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Chris Gummerson's Blog

STILL RENTING??? 3.5% Down rates in the 4's
Updated Oct. 24, 2014
Are you still renting? Do you feel like you are throwing your money away paying off someone elses mortgage? You could be owning your own property for what you are paying in rent. After the mortgage meltdown, housing prices were slashed by 50-75%, while rents stayed the same. For example, we just closed a loan in Los...
Struggeling with Bad Credit
Updated Oct. 9, 2013
Are you a homeowner who cant refinance your home due to credit scores too low? Are you trying to purchase your dream home and your low credit is holding you back? There are rumors that FHA lenders are loosening their guidelines. Which means if you clean up your credit now, you wont miss the best time to purchase a home...
***When is it a good time to refinance***
Updated Oct. 9, 2013
People often ask this question, when is the right time to refinance. The best time for any homeowner to refinance depends on so many variables. The most important question you can ask your self is how long do I plan on staying in my current home. If your answer is forever or for more than 7 years, then generally it is a...
***Self Employed - 1099 Borrowers***
Updated Oct. 24, 2014
I wanted to write this post to explain why some people who are self employed are finding difficulty obtaining a mortgage. Even a wage earner who writes off non reimbursed expenses can be affected. For a person who is self employed or a independent contractor, it is common to write off as much expenses as possible....

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