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James Spray's Blog · 6M ago

Realtors: 2 Deals In 1 – The Purchase Reverse Mortgage

Realtors: 2 Deals In 1 – The Purchase Reverse Mortgage The Home Equity Conversion Mortgage for Purchase (HECM) is known in the industry as the H4P. The H4P is an FHA Insured reverse mortgage...
Mac Irion
Mac  Who is responsible for repairs after the mtge has been in effect -plumbing ,new roof electrical etc.?
James Spray's Blog · 11M ago

Reverse Mortgage Primer: A Realtor’s Notes

For Homeowners Over 62, a Reverse Mortgage Could Address Some Financial Needs Recently our agents and I received training on Home Equity Conversion Mortgages (HECM), better known a “reverse ...
James Spray's Blog · 1Y ago

A Reverse Mortgage to Buy a Home? Here’s How – WSJ

With a home-equity conversion mortgage, seniors can finance the purchase of a new home without monthly payments Source: A Reverse Mortgage to Buy a Home? Here’s How – WSJ
James Spray's Blog · 1Y ago

The Secrets To Building An Awesome Score

Use your credit cards properly to build an awesome FICO© Score. An awesome score will give you the best advantage for the best rates on insurance, credit cards, vehicle and other installment...
James Spray's Blog · 1Y ago

Romance and Credit Scores

In addition to getting the best employment and the lowest interest rate on everything financed, including credit cards, home and auto loans, the prime potential partners in the dating pool a...
James Spray's Blog · 1Y ago

Veterans Who Have Served Our Country Have Found The Reverse Mortgage Has Served Their Needs | Beth Paterson, CRMP, NMLS #342859 | LinkedIn

Source: Veterans Who Have Served Our Country Have Found The Reverse Mortgage Has Served Their Needs | Beth Paterson, CRMP, NMLS #342859 | LinkedIn
James Spray's Blog · 1Y ago

When it Comes to Credit Scores, Consumers are Confused

Every day consumers across America make important financial decisions, such as buying a first home. They monitor their credit score and, if necessary, take steps to improve it so that when t...
James Spray's Blog · 1Y ago

The 11 things your Realtor won’t tell you but should – The Washington Post

Buyers should consider that bigger houses mean bigger headaches and it’s not a good idea to think of your home as an investment. Source: The 11 things your Realtor won’t tell you but should ...
James Spray's Blog · 1Y ago

The 4 C’s of Credit

The following is written primarily for those wishing to obtain a mortgage. However the same dynamics apply to credit cards, vehicle loans, insurance, employment opportunities and even dating...
James Spray's Blog · 1Y ago

CFPB Rules Establish Strong Protections for Homeowners Facing Foreclosure > Newsroom > Consumer Financial Protection Bureau

If you are having trouble making your mortgage payment and if it appears you are going to have to miss payments, do yourself a great favor and contact a HUD Certified Housing Counselor for g...