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Ep. 36 John Charlton The Mortgage Guy

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Manage episode 255410201 series 62684
Contenido proporcionado por stlouisrealtorpodcast. Todo el contenido del podcast, incluidos episodios, gráficos y descripciones de podcast, lo carga y proporciona directamente stlouisrealtorpodcast o su socio de plataforma de podcast. Si cree que alguien está utilizando su trabajo protegido por derechos de autor sin su permiso, puede seguir el proceso descrito aquí https://es.player.fm/legal.

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

  continue reading

75 episodios

Artwork
iconCompartir
 
Manage episode 255410201 series 62684
Contenido proporcionado por stlouisrealtorpodcast. Todo el contenido del podcast, incluidos episodios, gráficos y descripciones de podcast, lo carga y proporciona directamente stlouisrealtorpodcast o su socio de plataforma de podcast. Si cree que alguien está utilizando su trabajo protegido por derechos de autor sin su permiso, puede seguir el proceso descrito aquí https://es.player.fm/legal.

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

  continue reading

75 episodios

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