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11. Letters Of Reference
(Ask The Expert/Ask The Expert)
Author : Dave Hershman
Q: What would be the best way to present letters of references to potential clients? Pete Brown, California A: I often talk about differentiating yourself from your competition so that you are not focusing upon your rates or pr...
04/30/2007 | Read more...

12. What is Stated Income
(Ask The Expert/Ask The Expert)
Author : Dave Hershman
Ask The Expert Q:I would like your opinion on what is stated income.  It seems to me that many loan officers treat stated income to mean inflated income. I understand there are legit situations where this method may make sense. Howev...
04/22/2007 | Read more...

13. Mortgage Tax Auditors
(Ask The Expert/Ask The Expert)
Author : Administrator
Q:It seems this question of whether a file needs a 4506T or not run rampant throughout our industry when it comes to stated income (whether assets are verified or not) loans. The standard answer on conventional / conforming loans is (yawn!) "The...
01/22/2007 | Read more...

14. HELOCS
(Ask The Expert/Ask The Expert)
Author : Dave Hershman
Q: It seems as though credit unions and national banks have access to different mortgage/HELOC programs than I do.  My clients are told by their bank that they can pull money out of their existing primary residence long before the 12 month seaso...
11/26/2006 | Read more...

15. Nervous (Part 2)
(Ask The Expert/Ask The Expert)
Author : Dave Hershman
Part two of responding to this question…. Q: I am starting to get nervous about my position.  I love what I do and I did work when the market was not so good.  I guess my main worry is so many refinanced a...
11/26/2006 | Read more...

16. Nervous (Part 1)
(Ask The Expert/Ask The Expert)
Author : Administrator
Q: I am starting to get nervous about my position.  I love what I do and I did work when the market was not so good.  I guess my main worry is so many refinanced at such a low rates and would we ever have rates like that again?  Will w...
10/11/2006 | Read more...

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