Getting Started
- The Loan Process
- The Real Estate Process
- Disclaimer
- .Template
- The Loan Process (alt/refi)
- For Consumers
- For Realtors
- Why Clients Use Me:
- Reasons Realtors partner w/ me:
The Basics
- \What is Title & Escrow?
- \The Role of Homeowner’s Insurance
- Residential
- Commercial
- Property Types
- Declarations Page
- The Basics
- Property Taxes
- Value Types in Real Estate
Real Estate Transaction
- The Goal of All RE Txns
- The Five Major Components of a Home
- Contingencies
- The General Inspection
- Closing Disclosure
- Closing Procedures (Detailed)
- Due Diligence
- Pre-Approval
- Shopping
- Making Offers
- What is Escrow?
- Escrow Sidenote Verbiage
- Supplemental Taxes
- Other Common Inspections
- How a Realtor is paid
Process Milestones
- Quick Consult w/ AJ
- RE: Get Pre-Approved
- Email Draft: Loan Process Overview
- Complete Loan App
- Income/Asset Docs to AJ
- Register Loan
- Sign Initial Disclosures
- Phase 1 UW
- Appraisal: Order, Conduct, Receive
- Receive Conditional Approval
- Gather Conditions
- Phase 2 UW
- Receive Final Approval
- Sign Closing Disclosure
- Mandatory 3-day waiting period
- Sign Closing Docs
- Wire Funds to Escrow
- Close/Receive Keys
Lending
- Appraisal Details, Requirements, Implications
- Locking Your Rate
- List of Loan Types (and what they do)
- What it costs to buy, sell, and refi
- Mortgage Insurance Explained
- Discount Points
- Key Components to Approval
- DTI
- Assets
- PITIA
- LTV
- Refinancing Explained
- Debt Consolidation
- Conditions
- Final Approval
- Loan Estimate
- Impounds
- What’s an AMC?
- Broker vs Banker
- UFMIP
- DSCR
- List of Typical Fees
- The Foreclosure Process
- Conventional
- VA
- Closing Procedures
- "Documentation”
- Qualifying on-paper vs ethically
- How & Why Rates Change
- Risk Adjustments
- The 20% Down Myth
- What is Underwriting and how does it work?
- How much should I put down?
- Prepaid Interest: What is it?
- The Downsides of FHA
- Pre-Approval Letter
- Securitization
- CDS
- CGMI
- Credit Report
- Gifts
- Secondary Mortgage Mkt
- ”I hear the Fed is going to drop rates soon” How the Fed actually affects mortgage rates
- How to Wire Closing Funds
- EMD
- Prime
- How Rates Work (pricing schemas)
- How a loan officer is paid
- Warrantable vs Non-Warrantable Condos
- rename Fund Movements
- HELOC
- FHA
- USDA
- Jumbo
- Full Doc
- Bank Stmt
- Asset-Based
- Alt Income
- Seconds (Standalone CES)
- Hard Money
- Private Money
- Commercial Loans
- Specialty Loans
Basics
Terminology
Residential
Real Estate Process
Loan Process
Terminology
Why AJ
Title & Escrow
Insurance
Terminology
Lending
Pre-Approval
Why It’s Required
Key Components to Approval
Hello, World!
Hello, World!