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Ep. 36 John Charlton The Mortgage Guy
Manage episode 255410201 series 62684
In this episode Realtor Adam Kruse and Realtor Shannon St. Pierre talk to John Charlton The Mortgage Guy. Find out why John almost never sees a contract in the St. Louis area without concessions from the seller .
Email Questions To: PODCAST@HERMANNLONDON.COM
Host - Adam Kruse https://hermannlondon.com/realtor/adam-kruse/
Shannon St. Pierre https://hermannlondon.com/realtor/shannon-st-pierre/
Lender John Charlton https://www.facebook.com/TheMortgageGuySTL/
ITUNES-http://goo.gl/rs1q9X
Blog-https://hermannlondon.com/podcasts/
Website http://hermannlondon.com/
Producer - Joey Vosevich
Theme Song by Trastornobeats
3:00 Agent tips and tricks from a recent deal
4:00 Shannon is working on a lease/purchase deal
8:30 What’s the first thing to do when deciding to buy a house
9:00 How are the rates
13:30 The markets were already prepared for the tax reform bill
11:40 6.5 used to be considered a good rate
14:25 What is a 1031 like kind exchange
17:00 Closing costs credits and changes to the Realtor contract
18:00 John Charlton almost never sees a contract without concessions from the seller
19:00 Denver is a seller’s market and John almost never sees concessions
20:25 Special wording on the VA Rider
21:25 Banks don’t charge bank fees on VA Loans. It’s meant to be 100% free financing
22:33 A VA Loan is a sweet deal and all military personnel need to be looking into it
23:00 3% closing cost is a good benchmark unless the home is over $250,000
26:21 What are the credit thresholds
30:00 People with damaged credit need to know they can fix it. It’s an algorithm, not voodoo
30:30 Can you get a loan with no credit
31:15 The ideal buyer has a credit score higher than 750
31:50 What is the minimum credit score
32:03 Buyers want to know what they can afford
32:42 Don’t avoid talking to a lender if you have bad credit. They could be helping you fix it
33:13 A lender wants to know what the buyer is paying now and if current home fulfills needs
35:26 A Realtor doesn’t want or need to know how much the client makes
37:07 A safe harbor in U.S is 43% of income can go to a mortgage
39:49 What is a bridge loan
43:38 When is a reverse mortgage a good idea
45:20 Is it still a good time to refinance
46:32 How to get rid of PMI (private mortgage insurance)
47:00 Recasting a loan on a shorter mortgage
48:38 What is the rate difference between a jumbo loan and a 30 year fixed
50:57 Why do refinancing terms vary by lender
75 episodios
Manage episode 255410201 series 62684
In this episode Realtor Adam Kruse and Realtor Shannon St. Pierre talk to John Charlton The Mortgage Guy. Find out why John almost never sees a contract in the St. Louis area without concessions from the seller .
Email Questions To: PODCAST@HERMANNLONDON.COM
Host - Adam Kruse https://hermannlondon.com/realtor/adam-kruse/
Shannon St. Pierre https://hermannlondon.com/realtor/shannon-st-pierre/
Lender John Charlton https://www.facebook.com/TheMortgageGuySTL/
ITUNES-http://goo.gl/rs1q9X
Blog-https://hermannlondon.com/podcasts/
Website http://hermannlondon.com/
Producer - Joey Vosevich
Theme Song by Trastornobeats
3:00 Agent tips and tricks from a recent deal
4:00 Shannon is working on a lease/purchase deal
8:30 What’s the first thing to do when deciding to buy a house
9:00 How are the rates
13:30 The markets were already prepared for the tax reform bill
11:40 6.5 used to be considered a good rate
14:25 What is a 1031 like kind exchange
17:00 Closing costs credits and changes to the Realtor contract
18:00 John Charlton almost never sees a contract without concessions from the seller
19:00 Denver is a seller’s market and John almost never sees concessions
20:25 Special wording on the VA Rider
21:25 Banks don’t charge bank fees on VA Loans. It’s meant to be 100% free financing
22:33 A VA Loan is a sweet deal and all military personnel need to be looking into it
23:00 3% closing cost is a good benchmark unless the home is over $250,000
26:21 What are the credit thresholds
30:00 People with damaged credit need to know they can fix it. It’s an algorithm, not voodoo
30:30 Can you get a loan with no credit
31:15 The ideal buyer has a credit score higher than 750
31:50 What is the minimum credit score
32:03 Buyers want to know what they can afford
32:42 Don’t avoid talking to a lender if you have bad credit. They could be helping you fix it
33:13 A lender wants to know what the buyer is paying now and if current home fulfills needs
35:26 A Realtor doesn’t want or need to know how much the client makes
37:07 A safe harbor in U.S is 43% of income can go to a mortgage
39:49 What is a bridge loan
43:38 When is a reverse mortgage a good idea
45:20 Is it still a good time to refinance
46:32 How to get rid of PMI (private mortgage insurance)
47:00 Recasting a loan on a shorter mortgage
48:38 What is the rate difference between a jumbo loan and a 30 year fixed
50:57 Why do refinancing terms vary by lender
75 episodios
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