PODCAST

The Spring Mortgage Team Podcast with Rob Spring

Get all the information and and the latest updates, tips, and tricks of Personal Finance and Mortgages from Rob Spring - your professional North Texas Consultant

education training

All Episodes

What Income Is Considered When Qualifying for a...

The Spring Mortgage Team Podcast with Rob Spring ·

2017/11/01

When it comes to what income is considered when qualifying for a mortgage, certain types of income are verified in different ways.What income is considered when qualifying for a mortgage? These days, everything has to be verified through W2s, paystubs, or tax returns. Certain types of income are verified in different ways. For example, a self-employed person would need tax returns to verify their income. A self-employed person is someone who owns 25% or more of a company or is a

en-us

Need a Mortgage? Here's What You Need to Get Started

The Spring Mortgage Team Podcast with Rob Spring ·

2017/10/10

What’s required to get started on the mortgage approval process? Today, I’d like to give you some insight on that. Today I want to give you a quick look at the mortgage approval process. So, how do we get started? First of all, you’ll need to provide my team and I with your name, social security number, address, residence history, employment history, and other information to complete the base of the application. We can do this over the phone or in person. It all comes down to what you

en-us

How Much Do You Really Need for a Down Payment?

The Spring Mortgage Team Podcast with Rob Spring ·

2017/09/19

A lot of people have questions about down payments. Today, I’m bringing you some answers. Today, we’re going to be talking about down payments. This is a topic that raises a lot of confusion, which is why I’m here to clear up the subject. One of the main things people ask is, “How much do I need to put down?” The truth is that it all depends. We need to ask ourselves if we can meet your financial budget, if we can meet your monthly payment requirements, and if we can buy the house you have in

en-us

5 Remodeling Projects With the Best Return

The Spring Mortgage Team Podcast with Rob Spring ·

2017/08/22

Home remodeling is as hot as it's ever been. Here are five projects that bring the best return on investment. Home remodeling is hotter than ever. According to researchers at Harvard University, remodeling investment is up 6% over last year and now makes up a $324 billion market. According to a survey of remodelers and real estate professionals, there are five remodeling projects that offer the best returns: 1. Your kitchen. Kitchen remodeling can be as simple or as elaborate as you like

en-us

How the Fed’s Recent Rate Hike Impacts Our Market

The Spring Mortgage Team Podcast with Rob Spring ·

2017/07/31

The Fed’s recent rate hike shouldn’t have any significant impact on our market. In fact, it might actually stimulate it. On June 14th, the Federal Reserve increased its federal funds interest rate by 0.25%. They’re also widely expected to raise rates once or twice more over the course of 2017. What does this mean for the real estate market? While any action by the Fed always garners a lot of attention, I believe these increases will not have any significant impact on our market. First of all,

en-us

How Do Fannie Mae’s Recent Changes Affect Those With...

The Spring Mortgage Team Podcast with Rob Spring ·

2017/06/16

Today I want to inform you about how Fannie Mae, the nation's largest underwriter of mortgages, recently introduced three new rules that will affect those with student debt. If you have a student loan or you are a cosigner on one, I have some good new for you. Fannie Mae, the nation's largest underwriter of mortgages, recently introduced three new rules that will affect those with student debt. These new rules can make it easier to get a mortgage, and they can make it easier to pay off your (or

en-us

You Don’t Need a Down Payment

The Spring Mortgage Team Podcast with Rob Spring ·

2017/05/31

Today, I want to share with you all the options you have for an affordable down payment as a homebuyer. What's the biggest obstacle to homeownership? According to a recent survey, "saving enough for a down payment" comes at the top of the list. A whopping 55% of prospective homebuyers cited this as their main stumbling block. And with the continuing growth of home prices, things aren't getting any easier. In fact, homeownership rates reached a 20-year low last November. It wasn't always like

en-us

How Can You Make Your Offer Stand Out?

The Spring Mortgage Team Podcast with Rob Spring ·

2017/03/30

Standing out as a buyer can be tough in a seller’s market. Here are three ways to make it easier. When competing for a home in a seller’s market, you need to do everything you can to help your offer stand out. Here are three surefire ways to make your offer more attractive to sellers in this type of market: 1. A professionally written offer. This means no mistakes and no questions left for the listing agent to ask. The No. 1 pet peeve of listing agents is a sloppy offer. Listing agents hate

en-us

Have You Heard of Our New Down Payment Assistance...

The Spring Mortgage Team Podcast with Rob Spring ·

2017/02/08

We’ve developed an in-house down payment assistance program that can help clients who previously wouldn’t have been able to afford a down payment. Today I want to share some exciting news regarding down payment assistance. In the past, we’ve had clients that didn’t quite have enough money saved for a down payment. In response to this, we’ve developed an in-house down payment assistance program for up to 3.5% of the sales price. The credit qualifications are minimal and the income caps

en-us

Why Is It Important to Choose the Right Lender?

The Spring Mortgage Team Podcast with Rob Spring ·

2016/11/17

Choosing the wrong lender can lead to a home sale not closing on time and other unwanted scenarios. Luckily, whether you’re a buyer or a seller, there are steps you can take to ensure this doesn’t happen. Why is choosing the right lender critical if you want to close on time? For one thing, statistics show that not choosing the right lender can be disastrous. Every month, mortgage services provider Ellie Mae produces a report they call the “Origination Insight Report.” In this report, they

en-us

The Role of a Home Loan Processor

The Spring Mortgage Team Podcast with Rob Spring ·

2016/09/23

As your processor, my job is to package your loan for the underwriting. I'll reveal all the documents you've already sent to your loan officer and I'll request anything else we might be missing so we can be sure we have all necessary documents. It's very important to know who your insurance agent is. Next, I'll order all of our third party things like verification of employment, tax transcripts, title, appraisal, and insurance. It's very important that you know who your insurance

en-us

This Loan Is Ideal for Fixer-Upper Buyers

The Spring Mortgage Team Podcast with Rob Spring ·

2016/08/25

/*Quote Box --------------------------------------*/ .quote-box{ display: block; margin: 20px auto 20px 40px; background: url(https://s3.amazonaws.com/vyralmarketing/vyral-marketing/quotation.svg) no-repeat; background-size: contain; } .quote{ margin 0; display: none; } .left{ padding-top: 10px; float: left; display: none; } .right{ padding-bottom: 10px; float: right; display: none; } .quote-text{ font-size: 25px; margin: 0; padding: 0; color:

en-us

Save Money on Your Home Without Refinancing

The Spring Mortgage Team Podcast with Rob Spring ·

2016/08/03

/*Quote Box --------------------------------------*/ .quote-box{ display: block; margin: 20px auto 20px 40px; background: url(https://s3.amazonaws.com/vyralmarketing/vyral-marketing/quotation.svg) no-repeat; background-size: contain; border: none; } .quote{ margin 0; display: none; } .left{ padding-top: 10px; float: left; display: none; } .right{ padding-bottom: 10px; float: right; display: none; } .quote-text{ font-size: 25px; margin: 0; padding: 0;

en-us

How You Can Protect Your Transaction When Buying in...

The Spring Mortgage Team Podcast with Rob Spring ·

2016/07/12

Apply Online Book an Appointment Protect Your Transaction (PYT) is a $10,000 closing assurance program. We’re so confident in our loan approval that we’re willing to put that kind of money on the line for our clients. This kind of assurance makes your offer really stand out in the seller’s eyes, which is crucial in this busy market. If you have any questions about this program, or any real estate topic, please don’t hesitate to reach out to us. We would love to hear from you!

en-us

Our Dedication Sets Us Apart

The Spring Mortgage Team Podcast with Rob Spring ·

2016/05/26

Are you ready to Apply for a Home Mortgage? Our team here at Spring Mortgage is different in a lot of ways. Most of the work we do is behind the scenes, but we wanted to share some of that with you today. Here’s how we differentiate ourselves from the pack: Knowledge. We know the business, including all the guidelines and how to make things work in an ever-changing mortgage world. Flexibility. We have home loans for everyone. Whether you need to buy a mansion with a super jumbo loan,

en-us

Be Prepared When Applying for a Mortgage

The Spring Mortgage Team Podcast with Rob Spring ·

2016/05/23

Are you ready to Apply for a Home Mortgage? If you’ve ever applied for a mortgage, you know how much documentation is needed. If not, it’s important to know exactly what you’ll need to keep the process going smoothly. Your type of income determines the documentation you’ll need to provide in most cases. If you’re a W-2 employee (taxes are taken out of your paycheck) will need two years of W-2 forms, and if you rental property or commissionable income, or your bonus exceeds 25% of your

en-us

16 results

The Spring Mortgage Team Podcast with Rob Spring

All Episodes

Similar Podcasts

Science Talk

Albert Einstein College of Medicine

五分钟心理学

柠檬心理

Daily Facts

Amalia Dupray and Montgomery Jones.

Les dents et dodo

BFMTV

Veterinary Clinical Podcasts

The Royal Veterinary College