by Athena Paquette | Mar 19, 2016 | Blog, Home Owners, Investors, Realtors
Sometimes a loan is more than just a loan, it’s freedom! A client, who has been a client now for 15 years, called to see if I could help because she was in a bind. She had co-signed for her son for credit and let her son use her credit cards to run his construction...
by Athena Paquette | Feb 27, 2016 | Blog, Home Owners, Investors, Realtors
My client who was referred by his accountant came in to see about a refi. He showed me his payment coupon and it said he had 3.625%. I asked him if was wanting cash out; he said no. So I asked him why he wanted to refinance when he has a good rate. He said that 4...
by Athena Paquette | Feb 27, 2016 | Blog, Home Owners, Investors, Realtors
No credit, no loan. FALSE! I had a client who was referred by their Realtor, whom I have never met and works in the valley. The client told me that they had been turned down because they have no credit score. The banks claimed that because there was no credit score,...
by Athena Paquette | Feb 19, 2016 | Blog, Home Owners, Investors, Realtors
Last year Mike was turned down for a loan because he wrote off too many expenses on his tax return. He also had had 3 months off because of an injury, and as a union worker did not get paid for that time off. He could have lowered the interest rate from 4.99% to 3.99...
by Athena Paquette | Jan 30, 2016 | Blog, Home Owners, Investors, Realtors
FHA loans are bad because they have PMI. FALSE. There are no good or bad loans; it depends on what’s right for you. I have client who recently called to refi. Their interest-only loan was about to become principal and interest with DOUBLE the payment they currently...
