new rules. … Continue reading
Posted in Financing, News
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Payroll Reports Shoot Mortgage Rates Higher!
ShareTweet The mortgage backed securities markets and the 10 year Treasury Bond Markets shifted gears today on what many believe will be an irreversable track toward higher rates. This isn’t just a small bump in the tight range that things … Continue reading
Posted in News
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Your Realtor’s Buying Process Makes a Difference!
ShareTweet The Realtor that helps you buy your home can make the process fun or they can make the process painful. Here’s what a successful process looks like! Tim Halladay of Living Well Realty hosts the Mortgage Solutions radio show … Continue reading
Posted in Real Estate
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Narrow Your Home Buying Decision – What’s the Process?
ShareTweet Tim Halladay, the Host of Mortgage Solutions radio show, shares his insights about the most effective ways to narrow your home buying choices in today’s market. Don’t Overthink it! The largest asset purchase of your life will likely be … Continue reading
Posted in Free Tips, Real Estate
Tagged Albany homes, home search, Malta homes, Saratoga homes, Schenectady homes, Troy homes
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Closing Costs – Required or Junk fees?
ShareTweet Tim Halladay of Victory Funding differentiates between Statutory Costs and Junk Fees on his weekly radio show Mortgage Solutions. Some costs are statutory and some others are necessary; you will pay these no matter where you go or who … Continue reading
Posted in Financing, Free Tips
Tagged albany, low closing costs, Malta, mortgage broker, no junk fees, Saratoga Springs, schenectady
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Seller Concessions – What are They and How Can I Use Them?
ShareTweet Tim Halladay of Victory Funding teaches what you need to know about Seller Concessions, including what programs allow them and what the limits are! This dynamic discussion is a must for home buyers! Listen to this from Mortgage Solutions … Continue reading
Posted in Financing, Free Tips
Tagged Conventional, FHA, Living Well Realty, Malta, mortgage broker, Mortgage Solutions, Saratoga Springs, seller concession, usda, Victory Funding
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FHA Lower Mortgage Insurance Effective Soon!
ShareTweet Beginning with FHA numbers drawn January 26th of 2015 the Monthly Mortgage Insurance Premium (MIP) will lowered from a factor of 1.35 to a factor of .85. Let’s do the math. for a $100,000 mortgage the current premium is … Continue reading
Posted in News
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Mortgage Mistakes that can Stop You Cold – What Underwriters Hate
ShareTweet Tim Halladay talks about major mistakes borrowers make that can stop them in their tracks! Part 1 – 28 minutes Part 2 28 Minutes Every lender needs to know you are qualified. Underwriting guidelines are designed to verify your Credit, Income, … Continue reading
Documents to Take to Your Mortgage Appointment
ShareTweet Your lender will need some basic documents to begin the process. Do your best to provide these and your process will be smooth. All the documents fall into three basic categories; income, assets and credit. Income documents 1. Most recent … Continue reading
