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Chad Anderson
Beyond The LoanEpisodes
Chad Anderson
Beyond The Loan
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Here are your options when your Purchasing a Home and your Appraisal comes in Low or High. It all depends on the Seller and if you have an Appraisal Contingency in your contract.
Buying an Investment Property is easier than you think! Most people do not know that you only have to have a 15% down payment with a Conventional loan and 3.5% with an FHA loan. Chad goes over max Debt to Income Ratio allowed, minimum Credit Sc
Before you house hunt...Know Your Budget!Your budget involves more than your mortgage payment. Here are the main things you need to know that make up your monthly home buying budget. Before you get your heart set on houseBefore you
Here are some things that you may not know about maintaining a healthy Credit Score. These tips will help your borrowing eligibility, when you are ready to purchase or refinance a home.Do's and Don'ts:1. Disputing negative tradelines on your
Everyone knows to pay your bills on time, but here are some tips on how to actively increase your Credit Score. 1. Know when your Credit Card reports to the Bureaus so that it doesn't report a false balance.2. Get a Deletion Leter when you p
Don't get stuck in 1980's advice about your Mortgage that may not benefit you today. Here is a quick comparison of how a Refinance of less than 1% is beneficial and will save this person money over time. Calculate how quickly you will make your
Leverage your money to work for you, by considering your budget and being open minded when you are buying or refinancing a home. Every 10k that you finance is about $50 payment swing on your mortgage. You are not getting your bang for your buck
Home Buyers and Sellers: here is why you need a Realtor. The market is incredibly competitive and housing inventory is low. Sellers: maximize your dollar. Buyers: get access to houses before they go on the market and make sure the offer on you
Did you know that Cash Buyers can Refinance one week after closing to get 80% of their cash back? Even if you are paying cash, you can still leverage debt and historically low interest rates. Cash offers are beating out other offers in this com
Did you know that you have to have 12 months of overtime to qualify to purchase a home? Here is what you need to know about Covid-19 guidelines, declining bonus income, and how a Loan Officer will count your overtime.
Disputing Trade Lines on your Credit Report can actually impact you negatively. If you are Purchasing or Refinancing a home, it can impact how long your loan takes, how much paperwork you need. You will need to remove the Credit Dispute which t
When purchasing or refinancing a home, you will receive and sign a Closing Disclosure 3 days prior to your closing date. Here is how to read this document and be prepared for your Closings Costs, Escrow, and Property Taxes.
What to expect from the Housing Market in 2021. Volatility, Rates, Low Inventory, and what changes the Biden Administration will implement. Today I am joined by Megan Anderson of MBS Highway.
Author of The Money Hackers and CEO of Vested, Daniel P. Simon, joins Chad to chat about the future of Cryptocurrency and Big Tech. Is social data a good alternative to determine credit worthiness? Banks have data on how people actually spend t
Daniel P. Simon explains generational money ideals and what different age groups fear and prioritize. Digital adoption has been sped up because of Covid-19 causing banks to change quickly. Cryptocurrency is a decentralized currency with no inte
Remember Adjustable-Mortgage Rates from the housing crash? It's important to know that today's ARM's are different than they were. Based on your goals when buying a home, it might be helpful to reconsider a 3, 5, or 7 year ARM.
What are Contingencies when buying a home? Here is what you need to know to buy when the market is very busy. It's possible, but you may need to compromise - here is how to do it!
What's the catch? Read the fine print, be disciplined, don't get stuck in a Credit Card that looks appealing but will keep you in debt. Here are the three main Promotional Credit Cards and how they work.
Student Loans do not automatically disqualify you from Buying or Refinancing a Home. But, you will need to know what type of loan you may qualify for and the status of your Student Debt in order to be prepared. Today Chad Anderson covers Liabil
You may have heard of Construction Loans and HELOC (Home Equity Line of Credit)...but have you heard of a Renovation Loan? This is usually a faster process that involves less paperwork. This may be a great option for buyers looking in busy mark
After having to file for bankruptcy, Chad has become an expert on Rebuilding Credit. Here are ways that you may not know about to build up your Credit Score. Listen for more info on Secured Credit Cards, Installment Loans, Self-reporting, and h
Step by step of how to consolidate your debt. If you want to save money, gain financial freedom, and pay off your house faster...this is for you!
There is a lot of misinformation out there about how to purchase a home with Student Debt. Even lots of Loan Officers don't know or won't lay out all of your options. Become informed so that you can be the expert, know what questions to ask, an
Did you know you can count Alimony & Child Support as income to qualify for a home loan? It is not guaranteed, and with many payee's not receiving the full amount that's on the divorce decree, here is what you need to know.
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