Branding yourself

The 21st century will be about branding yourself

What is happening today in mortgage lending: Shirley Nault has been a mortgage professional for over 30 years. Visit her other mortgage web sites go to: www.naultfhatips.blogspot.com or www.dutips.blogspot.com

Salt Lake Tribune Reports "The Great Recession took 18k Bite Out of the Average Utah Home Price"

Recent article in the Salt Lake Tribune suggested it will be a while until we get our values back.  Do You think your value is back yet?

It's time to call the Nault Team 801-635-8797 or email Shirley Nault at Shirley.nault@snmc.com NMLS #435308 Check out our other blog and web site www.ultimelyhome.blogspot.com or www.getutahhomeloans.com 

100% Mortgage Financing Still Available

I am sure you've heard the talk or maybe seen it in the news that , mortgage loans are harder to get now days.   You maybe surprised to know with all that news that there still are 100% programs available.

Rural housing a government program allows 100% financing at a competitive rate.   Utah Housing a state program created by Utah state legislature to serve the public also provides 100% financing.   They have four different programs some programs are for first time homeowners only  First time homeowner is defined as anyone who has not owned a home in the last 3 years.  The rate are also competitive in fact as of today if you checked their website you would see that FirstHome program is 3.905.   If you are a veteran you can get 100% financing depending on your eligibility.  

The Nault team can help you get financing for Utah  property with any of these products give us a call at  888-296-6970  

The Nault team can help you get financing for Utah  property with any of these products give us a call at  888-296-6970   
What is happening today in mortgage lending: Shirley Nault has been a mortgage professional for over 20 years. Visit her other mortgage web sites go to: www.naultfhatips.blogspot.com or www.dutips.blogspot.com

Free Realestate 3 hour Core CE Class

What is happening today in mortgage lending: Shirley Nault has been a mortgage professional for over 20 years. Visit her other mortgage web sites go to: www.naultfhatips.blogspot.com or www.dutips.blogspot.com

What Your Money Buys you in 2013 vs 1981

What your money buys you in a house compared to 1981. I seen this on Facebook posted by Bryce Anderson





What is happening today in mortgage lending? Shirley Nault and Jody Erickson has been a mortgage professional for over 30 years. Visit our other mortgage web sites go to: Get Utah Home Loans or Ultimately Home or link us on Facebook

PreQualify vs PreApproval by Shirley Nault and Jackie Lance

 

What is happening today in mortgage lending?   Shirley Nault and Jody Crowther has been a mortgage professional for over 30 years. Visit our other mortgage web sites go to: Get Utah Home Loans or Ultimately Home or link us on Facebook

Removing irrelevant comments

 

Hi All, I just wanted to let you know that if you post comments that are not related to the mortgage industry, they will be deleated.  I love feedback and different opions but it is not helpful to me our my readers to post things that are not relevent. 

What is happening today in mortgage lending: Shirley Nault has been a mortgage professional for over 20 years. Visit her other mortgage web sites go to: www.naultfhatips.blogspot.com or www.dutips.blogspot.com

Interest Rates through 2042

What is in the future for mortgage rates? This could give us a clue. What is happening today in mortgage lending: Shirley Nault has been a mortgage professional for over 20 years. Visit her other mortgage web sites go to: www.ultimatelyhome.blogspot.com or www.getutahhomeloans.com

FHA Flipping Rule Extended

Good news for FHA lending the flipping rule waiver has been extended and more What is happening today in mortgage lending: Shirley Nault has been a mortgage professional for over 20 years. Visit her other mortgage web sites go to: www.ultimatetlyhome.blogspot.com or www.getutahhomeloans.com

2012 what lays ahead?

What is in store foe 2012 check this article out What is happening today in mortgage lending: Shirley Nault has been a mortgage professional for over 20 years. Visit her other mortgage web sites go to: www.ultimatetlyhome.com or www.getutahhomeloans.com

Home ownership in Utah

Utah home ownership among highest in the country What is happening today in mortgage lending: Shirley Nault has been a mortgage professional for over 20 years. Visit her other mortgage web sites go to: www.ultimatelyhome.blogspot.com or www.getutahhomeloans.com

Fannie Mae (FNMA) just announced the guidelines for the New HARP Program. Freddie Mac (FHLMC) also announced their guidelines for this program.  The Harp Program is designed to help property owners who are underwater.  Have questions give me a call or email me?


What is happening today in mortgage lending: Shirley Nault has been a mortgage professional for over 20 years. Visit her other mortgage web sites go to: www.ultimatelyhome.blogspot.com
or www.getutahhomeloans.com

Go figure...Law Makers increases loan limits for FHA but not FNMA or FHLMC

In mortgage business nothing is simple any more. Law Makers give approval for increase in loan limits for FHA but not FNMA or FHLMC. What do you think the reasoning behind this decision was?


What is happening today in mortgage lending: Shirley Nault has been a mortgage professional for over 20 years. Visit her other mortgage web sites go to: www.ultimatelyhome.blogspot.com or www.getutahhomeloans.com

Utility Cost Could Become a factor in Qualifying for a Mortgage

Could the cost of utilities become a factor in qualifing for your mortgage?  How do you think this will inpact qualifying borrowers?

What is happening today in mortgage lending: Shirley Nault has been a mortgage professional for over 20 years. Visit her other mortgage web sites go to: http://www.ultimatelyhome.blogspot.com/ or http://www.getutahhomeloans.com/

GSE Loan Limits Restored?

Could the GSE Loan Limits be restored?


What is happening today in mortgage lending: Shirley Nault has been a mortgage professional for over 20 years. Visit her other mortgage web sites go to: http://www.ultimatelyhome.blogspot.com/ or http://www.getutahhomes.com/

New VA Bulletin 26-11-17 Announcing Future VA Funding Fees

VA Bulletin in regards to Future VA Funding Fees looks like the lower VA Funding Fee will not happen.

What is happening today in mortgage lending: Shirley Nault has been a mortgage professional for over 20 years. Visit her other mortgage web sites go to: https://www.getutahhomeloans.com/ or https://ultimatelyhome.blogspot.com/

VA Loans, VA Funding Fee,  VA IRRRL

I Am Back, Harp Program Changes

I have been asked over the last year to come back and keep blogging. It is a lot of work and I wasn't sure I was really helping anyone. A recent conversation with a realtor made me believe this information is helpful. So for my realtor friends the biggest news this week is the new HARP changes, here is everything you need to know

http://www.fhfa.gov/webfiles/22721/HARP_release_102411_Final.pdf

You may have to copy and paste the link to your browser.

What is happening today in mortgage lending: Shirley Nault has been a mortgage professional for over 25 years. Visit her other mortgage web sites go to: www.naultfhatips.blogspot.com, www.dutips.blogspot.com, www.ultimatelyhome.blogspot.com and www.getutahhomeloans.com

Things Change

Life moves on. I found for me at this time working in the mortgage retail business fits better. I still maintain a blog, it's different type than this one. My current blog fits my retail clients better. You can check out my blog and you can also check out my website by going to:

http://www.getutahhomeloans.com/
http://ultimatelyhome.blogspot.com/



What is happening today in mortgage lending: Shirley Nault has been a mortgage professional for over 25 years. Visit her other mortgage web sites go to: www.naultfhatips.blogspot.com or www.dutips.blogspot.com

Final Post

Dear Lending Partners,

I want to let you know that I am making a career change! I am excited and really pleased to be staying with the Bank of Utah. They are a great company who is strongly weathering this recent financial storm. I have resigned as your account rep and will be taking a position at the bank as a retail loan originator.

Candice will be notifying you regarding who your new account rep will be. You can email her at cjorgensen@bankofutah.com

I want to thank you for your business and friendship over the past several years. I have made many friends!

The Bank of Utah does some originating on programs that are not offered on the wholesale side. For example, if you need a source for FHA 203K loans or construction loans and find that you have no outlets, I would love to help. Unfortunately, because of RESPA, I can neither pay nor can you receive a fee for the referral of a loan. However, I can promise you superior service for your clients. If you find you need my services, my email address is snault@bankofutah.com and phone number 801-635-8797 will remain the same.

I wish you the best and hope our paths cross in the near future.


Sincerely,


Shirley Nault


What is happening today in mortgage lending: Shirley Nault has been a mortgage professional for over 20 years. Visit her other mortgage web sites go to: www.naultfhatips.blogspot.com or www.dutips.blogspot.com

FHA issues Mortgagee Letter 10-13 and 10-15

FHA just issued mortgagee letter 10-15 and 10-13 both are to do with the appraisal and appraisers. Besure you review these two mortgagee leteers

What is happening today in mortgage lending: Shirley Nault has been a mortgage professional for over 20 years. Visit her other mortgage web sites go to: www.naultfhatips.blogspot.com or www.dutips.blogspot.com

FNMA releases 8.0 over the weekend

As a reminder, Fannie Mae will implement the Desktop Underwriter® (DU® ) Version 8.0 April Update the weekend of April 17, 2010. This release will include enhancements to DU Refi Plus™, support of new verifications requirements that are part of the Loan Quality Initiative, and implementation of the HFA Affordable Advantage™ community lending product in DU.

Highlights
• DU Refi Plus™ Enhancements: Updates that relate to borrower eligibility and verification requirements, and that provide added information.
• Updates to Social Security Number and Occupancy Verification Requirements: Some DU Potential Red Flag Messages will change to Verification messages that must be fulfilled before delivering the loan.
• Implementation of HFA Affordable Advantage: DU will now be able to underwrite this community lending product, and will issue a message on all HFA Affordable Advantage loan casefiles reminding lenders that they must have approval to deliver the loans to Fannie Mae. Note: Lenders should contact their state Housing Finance Agency to determine if they are offering HFA Affordable Advantage and to learn more about the product; mortgage brokers should contact their DO sponsoring wholesale lender.
• Miscellaneous Updates and Modified Messages
The Desktop Originator® (DO®)/DU Version 8.0 April Update Release Notes were issued in February 2010. For details, please refer to the DU Release Notes page or DO Release Notes page on eFannieMae.com.

What is happening today in mortgage lending: Shirley Nault has been a mortgage professional for over 20 years. Visit her other mortgage web sites go to: www.naultfhatips.blogspot.com or www.dutips.blogspot.com

FNMA Conducts National Housing Survey

FNMA conducts a national housing survey to gage the attitude of borrowers. You may find this interesting

What is happening today in mortgage lending: Shirley Nault has been a mortgage professional for over 20 years. Visit her other mortgage web sites go to: www.naultfhatips.blogspot.com or www.dutips.blogspot.com