“I Qualify for a Home Loan? REALLY?” – Home Buying Success Story
Posted on 20. Feb, 2010 by Scott Schang in Consumer Protection
I had to…I just had to do it….I have to share on subject of qualifying for a home oan. So here we go!!! I think that one of the biggest misconceptions that a lot of my clients have in the beginning of the home buying process is that they didn’t think that they can ‘qualify’. [...]
Avoid Property Tax Penalties from Filling out Escrow Forms Wrong
Posted on 18. Feb, 2010 by Scott Schang in Consumer Protection
The Preliminary Change of Ownership Form….Did You Know You Can Be Charged for Incorrectly Filling Out This Simple Form? The Preliminary Change of Ownership Report (or PCOR as it is known once you are in escrow) is defined as “A form that is to be completed by Buyer (transferee) prior to the transfer of subject [...]
Ray Homebuyer Changes His Name to Ray Homeowner
Posted on 05. Feb, 2010 by Christopher "Doc" Apodaca in Consumer Protection
A few months ago I wrote a post on CalPETR.com entitled “Ray Homebuyer Had to Change His Last Name: An Introduction“. In that post I described an all to common occurrence for good willed home buyers. In a nutshell, Ray believed he was going to buy a home and was let down by his home buying team. [...]
Brenda Borrower Gets Buffed By Big Bank
Posted on 05. Feb, 2010 by Christopher "Doc" Apodaca in Consumer Protection
This is a story about a specific case of a “Big Bank” not going the extra mile for a home buyer without perfect credit
Bad Credit …Is It Really That Bad?
Posted on 09. Jan, 2010 by Christopher "Doc" Apodaca in Consumer Protection
I was on the phone yesterday with a teacher from San Jose and she told me that Big Bank refused to work with her because she had bad credit, her score was too low (See “Brenda Borrower Gets Buffed by Big Bank“). When she told me her score was 599, I asked her what kind of [...]
Second Opinion Success Story!
Posted on 22. Dec, 2009 by Scott Schang in CalSTRS Teacher Loan
I love to share success stories! Here is a great success story from a home buyer that called me a few weekends ago looking for a “second opinion”. Thanks a million for sharing this Liam! After running into questions regarding a CalSTRS loan with another lender, I gave Scott a call after watching one of [...]
I want to Change the World – have I finally lost it?
Posted on 13. Dec, 2009 by Scott Schang in Consumer Protection
Am I too idealistic? Am I naive? Is it possible in today’s grown up world of cold hard truths? It is possible. Let me show you. The mortgage industry has earned the reputation of being greedy, unethical, sleazy – These are only a few of the PG-13 accusations leveled against a select group of bad [...]
Hiring a Lender and Real Estate Agent – Slide Show
Posted on 17. Nov, 2009 by Scott Schang in Consumer Protection
Hiring a lender and real estate agent too often means that many home buyers simply “end up” with the first person that they speak with without even asking for references! Because you’re not giving them check you feel obligated to work with them, even though they are not looking out for you and your family’s [...]
Important reason for preparing BEFORE you hire a Lender
Posted on 05. Nov, 2009 by Scott Schang in Consumer Protection
This is one important reason for preparing before you hire a lender or real estate agent. We put a lot of energy into trying to educate and empower home buyers in an effort to help folks be able to avoid being misled, misinformed or simply being treated as some lender or real estate agent’s big [...]
Ray Homebuyer Had to Change His Last Name: An Introduction
Posted on 09. Oct, 2009 by Christopher "Doc" Apodaca in Consumer Protection
Hello everyone, before I begin my inaugural post allow me to say that I am excited to be able to share the stories of those who have learned the hard way that education is empowerment. I have seen first hand what a lack of due diligence can cause, especially at home. Actually…within my own home [...]
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