Hal Timinsky's (haltim) Blog

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Mortgage and Lending - Nations Lending - NMLS #173437
RECENT BLOG POSTS
Are you hearing that it's "a great time to buy a home" from your REALTOR®? Based on the evidence, the old maxim may be right.. Lifetime-low mortgage rates and still-cheap home prices have rendered U.S. homes more affordable than at any time in recent recorded history. Home affordability is high n...
05/15/2013
    We’re honored to have Brentt Taylor from MortgageLoan.com share with us his knowledge and insights. – The KCM Crew In order to remain competitive in today’s market, real estate professionals must be armed with up-to-date and relevant information. A strong knowledge of the mortgage market can...
05/13/2013
Half-price homes for 'Good Neighbors' Eligible teachers, firefighters get first dibs on foreclosures Who wouldn't want to be able to buy a home at half price? That's the promise of a little-known federal program that aims to provide affordable housing for teachers and certain other professionals....
05/09/2013
One comment that I hear from real estate agents and lay people alike is that "it's hard to get a mortgage; so hard, in fact, that no one can get one".  This is just NOT true!  In reality, lenders are lending at a healthy pace.  Interest rates continue to cooperate and there are many programs for ...
05/09/2013
by Dean Hartman  For the longest time, I have listened to other loan officers talk about why people should do business with them; and 95% of the time their presentations boil down to three things – price, product, and service. On the pricing front, they talk about low interest rates and/or closi...
05/09/2013
The 4 C’s of Mortgage Underwriting by Dean Hartman   With Spring upon us, and new buyers out looking for houses, I thought today might be a good time to review the basics of what lenders look for as they decide to approve (or deny) mortgage applications. For at least 25 years, I have heard them ...
05/09/2013
Most home buyers’ biggest hurdle is coming up with the cash for a sensible down payment. Gone are the days of zero-down loans, so if that was your plan, you’re going to need a new one! Coming up with a down payment for a home is a challenge because it’s not chump change we're talking about, here....
05/09/2013
Arizona homeowners have good news today on two fronts, as its home prices are rising while its share of delinquent mortgage payments improved dramatically. • The state's home prices rose 16.8 percent in March compared with a year ago, the third-highest increase in the U.S., a survey by Core Logic...
05/09/2013
by The KCM Crew   Recently the research team at the National Association of Realtors (NAR) looked at studies done by the Bureau of Economic Analysis, the Census Bureau, Macroeconomic Advisors and the Joint Center for Housing Studies at Harvard. After reviewing the data, they determined the total ...
05/09/2013
Have you ever said something in the heat of the moment, then wished for weeks later you could reel those words back in? Truth is, all of us commit emotion-driven mistakes in some areas of our lives. But when it comes to selling your home - read: cashing out your most valuable asset - the stakes a...
04/12/2013
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Hal Timinsky

Closing Loans is My Business
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