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NMLS #330428

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**FEDERAL TAX CREDIT EXPIRES APRIL 30TH 2010**

April 28, 2010

The federal tax credit for home buyers is set to expire on April 30th 2010!! Buyers and Sellers need to be in a purchase contract by this date and the …

Read More**FEDERAL TAX CREDIT EXPIRES APRIL 30TH 2010**

Home Owners Associations with >= 15% of the Homeowners 30+ days delinquent on HOA dues

February 11, 2010

This is a huge problem for almost every condo association in Southern California now. With almost every condo owner who purchased or did a cash out refinance after 2003 upside …

Read MoreHome Owners Associations with >= 15% of the Homeowners 30+ days delinquent on HOA dues

Fannie Mae 8.0 DU Changes 12-12-09

December 9, 2009

During the weekend of December 12th, Fannie Mae will update DU to the 8.0 release. Some of the changes that will occur include: * Maximum DTI to 45% (50% in …

Read MoreFannie Mae 8.0 DU Changes 12-12-09

FHA Condominium Spot Approval Guideline Update

December 3, 2009

Mortgagee Letter 09-46a (Spot Approval Guidance) and 09-46b combined. (This is the first time they’ve ever had a 2 part letter). Here’s what you need to know: 46(a) – extends …

Read MoreFHA Condominium Spot Approval Guideline Update

Why we need to see your complete tax returns with all schedules

November 23, 2009

Here is why we always need copies  the borrowers last 2 years tax returns (as of this post 2007/2008 1040’s) We’ve had 2 files last week fall apart due to …

Read MoreWhy we need to see your complete tax returns with all schedules

VA Loans

September 12, 2009

Need to know information about VA loans (Loans for Veterans of the Armed Forces). 1.    Financing up to 100% 2.    Minimum FICO 620 3.    Ratios up to …

Read MoreVA Loans

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IET Capital NMLS #330428