Erica's Blog

With the new year approaching its time to GO GREEN! Many of you were at the ECAR Installation Banquet and the theme for this year is "Let's Go Green." You are probably wondering, how am I going to implement that into selling real estate. The answer is Green Mortgages. Sunshine Mortgage has severa...

5 REASONS TO CONSIDER ERICA KNAPP & NORTHSTAR MORTGAGE   •1)      VARIETY OF PROGRAMS We have many programs available such as Conventional, FHA, VA, Rural Housing, 100% Programs, 1st Time Homebuyer, Jumbo, Fixed, ARMS, Interest Only, 203K, and Many, Many more! Best of all, we have "GREEN" Mortage...

Here are the FHA loan limits for Walton County for 2009  One Unit    Two Units    Three Units    Four Units $325,450    $416,600     $503,600      $625,850 All other counties (Santa Rosa, Okaloosa, Bay, etc) fall under these limits  One Unit    Two Units    Three Units    Four Units $271,050    $...

VA will now allow 100% cash out refinances. At Sunshine, we will offer this LTV increase which was previously limited to 90%. This is exciting news! Please call me if you have any questions! 850-420-3883

10 QUESTIONS TO ASK POTENTIAL BUYERS     Have you or your spouse ever been in the Military, Reserves, or National Guard?   (This will let you know if they qualify for VA Benefits)     Are you purchasing a Primary Residence, Second Home, or Investment Property?   (This will help you determine wha...

I wrote this article a while back. I know everyone is tuned into the same radio station (WIIFM) [What's In It For ME]. But a reality check came into place when everyone wants a referral fee or a free dinner etc. I am not losing my job over a RESPA Violation because someone wants a free gift for a...

What You Need to Know About Your Credit (FICO) Score What You Don't Know About Your FICO Score Can Cost You Money It's important to obtain copies of your credit report from the three major credit bureaus and review them for accuracy, but if you want to know how a potential lender views you, it's ...

DON'T APPLY FOR NEW CREDIT OF ANY KIND If you receive invitations to apply for new lines of credit, don't respond. If you do, that company will pull your credit report and this will have an adverse effect on your credit. Likewise, don't establish new lines of credit for furniture, appliances, com...

When a couple decides to divorce, the stress of dealing with financial issues can be overwhelming. As a result, people will often seek expert advice to educate them on their different options. At Sunshine Mortgage, we specialize in helping individuals learn more about what choices they have regar...