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DallasLoanGuy's Blog



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How To Remove Disputes From Your Credit Report

Posted by DallasLoanGuy , 28 February 2013 · 596 views

How To Remove Disputes From Your Credit Report By: Shane Milne I always have my clients deal directly with the credit bureaus when removing dispute remarks.  We've had a 100% success rate. Experian475 Anton Blvd.Costa Mesa, CA 92626 714-830-7000 is answered by a live human being, tell them you need the ExecutiveCustomer Service Te...



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FHA Rule on Collections Accounts Delayed. New Date July 1, 2012

Posted by DallasLoanGuy , 09 April 2012 · 387 views

FHA Rule on Collections Accounts Delayed. New Date July 1, 2012 For those aware, HUD has changed some underwriting guidelines and now will require collections that total $1,000 or more to be PAID before closing.There have been 2 comments by HUD since the release of Mortgagee Letter 2012-3 that outlined these changes. 1. First, FHA offered guidance on...



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Rapid Rescore Costs

Posted by DallasLoanGuy , 19 January 2012 · 383 views

Rapid Rescore Costs What is Rapid Rescore ?A Rapid Rescore  of a credit report is when a client provides documentation about erroneous information on their credit report…. And their Loan Officer submits these items to the credit bureaus to be updated. The loan officer doesn’t go directly like a consumer would. The loan officer will go through a 3rd party...



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Friends, Relatives & Real Estate/Mortgage Advice

Posted by DallasLoanGuy , 06 January 2012 · 126 views
Mortgage Advice
Friends, Relatives & Real Estate/Mortgage Advice A LOT has changed in the world of Real Estate and Mortgages over the last few years. That means that a Real Estate transaction today will be a LOT different than the transaction Cousin Eddie did 3 or 4 years ago.  While I suggest that my clients listen to their friends/family for referrals to Real Estat...



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To Dispute or NOT to Dispute... Here is the answer to the question!!

Posted by DallasLoanGuy , 10 February 2011 · 139 views

Disputing credit reports when applying for your mortgage loan.  Don't do it....!! Disputes need to be resolved before you can borrow on a home loan anyway....Quite frankly.... If you are disputing items on your credit report.... You are NOT READY to borrow money on a home.So stop it!!!Here is the deal.... The FICO score is supposed...



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FHA Non Occupying Co-Borrower

Posted by DallasLoanGuy , 31 March 2009 · 49 views

FHA Non Occupying Co-Borrower rules in a nutshell.Typically called a 'Kiddie-Condo' loan. FHA allows family members to help their kids buy their first home. Whether they are in school with no income or out in the real world and just need a little extra income to qualify.FHA allows for a family member to be a non-occupying co-borrower in order to a...



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FHA Streamline Refinance Mortgage Loan

Posted by DallasLoanGuy , 02 January 2009 · 61 views

Interest rates are near historical lows!The calls are starting to come in... And quite a few of the callers have already been advised by the DallasLoanGuy to NOT refinance. It just doesn't make sense for every homeowner.But, if you have a rate that will adjust in the near future or your fixed rate is 6% or higher.... This might just be the opportu...



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When Banks Compete, You Lose!!

Posted by DallasLoanGuy , 14 September 2008 · 133 views

When Banks Compete, You Lose?!?!?!Huh? How can that be? Didn't Lending Tree tell me differently? Yes they did!! And they are kind of right, banks competing for your business does help you obtain a lower rate. Borrowers should shop around, getting a quote from both a bank and a Mortgage Broker/Banker. Compare what you have been offe...



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Elimination of Seller Funded DPA Info

Posted by DallasLoanGuy , 22 August 2008 · 21 views

Note from our operations team regarding:All, Due to FHA's elimination of Seller-funded down payment assistance programs October 1, 2008 Supreme Lending is implementing the following deadlines: All FHA loans with seller-funded down payment assistance must: 1.  Have an application date on or before September 19, 2008 2.  Have a case number assigned on o...



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Seller Funded DPA & Manufactured Home Loans... No Mo!!

Posted by DallasLoanGuy , 18 August 2008 · 19 views

Got a note today.... That our investors are ending DPA on MFR'd Homes earlier than the deadline for stick & brick homes.With the upcoming elimination of the Seller-funded down payment assistance program on FHA loans October 1, 2008, our Investors that accept Manufactured Housing have decided to discontinue DPA's immediately on this property ty...



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