September 2018

Found 3 blog entries for September 2018.

As an active duty service member, Veteran, or surviving spouse of a Veteran, you have sacrificed and served our country well. Fidelity Bank Mortgage appreciates your service! We’re here to thank you for your sacrifice and contribution with our VA loans. You deserve the home of your dreams and we offer a VA loan that can help you get there.

What is a VA Loan?

A VA loan is insured by the U.S. Department of Veterans Affairs and issued by VA approved lenders. This government guaranteed loan enables these approved lenders to lend with more flexible and lenient qualifying guidelines. Since this military loan guarantee program was first created in 1944, more than 20 million Veterans and their families have been helped with affordable home financing.

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As a result of the Financial Crisis, there have been many changes made to how appraisals are performed.  The reality is that lenders usually do not have the ability to order an appraisal directly from the appraiser.  They are now required to contact an Appraisal Management Company to order an appraisal. 

The Process

Once the lender has ordered the appraisal for the AMC, the AMC assigns the appraisal to an appraiser.  Once an appraiser is confirmed, the appraiser will reach out to the listing or selling agent.  I always make sure that I am the contact for the appraiser; whether representing the Buyer or the Seller.  Once the appraiser reaches out to confirm an appointment; I always meet the appraiser at the home.  Once the appraisal is

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I am frequently asked by homeowners for suggestions on how to maintain their home or what they need to do as preparation to sell their home. I always recommend a pre-listing inspection because you don’t end up having to renegotiate the price after the buyer has an inspection done. However, in these tough economic times people’s budgets are tight so here is a checklist of some things to look at.

  • Clean the gutters and remove debris from the roof. Example: pine straw collecting in the valleys, small tree limbs.
  • Remove tree limbs overhanging the roof and or limbs with direct contact to the roof shingles.
  • Remove grade or pine straw/mulch from contact with siding. Provide a minimum 6” clearance between the ground and sill plate to prevent water
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