Home Loans – Loan Options and Seller Financing

The 10 Commandments Of Buying A Home

Home Buyer 10 Commandments

Buying a home with a mortgage loan? Be careful you obey these ten commandments for a smooth closing.

Ten Home Buying Rules

#1 – When buying a home Thou shalt not change jobs, become self-employed or quit your job.

#2- Thou shalt not buy a car, truck or van (or you may be living in it)!!

#3 – Thou shalt not use credit cards excessively or let current accounts fall behind. [Read more…]

What Factors Influence Your Credit Scores?

Credit scoring factors Your credit report is considered to be your ‘financial fingerprint’. This file that remains with you is arranged and divided as described below.

Payment History (35%)

Account payment information on specific types of accounts (credit cards, retail accounts, installment loans, finance company accounts, mortgage, etc.)
Presence of adverse public records (bankruptcy, judgments, suits, liens, wage attachments, etc.), collection items, and/or delinquency (past due items) [Read more…]

Welcome To My Site!

Welcome to my site and blog dedicated to supporting the real-estate professionals I work with to support the Loan Options Organization’s goal, to get:

“The Right People – In the Right Home – With The Right Loan!”

So how can the Loan Options Organization help?

If you’re considering buying a home, I can help you plan ahead and even accelerate your move-in date.
If you’re already approved for a loan but would like a second opinion to ensure you’re getting the best deal possible for your unique circumstance, I can give you clarity in 30 minutes or less.
If you’ve been denied for a home-loan, we can review your circumstance and share what options you have for moving forward.
If you’re disqualified from owning a home due to bankruptcy, short-sale, or anything else, we can help you understand and make the most of alternative financing methods.
If you’re a real-estate agent with clients who are experiencing any of the above, either give us a call for a 1-on-1 consultation or to attend our next continuing education class to learn more.

Thanks again for being here, and I look forward to serving you!