What do I look for in a realtor?

What do I look for in a realtor?

How do I find an agent?

How do I find an agent?

If I don't like the realtor I chose, am I stuck with them?

If I don't like the realtor I chose, am I stuck with them?

What do I look for in a mortgage advisor?

What do I look for in a mortgage advisor?

With all the lenders out there, How do I know I'm getting a good rate?

With all the lenders out there, How do I know I'm getting a good rate?

How do I know how much house I can afford?

How do I know how much house I can afford?

How does credit fit into the mortgage equation?

How does credit fit into the mortgage equation?

What are terms and closing costs?

What are terms and closing costs?

What is the difference between pre-qualifying and pre-approval?

What is the difference between pre-qualifying and pre-approval?

What do I look for in a realtor?

What do I look for in a realtor?

What types of mortgages are available?

What types of mortgages are available?

How does your mortgage decision relate to product?

How does your mortgage decision relate to product?

Introduction to Homeowners Insurance

Introduction to Homeowners Insurance

Buying A First Home

Buying A First Home

Investment For Beginners

Investment For Beginners

Investment Planning

Investment Planning

Best Investment Options

Best Investment Options

Investment Strategies

Investment Strategies

Investment Management

Investment Management

Business Planning

Business Planning

Business Planning - What is the best entity to use when starting a business?

Business Planning - What is the best entity to use when starting a business?

Business Planning – Advantages and disadvantages of LLC’s and S corps

Business Planning – Advantages and disadvantages of LLC’s and S corps

Business Planning – Non-Compete agreements

Business Planning – Non-Compete agreements

Business Planning – Top negotiating techniques for lease agreements

Business Planning – Top negotiating techniques for lease agreements

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Jeff Thomas

Mortgage Advisor, Family Lender

www.lendingsolutions.net  

703-830-9808

Jeff Thomas is a Mortgage Advisor and Financial Educator with Family Lender, Inc. located in Fairfax, Virginia. Jeff has seen the mortgage business change significantly in the 15 years he has been in the business. Changes such zero down loans, to relaxed underwriting guidelines to borrowing more than the house is actually worth on a purchase or refinance transaction. 

With the changes in the mortgage industry, Jeff has had to make changes in the way he performs his job. Jeff originally thought he was a loan originator, but after realizing the positive impact he could have on other peoples lives he made some basic adjustments to his business and now sees his position and career as a financial educator.

By taking the time upfront to get to know the people he serves, Jeff has been able to positively impact and improve the lives of the people he works with by providing relevant and timely advice. . This assistance comes in many forms, from insurance to painting to helping interview the right retirement professional. This core group of professionals allows Jeff to concentrate on providing the right advice for each person he works with.

Jeff is one of 200 people in the country that is both a Certified Mortgage Planning Specialist – CMPS and a Certified Liability Advisor – CLA. Jeff recently co-authored a book with Todd Ballinger, called “Borrow Smart Retire Rich”.  The principles addressed in the book will be covered throughout the video. 

Jeff hopes you gain insight on how to purchase and finance a home and hopefully you will find your time well spent and walk away with some information you did not know before.  Jeff Thomas, Where Advice Does Make A Difference!

 

With all the lenders out there, How do I know I'm getting a good rate?

Mortgage Advisor Jeff Thomas discusses how to know if you are getting a good rate from your lender.

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This series: 19,793 views

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Host: With all the lenders out there, how do I know I am getting a good rate? Jeff Thomas: The most frequent question that I get asked is kind of the variation of the same one it's what's the lowest rate you have and what is the fix rate for a 30 year fixed mortgage? What the rate for a 30 year fixed mortgage? The most important thing about that is that the lowest rate is either going to be on a one month ARM or a one year ARM and that might not be the best program for you. So when you are talking to your loan officer, listen to what they are saying and listen to what they are asking. They will actually tell you how you are going to be treated just by the questions. Again, they are going to ask you questions today on when you think you might move out of the house and you haven't even moved in yet. How do you think your income is going to go? Is it going up? Is it going down? Do you see kids in your future? Do you have college plans or are there college tuition? Is that looming over your head? All of these questions are going to point you towards the right loan officer. What I feel truly is the most important part of that is you have got to go with your gut. You have got - I haven't been wrong very often. So listen to what they are saying. Listen to what they are not saying. Then listen to your self. 1

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How does your mortgage decision relate to availability?

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