| 1.925.684.9720 |
Refinancing
Get The Truth About
The Real Costs. Avoid
Junk Fee's & Ripoffs
Get The Truth About
The Real Costs. Avoid
Junk Fee's & Ripoffs
Buying A Home
First Time Buyers
100% Financing
FHA Loans
First Time Buyers
100% Financing
FHA Loans
Prequal Letter
Prequal vs Preapproval
Letter - Which One Do I
Need & When?
Prequal vs Preapproval
Letter - Which One Do I
Need & When?
| Equal Housing Opportunity All Rights Reserved © 2011 Brian R. Barnes # 238617. |
Reverse Mortgage
Seniors Can Retire At
Home With More Income.
No credit, income or
health requirements.
Make No Payments on
this Loan!
Seniors Can Retire At
Home With More Income.
No credit, income or
health requirements.
Make No Payments on
this Loan!
1. Guaranteed Pricing!
2. Straight Talk | Direct Communication
3. NO Junk Fees | No Application Fees
4. NO Multi Phone Calls From Competing Loan Agents
5. NO Selling of Your Personal Information
6. Yahoo! Secure Online Application
7. Certified Open Book Advisor™
2. Straight Talk | Direct Communication
3. NO Junk Fees | No Application Fees
4. NO Multi Phone Calls From Competing Loan Agents
5. NO Selling of Your Personal Information
6. Yahoo! Secure Online Application
7. Certified Open Book Advisor™
7 Reasons to Call Us First
| 1.925.684.9720 |
| Brian R. Barnes nmls # 238617 a.k.a 'The Loan Professor' |
| Privacy | Glossary | About Us | Contact Us | Calculators | Credit Issues | FAQ | Secure Application | Loan Process |
Tips For A Smooth Closing
"Hurry up and wait" seems to be the mortgage mantra these
days. The markets have seen drastic turns from one extreme
to another. But here's some tips to help you keep your sanity
in a confusing and patience-testing process.
1) Purchase on a 30-60 day escrow
That may seem a bit much for some but underwriters are
overwhelmed with immediate demands by an influx of
borrowers. Many lenders are working with skeleton crews
after major layoffs. While I can generally enjoy smooth
closings with the practice of submitting the most complete
packages possible, something can always come up either
with the property, the appraisal, inspections etc.
It's best for everyone to assume the need for a longer escrow
period and celebrate if it can close earlier.
days. The markets have seen drastic turns from one extreme
to another. But here's some tips to help you keep your sanity
in a confusing and patience-testing process.
1) Purchase on a 30-60 day escrow
That may seem a bit much for some but underwriters are
overwhelmed with immediate demands by an influx of
borrowers. Many lenders are working with skeleton crews
after major layoffs. While I can generally enjoy smooth
closings with the practice of submitting the most complete
packages possible, something can always come up either
with the property, the appraisal, inspections etc.
It's best for everyone to assume the need for a longer escrow
period and celebrate if it can close earlier.
| We Can Help But You Have To Call! |
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Hours | Monday ~ Friday 9:00 to 8:00 PST Sat 10:00 to 6:00 | Email 24/7 |
USDA Rural
Guaranteed Loan
100% Financing with
Excellent Rates.
No Mortgage Insurance!
Guaranteed Loan
100% Financing with
Excellent Rates.
No Mortgage Insurance!
2) Refinancing
Again patience is required here. Some banks are overwhelmed with ever changing, new
regulations and working with less people, that some have shut down their refinance
division all together, choosing to only concentrate on purchases. 3rd parties now
manage the appraisal process which can present a challenge within the process.
3) Borrowers
It cannot be stressed enough that once you have been pre-qualified, do not make any
substantial changes in your job, income or debt until the loan is closed. Changing jobs,
shopping for a car or financing a new car in the midst of a home purchase or refinance
can change your qualifying status drastically.
It's a great time to by with plenty of inventory on the market and excellent rates.
Please understand that when we submit your loan, I work quickly on my end to expedite
the process by providing complete files to the underwriters/lenders up front. We have little
control over realtor's, title companies, appraisers etc., but you can be assured I work
closely with you to expeditiously facilitate a smooth closing.
Teamwork and open communication is how I can help my borrowers take advantage of
this fantastic buyers market.
Brian Barnes, Sr. Loan Officer
Again patience is required here. Some banks are overwhelmed with ever changing, new
regulations and working with less people, that some have shut down their refinance
division all together, choosing to only concentrate on purchases. 3rd parties now
manage the appraisal process which can present a challenge within the process.
3) Borrowers
It cannot be stressed enough that once you have been pre-qualified, do not make any
substantial changes in your job, income or debt until the loan is closed. Changing jobs,
shopping for a car or financing a new car in the midst of a home purchase or refinance
can change your qualifying status drastically.
It's a great time to by with plenty of inventory on the market and excellent rates.
Please understand that when we submit your loan, I work quickly on my end to expedite
the process by providing complete files to the underwriters/lenders up front. We have little
control over realtor's, title companies, appraisers etc., but you can be assured I work
closely with you to expeditiously facilitate a smooth closing.
Teamwork and open communication is how I can help my borrowers take advantage of
this fantastic buyers market.
Brian Barnes, Sr. Loan Officer
Thanks Brian! This process is so overwhelming to me! I appreciate your patience in walking us through each step and answering all of our questions. I never thought I could find someone I could trust and work so well with on the internet. But truly, you are easier to get a response from than my local Realtor! Thanks Again Jay B. |