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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.
On August 15, 2013 FHA, in an effort help consumers who experienced unemployment or other severe reductions in income, were unable to make their monthly mortgage payments and ultimately lost their homes to a pre-foreclosure sale, deed-in-lieu or foreclosure”, announced the FHA Back to Work - With...
It's not often that Yogi Berra, Albert Einstein and Bill Murray would appear in the same blog post, but when it comes to a discussion about another housing bubble they all have a contribution to make. In the spring and early summer, more lenders, as surveyed by the Federal Reserve, said they were...
An examination of your credit history is the first step in getting a first time home buyer loan. Every time your credit is reviewed an inquiry is generated and each inquiry may impact your credit score. The truth about credit inquiries and your credit score Related: The right and wrong way to sho...
Effective Immediately, FHA Waives Foreclosure Waiting Periods Via Its “Back To Work – Extenuating Circumstances” Mortgage Program If you’re a home buyer, whether it’s your first home or fifth, and a significant derogatory credit event has kept you out of the housing market. Then you got some good...
Did You Know: You Can Buy HUD Homes for As Little As $100 Down? Although owning a first home is a dream for many people, it can be a challenge to save the standard 3.5 to 20 percent of a home’s value needed for many mortgage programs. If you can’t afford that, you’re not out of options. The Feder...
The Social Benefits of owning your first home have never been more important, not only for you and your family, but for our neighborhoods, schools and society as a whole. The recent housing disaster changed many American's view of owning their first home. It isn't called the American Dream becaus...
VA loans had a record breaking year while putting the interest of their veteran home buyers first. The bursting of the housing bubble caused many  zero down payment loan programs to fall by the wayside but the number of VA loans has increased 305% since 2007. As a result VA passed the 20 million ...
There’s good news and bad news for California first time home buyers. Good news? There are more houses from which to choose and prices are stabilizing. But like everything else in life right now it’s hard to tell if the light at the end of the tunnel is just a light or if it’s a freight train. Th...
Applying for a first time home buyer loan isn’t just about appraisals and choosing the right financing program It’s also about your lender looking at and verifying your credit profile.  Did you know that any changes to your credit profile during the loan process can have negative ramifications?  ...
Seems like the cost of everything is increasing and first time home buyer loans are no exception. According to a report from, the average closing cost across the United States rose 6 percent over the year to $2,402. Origination fees increased 8 percent to $1,730--accounting for the b...

Greg Cook

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