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Mortgage and Lending - Platinum Home Mortgage - NMLS ID#283159
First Time Home Buyers face many challenges in today's Real Estate Market. An experienced First Time Home Buyer Specialist can help them navigate the turbulence they may encounter and make owning your first home a pleasurable experience.
Down payments are required on most loans when buying a home, and documenting the source of those funds is critical to the approval of your home loan. Private mortgage insurance is required on conventional loans with less than 20 percent down. Private mortgage insurance companies would, traditiona...
It's Valentines Day, before you hire a skywriter or horse-drawn carriage, or wow your sweetie with diamond jewelry, be sure that you know what your beloved really wants. Because, it turns out, sparkly signs of affection may be lower down the list than you thought. A recent survey by ERA Real Esta...
When buying a home, many consumers make the mistake of confusing pre-approval with loan approval. Until you've been handed the keys to your new home your credit and financial profile will be scrutinized by your lender. Here are the 5 worst things you can do when buying a home 1. Go Credit-Crazy I...
As most of you know, I work in the mortgage industry. And with all the publicity given the recent data breach at Target and many other retailers, I've been asked a buncha (it's a word) times lately what to do about it, and should they do a credit freeze. Please understand that I know exactly how ...
Did you feel the earth move? In California the ground moving is such a regular occurrence we seldom notice it unless it’s a real tremblor. In case you missed it, on January 10, 2014 homebuyers experienced a tremblor that changed the way they will purchase their next home. Under the new Ability-to...
If buying a home is on your 2014 “bucket list”, there are changes coming and these three people will have a huge impact on how much you end up paying for it. The housing pendulum has clearly swung from one side to the other. Demand for rental housing is causing shortages and rising rental rates, ...
If buying a home in 2014 is on your list of New Year’s resolutions then here are three things you should be doing now to make sure that when you look back on 2014 you’ll be doing it from the living room of YOUR own home. 1. Save or find money for down payment January will see the implementation o...
If you're a home buyer who has seen their credit scores drop due to a foreclosure, bankruptcy or short sale, here's an explanation why your credit scores are taking longer to recover. Thanks to my business partners at Dedicated Credit Repair for providing the explanation. Question:  I am confused...
The new year is almost upon us and the mortgage industry will be experiencing a number of changes that will affect home buyers and how they are approved for their home loan. Since 2009 the housing industry has been working to establish standards that will minimize the risk of another housing bubb...
This may come as a surprise for many first time home buyers but The Federal Housing Administration (FHA) has relaxed some of its underwriting guidelines to help make 2014 your year of homeownership. These changes apply to loans that are “manually underwritten”. A manual underwrite occurs when a b...

Greg Cook

Mortgage Consultant NMLS ID# 283159
local_phone(951) 765-1718
smartphone(951) 265-4532
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