Comments for NJ Real Estate | Bloomfield | Union | Edison | WoodbridgeNot Every Credit Score is Created Equal http://njretoday.com Office: 732-494-6800 Cell: 973-715-6210 Tue, 14 Feb 2012 18:25:50 +0000 hourly 1 http://wordpress.org/?v=3.3.1 Comment on Reasons Why Underwriting Holds Up Providing a Mortgage Commitment Letter by Angie Perez Realtor Edison, Union, South Brunswick http://njretoday.com/2009/12/reasons-why-underwriting-holds-up-providing-a-mortgage-commitment-letter/comment-page-1/#comment-8835 Angie Perez Realtor Edison, Union, South Brunswick Tue, 14 Feb 2012 18:25:50 +0000 http://njretoday.com/?p=828#comment-8835 Bob, on Feb 7th, I saw that you posted a question on njretoday.com regarding clearning mortgage conditions on your mortgage for a home purchase in PA on a VA loan. You are correct. In some cases, underwriting will ask the you to show proof that your student loans are in deferment. I apologize for the late response to your question as your comment was sent to our spam folder. I hope you loan was approved and that you are well on your way to purchasing your home. I can't say for certain as to whether or not this information will have to be verified wth the credit bureaus as each lender is different. What your report should show is that when you were making payments, if ever, your payments were on time. If you have any other questions, please feel free to reach out to me. http://njretoday.com 973-715-6210 Bob, on Feb 7th, I saw that you posted a question on njretoday.com regarding clearning mortgage conditions on your mortgage for a home purchase in PA on a VA loan. You are correct. In some cases, underwriting will ask the you to show proof that your student loans are in deferment. I apologize for the late response to your question as your comment was sent to our spam folder. I hope you loan was approved and that you are well on your way to purchasing your home. I can’t say for certain as to whether or not this information will have to be verified wth the credit bureaus as each lender is different. What your report should show is that when you were making payments, if ever, your payments were on time.

If you have any other questions, please feel free to reach out to me. http://njretoday.com 973-715-6210

]]> Comment on Reasons Why Underwriting Holds Up Providing a Mortgage Commitment Letter by bob http://njretoday.com/2009/12/reasons-why-underwriting-holds-up-providing-a-mortgage-commitment-letter/comment-page-1/#comment-8813 bob Wed, 08 Feb 2012 06:52:07 +0000 http://njretoday.com/?p=828#comment-8813 Thanks for posting the article, very helpful! What about deferred student loans? I provided the loan officer letters from my student loan holders showing the payments are deferred for more than 1 year. I just got word that I received my loan approval this evening, and I'm waiting for a call tomorrow to hear my "conditions". Should I expect them to ask for any further proof of the deferment's since I provided deferrment approval letters directly from the companies? The loan officer said they may "verify" it with the credit bureaus, but when I called and asked them, thet said they only show the loans as being deferred, but do not show a date... With that, I added a personal statement to all of my bureaus stating the date of the end of deferment. My approval is for a VA loan in Pennsylvania through PNC Bank. Thanks so much for the help! Thanks for posting the article, very helpful! What about deferred student loans? I provided the loan officer letters from my student loan holders showing the payments are deferred for more than 1 year. I just got word that I received my loan approval this evening, and I’m waiting for a call tomorrow to hear my “conditions”. Should I expect them to ask for any further proof of the deferment’s since I provided deferrment approval letters directly from the companies? The loan officer said they may “verify” it with the credit bureaus, but when I called and asked them, thet said they only show the loans as being deferred, but do not show a date… With that, I added a personal statement to all of my bureaus stating the date of the end of deferment. My approval is for a VA loan in Pennsylvania through PNC Bank. Thanks so much for the help!

]]> Comment on Not Every Credit Score is Created Equal by Angie Perez Realtor Edison, Union, South Brunswick http://njretoday.com/2012/01/not-every-credit-score-is-created-equal/comment-page-1/#comment-8745 Angie Perez Realtor Edison, Union, South Brunswick Sat, 21 Jan 2012 21:02:37 +0000 http://njretoday.com/?p=3115#comment-8745 Hi Sheryl, I ordered my free credit report last year just to check to see if I would have to deal with any inaccuracies. It's funny how companies have come to rely of this information to determine if you are good risk. I know a lot of my clients are very much interested in a rapid rescores, especially if they are considering buying a home and less than perect credit. Hi Sheryl, I ordered my free credit report last year just to check to see if I would have to deal with any inaccuracies. It’s funny how companies have come to rely of this information to determine if you are good risk. I know a lot of my clients are very much interested in a rapid rescores, especially if they are considering buying a home and less than perect credit.

]]> Comment on Buyer Beware Buying a Home From A Builder by New Zealand Property Management Software http://njretoday.com/2012/01/buyer-beware-buying-a-home-from-a-builder/comment-page-1/#comment-8742 New Zealand Property Management Software Sat, 21 Jan 2012 07:48:22 +0000 http://njretoday.com/?p=3096#comment-8742 Your blog is great. Two things I like about the post, one it is straight forward and two it does not attempt to promote anyone's position particularly. Great job Angie. Your blog is great. Two things I like about the post, one it is straight forward and two it does not attempt to promote anyone’s position particularly. Great job Angie.

]]> Comment on Buyer Beware Buying a Home From A Builder by Steve Shapiro http://njretoday.com/2012/01/buyer-beware-buying-a-home-from-a-builder/comment-page-1/#comment-8728 Steve Shapiro Mon, 16 Jan 2012 22:13:21 +0000 http://njretoday.com/?p=3096#comment-8728 Always ask to meet previous customers of your builder. Parsippany NJ 2012. Always ask to meet previous customers of your builder. Parsippany NJ 2012.

]]> Comment on Less than 100k by Devinder Singh http://njretoday.com/about/neighborhood-information/woodbridge/less-than-100k/comment-page-1/#comment-8715 Devinder Singh Thu, 12 Jan 2012 17:28:04 +0000 http://njretoday.com/?page_id=3059#comment-8715 I am looking for 3-4 family homes in Nice neiborhoods as an investment Bank owned only with Separate utilities in Newark, Edison and WoodBridge and Jersey City. I am looking for 3-4 family homes in Nice neiborhoods as an investment Bank owned only with Separate utilities in Newark, Edison and WoodBridge and Jersey City.

]]> Comment on Deed in Lieu of Foreclosure in Plain English by Specialization Wins Clients Content Marketing Tips | http://njretoday.com/2009/12/deed-in-lieu-of-foreclosure-in-plain-english/comment-page-1/#comment-8686 Specialization Wins Clients Content Marketing Tips | Tue, 10 Jan 2012 11:36:29 +0000 http://njretoday.com/?p=604#comment-8686 [...] njretoday.com, one blog post that generates a lot of traffic for me on a monthly basis is called Deed in Lieu of Foreclosure in Plain English. I wrote this post to attract short sale sellers. I add a video to the post; highlighted and [...] [...] njretoday.com, one blog post that generates a lot of traffic for me on a monthly basis is called Deed in Lieu of Foreclosure in Plain English. I wrote this post to attract short sale sellers. I add a video to the post; highlighted and [...]

]]> Comment on 2011 NJ Real Estate Market Forecast and Predictions by Devinder http://njretoday.com/2011/01/2011-nj-real-estate-market-forecast-and-predictions/comment-page-1/#comment-8679 Devinder Sun, 08 Jan 2012 21:06:33 +0000 http://njretoday.com/?p=1868#comment-8679 We are looking for Duplex/Trilplex and 4- Multifamily Apartments in Jersey City, Newark and Edison in NJ We are looking for Duplex/Trilplex and 4- Multifamily Apartments in Jersey City, Newark and Edison in NJ

]]> Comment on How to Write a Hardship Letter by Angie Perez http://njretoday.com/2010/12/how-to-write-a-hardship-letter/comment-page-1/#comment-8141 Angie Perez Fri, 16 Dec 2011 21:33:34 +0000 http://njretoday.com/?p=1928#comment-8141 Hardship Letter, can you provide me with examples of letters or templates homeowners can download? If yes, please email me or reach out to me at your convenience. Thanks and take care! Angie Perez Hardship Letter, can you provide me with examples of letters or templates homeowners can download? If yes, please email me or reach out to me at your convenience.

Thanks and take care! Angie Perez

]]> Comment on Wist List by What is a Home Buyer's Consultation and Why Do I Need One? | NJ Homes for Sale | Bloomfield | Union | Edison | Woodbridge http://njretoday.com/buy/wist-list/comment-page-1/#comment-7528 What is a Home Buyer's Consultation and Why Do I Need One? | NJ Homes for Sale | Bloomfield | Union | Edison | Woodbridge Sun, 11 Dec 2011 09:00:16 +0000 http://njretoday.com/?page_id=1454#comment-7528 [...] Wist List [...] [...] Wist List [...]

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