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ByAlex Carlucci
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This BLOG On Recourse And Non-Recourse Loans And Major Differences Was UPDATED And PUBLISHED On June 22nd, 2019 The difference between recourse and non-recourse loans are that borrowers are personally liable for recourse loans. With non-recourse loans, borrowers are not personally liable. All primary owner-occupant properties are recourse mortgages. Non-Recourse loans are for investment and…
ByAlex Carlucci
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This BLOG On Mortgage Rates Have Recently Been Dropping Was UPDATED On June 21st, 2019 30 year fixed FHA mortgage rates have been as low as 4.25% and 30-year fixed Conventional mortgage rates have been as low as 4.5% earlier this year. FHA mortgage rates have spiked up to the upper 4.0% Conventional mortgage rates have…
ByAlex Carlucci
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This article on Is Refinance Boom Over For Homeowners Due To Mortgage Rates Many homeowners still have higher mortgage rates and have been waiting to refinance their mortgage loans hoping that the mortgage rates will drop below the 4.0% mark. Others still have mortgage loan balances that are higher than the value of their homes…
ByAlex Carlucci
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This Article Is About The FED To Lower Rates In 2019 Will Spike Refinancing News the FED To Lower Rates in 2019 lower mortgage rates at a 24 month low. However, rates had a sudden spike last week due to President Trump’s threat in implementing tariffs Mortgage rates on a 30 year fixed rate conventional…
ByAlex Carlucci
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This BLOG On FHA Back To Work Versus NON-QM Mortgages And Pros And Cons Was UPDATED On May 5th, 2019 FHA Back to Work Extenuating Circumstances due to an Economic Event mortgage loan program was launched on August 15, 2013 and many home buyers with a prior bankruptcy, foreclosure, deed in lieu of foreclosure, and short…
ByAlex Carlucci
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This BLOG On Do’s and Don’ts When Choosing Realtor for a Post Military Move Was UPDATED On January 24th, 2019 When you separate from the military, you’ll find that you have a lot of things to sort out. One of these things will be finding a new home, especially if you’ve been living on base…
ByAlex Carlucci
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This Article On Manners Today At The Workplace By Fellow Co-Workers Was UPDATED On January 15th, 2019 This sounds like a topic you would have with a kindergarten class. Unfortunately, many grown-ups don’t understand that using good manners, being polite and showing respect will help improve your everyday life. I’m still part of a full-time workforce…
ByAlex Carlucci
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This BLOG On How Loan Officers Prepare Borrowers For Mortgage Underwriters Was PUBLISHED On January 14th, 2019 How Loan Officers Prepare Borrowers for mortgage underwriters depends on the individual loan officer. Most experience loan officers will make sure all mortgage documents is complete before submitting a loan Any missing docs and/or pages will be potential delays…
ByAlex Carlucci
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This BLOG On Mortgage Rates Rise For 7 Continuous Weeks With No Sign Of Drop Was UPDATED On December 30th, 2018 Mortgage rates rise again for 7 consecutive weeks and there is no sign of turning backs. Mortgage rates hit record lows in April and it started to take off. Common sense dictates if mortgage rates…
ByAlex Carlucci
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This BLOG On Michigan Realtor Juanita Hawkins Was UPDATED On December 24th, 2018 A Condotel, also known as a Condo Hotel, is a condominium unit in a hotel where it is individually owned. The Condo Hotel management staff takes care of all the management and maintenance Tasks and duties such as daily rentals, bookkeeping, room…
ByAlex Carlucci
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This article is about How To Get Lowest Mortgage Rates On Home Loans And What Are LLPA INTRODUCTION OF HOW TO GET LOWEST MORTGAGE RATES HOME LOANS Mortgage loan officers who have been in the business for several years will tell you the number one question they hear is, “What are your rates today?” And…
ByAlex Carlucci
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This BLOG On Tips In Getting Lowest Mortgage Rates Florida Was UPDATED On December 10th, 2018 Borrowers who are thinking of getting a mortgage with lowest mortgage rates Florida should optimize their credit scores before applying. Majority of mortgage companies that advertise on television, radio, or newspaper often lure potential borrowers with claiming they have the best…
ByAlex Carlucci
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This BLOG On Mortgage Interest Rates On Conventional Versus FHA Loans Was Updated On November 26th, 2018 Mortgage Interest Rates On Conventional Loans are more sensitive to credit scores and loan to value than FHA Loans. The higher the borrower’s credit scores, the lower their conventional mortgage rate For the lowest possible conventional mortgage rate, the…
ByAlex Carlucci
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This BLOG On Bridge Loans For Investment Properties Lending Guidelines Was UPDATED On November 24th, 2018 Hard money bridge loans are a great tool for real estate investors. Even investors with great financials and those who can qualify for traditional bankable commercial loans utilize hard money bridge loans in many cases Short term hard money loans is…
ByAlex Carlucci
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This BLOG On Role Of Property Manager And Responsibilities To Landlords Was UPDATED On November 2nd, 2018 Most property managers work for larger companies. The role of property manager is to keep the property safe, tenants happy, and collect rent on time: They are placed on site Their role is to see to the needs…
ByAlex Carlucci
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This Blog On What Is Factoring And Why How Do They Benefit Businesses Was UPDATED On November 2nd, 2018 Many business owners ask What A Factor Is And How Does Factoring Work? Factoring is when a company sells its accounts receivables or invoices to a third-party vendor This is done by the commercial business broker…
ByAlex Carlucci
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This BLOG On Rapid Response Group At Gustan Cho Associates Was UPDATED On October 28th, 2018 Over 75% of borrowers at Gustan Cho Associates are folks who have either gotten a last minute mortgage denial or are going through major stress during the mortgage process . Loan officers assigned to our rapid response group are constantly…
ByAlex Carlucci
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This ARTICLE On How to Choose the Right Internet Lawyer By Consumers Was PUBLISHED On October 27th, 2018 How do you go about choosing the right Internet attorney that fits your budget and needs? Legal services are just like other products in the market; the wise customer carries out some research before making the final…
ByAlex Carlucci
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This BLOG On Health Care Insurance Open Enrollment For Consumers Was UPDATED On October 23rd, 2018 Open enrollment for health care insurance begins on November 1st for the next plan year. With tens of thousands of plans available, finding the right coverage that best fits your needs and budget can be often overwhelming Sometimes people just…
ByAlex Carlucci
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This BLOG On Loss Of Income Insurance And Its Benefits For Homeowners Was UPDATED On October 22nd, 2018 Loss Of Income Insurance? To protect wealth and grow wealth is my job and desire as an insurance broker/agent and wealth manager Question- can you protect wealth without a savings account that is increasing? Can you protect wealth…
ByAlex Carlucci
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This BLOG On Travel Insurance Frequently Asked Questions By Consumers Was UPDATED On October 19th, 2018 A Little TIDBIT About “Travel Insurance” So, here we are again, another summer season around the corner and you’re contemplating your next summer vacation with the family or perhaps simply a romantic getaway, with just you and your significant other….
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