“I have been originating mortgages since 2004. The mortgage process requires commitment, attention to detail, patience, and perhaps more than anything, customer service. As your mortgage loan officer you will always be able to count on me to provide you with the utmost care & attention, efficient service and a competitive edge.” – Seth
As an experienced Mortgage Professional here in Maine, my ultimate goal is to create lasting relationships with each of my valuable clients and referral partners so that I may continue providing excellent service for many years to come.
seth@leader1.com
Have you heard that the "Fed" just raised interest rates—and immediately after, mortgage rates dropped? Yes, it seems a little crazy, but it's true. Here's why: Usually, markets anticipate Fed moves. That's what happened here. In fact, investors were preparing for...
Credit scores for millions of Americans may soon increase due to two major changes in credit scoring. Starting July 1, the three major credit agencies — Experian, Equifax and TransUnion — are dropping certain negative information from credit reports, including tax...
Many Maine homeowners ask me how they can remove FHA monthly mortgage insurance premiums with their mortgages. FHA insures mortgages so that lenders will be encouraged to make more mortgages available for people. The FHA mortgage insurance agreement is between FHA and...
When you sell or purchase a home, its appraised value is based largely on recent sales of similar properties nearby. Looking at recent sales can help you better understand the value of your own home or one you may someday hope to purchase. Here’s an online...
Buying Stock in Apple Computer for less than $10 per share. Buying up farmland during the Great Depression. Building a website to connect your friends before some kid from Harvard did it first. “I was seldom able to see an opportunity until it had ceased to be one.” –...
We all know the old line about location. But buying a home takes research, research, research, too. You will want to determine: How much you can comfortably afford. The pre-approval process, which entails full documentation and credit check, is the best way to...
Private Money financing refers to loans collateralized by real estate, where the source of the funds used to close Real Estate transactions come from private investors. The decision by the investors to make a loan is based primarily upon plenty of equity in the real property securing the loan thus reducing the risk of loss.
When deciding to sell a piece of real estate, there are certain things you must disclose about the property to the buyer before the sale can go through.
Disclosure laws are put in place to protect the buyer from unknowingly purchasing defective property. Not disclosing certain information about the property can jeopardize the sale, or worse, invite a lawsuit.
FHA loans are becoming increasingly popular these days as potential homeowners are not able to qualify for mortgages from traditional lenders. The FHA insures these high-risk loans, in turn allowing borrowers with low down payments and less than perfect credit to purchase homes and bolster the housing market.