Ryan Ward, Mortgage Banker, what discount points are and when it makes sense to pay discount points on your home loan.
Discount points are pre-paid interest that you can pay upfront to your lender at closing in exchange for a lower interest rate. You will often hear of homeowners "buying down" the rate, which means they opted to pay discount points upfront to lower th ...
Ryan Ward, Mortgage Banker, explain Private Mortgage Insurance.
Private Mortgage Insurance, or PMI as its commonly called, is basically your lenders way of recovering their investment if you are unable to repay the loan. PMI is usually required when the buyers down payment is less than 20%. If the amount of the mortgage is more than 80% of what the home appraises for, th ...
Ryan Ward, Mortgage Banker, talks about what options are availible for people with credit problems.
Credit history and credit score are only one of the factors that are evaluated when somebody is applying for a mortgage. Now, somebody with a history of timely mortgage payments is going to have more financing options avalible, this does not mean that somebody with ...
Ryan Ward, Mortgage Banker, explains what lenders are looking at when you apply for a home mortgage.
While there are many factors that lenders will consider when evaluating your loan application. The following four areas are what will have the biggest impact on your application being approved or denied.
Ryan Ward, Mortgage Banker, gives his explanation of a Pre-Approval and why it is so important in today's real estate market.
When a potential home buyer gets pre-approved it means they have received a loan commitment from their mortgage company before making and offer on a property, based on review of credit and finances. Having a credit pre-approval shows sellers t ...
Ryan Ward blogs about the introduction of his new video blog or vblog as its called. Its candid. Its unedited. Its based 100% on the real life experiences Ryan has as a Mortgage Banker in Washington. We hope that you make this section your number 1 resource for mortgage information. Please share your thoughts by leaving a comment in the box bellow or by sending an e ...
Puyallup Real Estate and MLS Search. No obligation.
No obligation. Come on, what's the catch?
That's it. There is absolutely no catch!
Search thousands of homes for sale in the Puyallup area. Whether you're searching for a single family home, town house, condo, or duplex… It's all here and it's all available to you 24 hours a day, 7 days a week.
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Why in the heck would I hire you over the guy/gal down the street?
Aren't all you real estate agents the same?
It's a pretty common believe that real estate agents are more or
less the same. They are sort of like a commodity. If you've seen
one, you've seen them all.
They all dress alike. Drive the same types of cars. Say the same things at the same times. And over time, they all star ...
What if I'm not happy?
Before I can answer this question, I have to ask you a few
questions.
Are you the kind of person that wakes up in the morning just to say
"Great … I wonder crap I'm going to deal with today?"
Are you the kind of person that has trouble celebrating when you
horse only wins by a nose and not by a mile?
Are you the kind of person that would tell the head chef at a ...
How much to you charge?
Okay, here is a really good question that I get all the time…
And the answer is this… I don't charge any set commission rates.
The thought of charging a fixed rate of 5%, 6%, 7% or whatever percent on every home I list - regardless of the list price, condition of the home or amount of marketing that will be done to sell that home - just doesn't settle well with me.
...