www.mariejfleming.com

  After 10 years as a private mortgage/hard money direct lender, I have dealt with over one thousand commercial mortgage brokers. The most successful ones approach their business uniquely different than the unsuccessful and middling ones. I have broken down these ‘success’ approaches into 5 categories 1.      The high income earners specialize; the mediocre earners take everything that comes…

Tips For Getting Your Home Sold during the holiday season

So you’ve decided to list your home this winter. Perhaps you’ve had a job change, need to relocate out of the area, or have financial or family reasons for moving. No matter what is driving the move, you may be concerned about selling at this time of year. But just because you missed the boat on the spring selling season doesn’t mean you can’t get your home sold quickly, and for a profit. A few…

Refinance and Skip a Mortgage Payment to Help Buy Christmas Gifts and Save!

This post is for those homeowners that already have a pretty good idea that their current interest rate is high enough that today’s rates incorporated in a refinance would save them tons of money over the next coming years, but need more motivation.  The overlay is, it’s not enough for some people to just make a great saving on their monthly payment, but they need more motivation.  So many people…

As Hurricane Irma was busy ravaging the Sunshine State, criminals were also busy planning their attacks.

I sure hope the police are already out there preparing to make a host of arrests in South Florida, because the vermin who use tragedy as a cover for their crimes deserve the harshest penalties we can throw at them. As Hurricane Irma was busy ravaging the Sunshine State on Sunday, criminals were also busy planning their attacks on the innocent victims left helpless by the storm. Even with police…

HARP extended through 2018 Refinance program previously set to end next month

The government’s Home Affordable Refinance Program was all set to end next month, September 30, to be exact, but that’s not the case anymore.  The Federal Housing Finance Agency announced Thursday that it is extending HARP through Dec. 31, 2018, adding an additional 15 months onto the program’s already extended lifespan. In June 2014, then-Department of the Treasury Secretary Jacob…

Luxury Home Prices Up 7.5 Percent

Luxury home prices recorded a year-over-year boost of 7.5 percent during the second quarter and reached an average of $1.79 million, according to data released by Redfin. In comparison, the average price for non-luxury homes was $336,000, up seven percent year-over-year—and this marks the first time since the fourth quarter of 2014 that luxury homes had stronger price growth than homes in the…

1 months rent buys you a home. Call to get pre-qualified today!

Marie J Fleming / United Wholesale Lending 3016 Beacon Blvd West Sacramento, CA. 95691 916-896-9373 [email protected]

Conflicting Views on Need for New Credit Scoring Models

Within hours of each other Laurie Goodman, co-director of the Urban Institute’s Housing Finance Policy Center, and Melvin Watt, Director of the Federal Housing Finance Agency, expressed quite different views on the need for an immediate change in the credit scoring models used in most mortgage underwriting. Goodman, writing in the Policy Center’s blog, talks once again about the tight credit…