48 Meriden Rd, Suite 1, Middlefield, CT 06455

Category: Purchase

Make your offer stand out with an Appraisal Waiver

What is an Appraisal Waiver? An Appraisal Waiver is when you qualify to skip the appraisal process when obtaining a mortgage. Why is this a big deal when putting in an offer to buy a new home? It tells the seller that there is no risk of the home appraising lower than your offer price…
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6 Ways I Can Help You Sell More Houses

6 Ways I Can Help You Sell More Houses Can a loan originator help a Realtor sell? Realtors and home loan experts may work in the same industry, but they’re anything but competition. In fact, because of the distinct assets that both roles bring, loan originators and real estate agents often work better together. At…
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How to Avoid Fake Pre-Approvals

How to Avoid Fake Pre-Approvals By Selena Boyts   You receive a call from an enthusiastic and considerate representative claiming to have an attractive pre-approved loan offer. Before getting too excited, pause and think before you act. More often than not, such calls are made by fraudsters or lenders trying to pull a fast one.…
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Why is it important your Pre Approval Letter has been “Verified”?

One of the most important components of a prospective homebuyer’s offer is the Pre Approval Letter.  As our culture has evolved to a have-it-now mentality some online lenders have begun to take shortcuts.  These online lenders and banks have started to issue pre-approval letters simply to win over a borrower’s business without really doing a…
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HOME BUYER’S CHECKLIST for   1ST TIME HOME BUYERS √ Get Pre-Qualified with a Broker! Your first move when entertaining the idea of purchasing a home is to find a broker like myself. When you reach out I can answer any questions you may have and we can begin working together to get your base line…
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“Lifestyle Renting” No More

Pandemic Turns Renters into First Time Owners for Comfort, Feeling of ‘Home’ Do you rent, or you plan on working towards home ownership? Why, or why not? Renters have had their ideas about home ownership challenged by the pandemic as they have had to spend more time at home working, at-home schooling, and quarantining. In…
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The Dos and Don’ts when applying for a Home Loan

Do Get prequalified Check your credit report Continue paying your current monthly bills, including rent and utilities Pay all your bills on time: Important to be current Continue making purchases as usual: Banks love consistency, and continuing normal patterns of credit use gives banks a good idea of your spending routines Ask your lender questions:…
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Tips on a smoother closing: ASSETS

Seasoned Assets, Sourcing Large Deposits and Gifts: The best thing to do is to keep your money stationary in its original accounts. It is also important to not to move any major amounts around and to not deposit cash on hand into any accounts within your mortgage process. Definitions A Large Deposit is considered a…
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Once you’ve received a pre-approval from your loan officer and are aware of all the costs involved and what you can afford, it’s time to begin your search for a home. FINDING A REAL ESTATE AGENT Your real estate agent is a valuable partner in the homebuying process. He or she will help you find…
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No Money Down Options

Navigating both low and no money down payment programs can be difficult and often confusing for new and experienced home buyers.  Here at Northeast Financial LLC we have several options available to the public. Are you a veteran that serviced for our armed forces?  If so ask us about our 100% VA Financing for both…
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