Andrew W. Conner, CMPS ®, CRMS ® 

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Mortgage Lending Today 


Mortgage lending is very different today than it was just a few short years ago. Qualifying for a mortgage is more difficult than in the past. Understanding your options is important to obtaining the best mortgage solution for your individual financial needs. There is a lot more to financing a mortgage than just filling out a standard generic application, asking what your interest rate is and being on your way. This may have been the attitude a few years ago and it eventually became a contributing factor to the economic collapse of 2008. Lending has changed; with updated guidelines, higher credit score requirements, as well as tolerances for debt based on income, employment and other economic concerns. Lending is constantly changing and your credit score has become the most important factor in determining what loan program and interest rate your personal financial situation may qualify for when it comes to getting a mortgage.


Everyone’s financial situation is different.   A loan strategy that works for one individual could make another person go into foreclosure.   Ignoring the strategy portion of the loan process can make the difference of whether you save just a few thousand dollars or tens of thousands of dollars over your lifetime.     


Something often overlooked is the need to understand, repair, and manage your credit before, during, and after the loan process.  If you don’t know what actions you need to take or you are misinformed, you could be forced to take a higher interest rate or worst case scenario not qualify for the mortgage.    


When shopping for a mortgage you need to focus on lender qualifications, education, and experience.  Financing options are also important.  Not all lenders offer all loan programs.  Being able to qualify based on a variety of options will give you flexibility in choosing the right loan strategy for your individual financial needs.  Having the right mortgage strategy can mean the difference of you building personal wealth for tomorrow or finding yourself struggling financially when it’s time to retire.   


Phone:  573-302-0600

Andrew W. Conner NMLS # 245474

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Mortgage Market Update
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 Foreclosure Help
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 Should You Build Or Buy An Existing Home
 FHA 203K Loan Program
 Is Your Lender Ignoring Mortgage Strategy
 Lender’s Secrets On Advertised Interest Rates
 Missed Opportunities In The Housing Market Part 3 Home Prices
 Missed Opportunities In The Housing Market Part 2 Interest Rates
 Missed Opportunities In The Housing Market Part 1 Financing
 Are National Averages Really Your Local Housing Market Trends
 Consumers Beware This May Harm Your Credit Score
 Can You Really Improve Your Credit Score In 30 to 60 Days
 Your Credit Score-What You Need To Know
 Test Your Mortgage Knowledge
 Investment Property Opportunities
 Don't Fear The Housing Market, Why You Should Buy Now
 How To Interpret Today’s Economic News
 When Should You Lock In Your Rate
 How To Protect Yourself From Higher Rates In The Future
 Adjustable Rate Mortgages Understanding The Risks
 The Key To Getting The Lowest Interest Rate
 Mortgage Lending Does Not Have To Be A Challenge
 The Real Strategies Of A Reverse Mortgage
 The Truth About Reverse Mortgages
 Protect Yourself From Identity Theft
 Should You Invest In Gold or Real Estate
 Should You Pay Cash For Your Home
 How To Pay Off Collections To Qualify For A Mortgage
 Will You Have To Pay Off Collections To Qualify For A Mortgage
 Why Some Lenders Are Not Lending Money Part 2
 Why Some Lenders Are Not Lending Money Part 1
 Advantages and Risks of Auto Pay and Auto Debit
 The Benefits of Mortgage Insurance
 What Investment Strategies Do You Apply To Your Mortgage
 What Is Your Mortgage Strategy
 You Can Qualify For A Mortgage-Updated Lending Guidelines
 How Inflation Affects Your Mortgage
 Loan Officer Licensing Deadline
 Real Estate Is Still A Good Investment
 How Much Will That Low Introductory Rate Cost You
 Rates So Low Can You Believe All Advertisements
 Should You Pay Extra Principal On Your Mortgage
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 The New Normal
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 Foreclosures, Short Sales, and Strategic Defaults
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 Foreclosures...Good Deal or Bad Deal?
 Financial Tips 2010
 Lending and Your Credit Score
 Reverse Mortgages
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