Primary Interview with Loan Originator / Branch Manager TJ Roberts -

Want To Learn About Lending Issues in this Housing Market? 

• Use These Real Estate Loan Strategies and Techniques to Achieve Smoother Home Sales.
• I have been interviewing real estate industry experts for 25 years.
• During that time, I have shared tips, mistakes, and examples from industry leaders. 

TJ Roberts has mastered all residential real estate lending levels for over 25 years. She has invested so many hours into her craft that I must share her knowledge with you.

Topic #1: Fixed Rate vs. Adjustable Rate Home Loans

Three different types of lenders:

• Banks
• Mortgage Brokers
• Portfolio Lender

Topic #2: Representing Homebuyers

Seller Concessions:

• Seller Contributions
• Buying Down the Interest Rate
• Pre-Paid Interest = Points
• Closing Costs  
• Alternative to Lowering List Price

Topics #3: Buydown the Interest Rate

• Permanent Buy Down
• Temporary Buy Down
•  Available on Fixed or Adjustable Loans 

Topic #4: Types of Loans

• Government Loans
• Veteran Home Loan Benefit
• Conventional Loan
• Jumbo Loans
• Conventional Loans

Topic #5: Mortgage Insurance 

• Monthly Mortgage Insurance (MMI)
• Private Mortgage Insurance (PMI)
• Not a Penalty. It is a Real Benefit

Topic #6: Interest Rate Lock

• When to Lock the Rate
• 30, 45, or 60 Days

Topic #7: Seller Contributions for Selling

• Increase Buyer Pool
• Fewer Days on market
• Better than Price Reductions
• In a Rising Interest Rate Market
• What Closing Costs

Topic #8: Loan Application Process

• Hard Pull Credit Reports
• Soft Pull Credit Reports
• Opt-Out Website
• Secured Portal
• Loan Processor
• Loan Underwriter

Topic #9: Appraisals

• Estimate of Value
• Trailing Indicator
• Recent Closed Sales
• Bracketed Value

Topic #10 Monies

• Earnest Money Deposit
• Balance of Down Payment

Topic #11: The Escrow Process

• Escrow Office
• Escrow Officer
• Title Officer
• Title Insurance

Topic # 12 Gift Money

• Change in Guidelines
• Borrowing from 401K
• Overseas Funds

Topic #13: Condition of Properties

• Presale inspections and Repairs
• Veteran's Administration
• Lenders follow the Contract
• Escrow Holdback

Topic #14: Mobile vs. Modular

• City Charter
• Entry Level
• Exit Housing
• Lending Differences
• Space Rent 
• Type of Foundation
• Consumer Loan in Park
• Real Estate Loan on Land Owned

TJ Roberts, Branch Manager

Mortgage Loan Officer 1457455

Email:   TJRoberts@prmg.net

Office: 408-660-3484

Direct: 408-802-8522

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Host: Realtor® Pat Kapowich

Realtor Pat Kapowich isn't just any agent; he's a Certified Trust and Probate Specialist, a Certified Real Estate Brokerage Manager, and has been a staunch advocate for consumer protection throughout his career.

Rooted in the vibrant heart of Silicon Valley, Pat operates out of his hometown, Sunnyvale, California. Reach out to his office at 408-245-7700 or drop him an email at Pat@SiliconValleyBroker.com. License: Broker# 00979413.

For up-to-the-minute housing market data tailored to your locality, access Pat's website for complimentary, real-time pricing and trend insights: https://www.siliconvalleybroker.com/market