Sandy Suite Loan Originator - NMLS #447894

02/14/2020

We love what we do. But we couldn't do it without you! Thank you for being our customers, our business partners and our friends. Thanks to you, we get to help and serve the community we love!

12/29/2019

You should really think this thru

11/26/2019

11/08/2019

We’ve been though divorces and babies and wakes,
We do for each other whatever it takes,
We’ve helped each other, through thick and through thin,
It’s the rule of the group—let everyone win.

So whenever you can, get out to eat.
Open a bottle of wine and forget your sore feet.
Laughing and crying, just let down your guard,
And when the bill comes, there are 10 credit cards.

So, at least one a month, don’t stay and quote rates.
Go out with your girlfriends, laugh and stay late.
And here’s to your girlfriends, near and far.
Here’s to the girlfriends, you know who you are!

09/03/2019

When you purchase new construction, the actual property taxes (if paid in arrears in that state) may be lower because those taxes were based on undeveloped land. The lender will qualify you based on the property taxes adjusted for residential use. Sometimes homebuyers are shocked to see how much their tax liability goes up after the first year of buying a new construction home, so lenders check to make sure the buyer will not experience payment shock when that happens.

07/30/2019

Typically, a condo is considered warrantable if:

No single entity owns more than the following number of units in the project
Projects with 5-20 units: 2 units
Projects with 21+ units: 20% of units
The project consists of just 2-4 units (project review is waived in this case, and, apparently, there is no restriction on how many units a single entity can own, but check with your lender to confirm)
The unit is a detached condo (shares no walls with other units but is legally classified as a condo)
For investment properties, at least 50% of the units are owner-occupied or second homes
For owner-occupied transactions, there is no owner occupancy requirement
Fewer than 15% of the units are 60 days or more in arrears with their association dues
The homeowners association (HOA) is not named in any lawsuits
Commercial space accounts for 35% or less of the total building square footage

07/11/2019

interesting article. call me if you want to discuss refinancing

New data by Black Knight shows 8.2 million homeowners with mortgages could now both benefit from and likely qualify for a refinance. Most significantly that in

07/02/2019

Are you ready for these buyers

What do Millennial Homebuyers Want?

07/01/2019

Call me to learn more about the programs