Bob Sargent Mortgage Professional

Bob Sargent Mortgage Professional Mortgage Banking, Leadership

Whoever thought something so small could be so big? These tiny homes offer elegant designs and practical living space.
08/10/2016
Living Large in Small Spaces

Whoever thought something so small could be so big? These tiny homes offer elegant designs and practical living space.

Packed with stylish design and functional features, these petite pads prove that less really can be more.  From the experts at HGTV.com.

Mortgages typically aren't the center of party conversation. Yet, these stories make interesting fodder. For instance, i...
08/08/2016
8 Surprising Facts About Mortgages You'll Be Dying to Share

Mortgages typically aren't the center of party conversation. Yet, these stories make interesting fodder. For instance, in Scotland, people paint their front door red to signify they've paid off their mortgage.

You don’t see the words “fun” and “mortgage” in the same sentence very often. But we’ve rounded up a passel of interesting facts about home loans.

The stock market has a taken a hit with the Brexit vote, leaving some feeling less wealthy. However, mortgage interest r...
08/05/2016
Brexit Hits Home: Five Questions For The U.S. Housing Market

The stock market has a taken a hit with the Brexit vote, leaving some feeling less wealthy. However, mortgage interest rates will fall as more investors pour money into U.S. treasuries.

The global financial panic over the British vote to exit the EU has one silver lining for U.S. homebuyers—cheap loans. Here are the other ways it could impact the housing market.

Backing up your financial records is essential. Don't believe us? Here's what could happen to you if you don't back up y...
08/03/2016
The 4 Dangers You Face If You Don't Back Up Your Tax and Financial Records

Backing up your financial records is essential. Don't believe us? Here's what could happen to you if you don't back up your records.

Missing income tax records can cause massive problems. Good financial record keeping saves you both money and time. Know what important documents to keep.

Homes just got cheaper to finance causing a mini-refinance boom. Mortgage rates that were 3.625 percent have now fallen ...
07/29/2016
Brexit upheaval sends mortgage rates lower

Homes just got cheaper to finance causing a mini-refinance boom. Mortgage rates that were 3.625 percent have now fallen to about 3.25 percent.

The vote on June 23 by Great Britain to exit the European Union has sent bond prices soaring and mortgage rates lower.

Thinking of flipping a home? Gross profits for home flippers in this year's first quarter increased to $58,000, the high...
07/22/2016
House flipping heats up, creating 'home price pressure cooker'

Thinking of flipping a home? Gross profits for home flippers in this year's first quarter increased to $58,000, the highest level since 2005.

After cooling off in 2014, home flipping is on the rise again — its share of all home sales up 20 percent in the first three months of this year.

Finding and correcting credit report errors is important. Here's what to do.
07/21/2016
Bob Sargent of Element Funding » Avoid loan application surprises by checking your credit report

Finding and correcting credit report errors is important. Here's what to do.

You know that part of preparing to apply for a mortgage loan involves checking your credit report. You can get a free copy of your report every 12 months from each of the three major credit-reporting bureaus: Equifax, Experian, and TransUnion. So as your application date approaches, take advantage o...

Low down payments and closing costs are just the beginning of what an FHA loan can do for you. Ask us about this incredi...
07/20/2016
Loans

Low down payments and closing costs are just the beginning of what an FHA loan can do for you. Ask us about this incredible loan program!

FHA loans have been helping people become homeowners since 1934. How do we do it? The Federal Housing Administration (FHA) - which is part of HUD - insures the loan, so your lender can offer you a better deal.

If you've just purchased a new house, congratulations! Before you move in, be sure to stock up on these important items....
07/18/2016
9 Things Every New Homeowner Should Own

If you've just purchased a new house, congratulations! Before you move in, be sure to stock up on these important items. Remember, a prepared homeowner is a happy one!

What are the new home essentials? This list of tools every homeowner should have will prepare you for just about anything in your new home without spending a bundle.

Due diligence is one of the most important aspects in the home-buying process. Here's what you need to know.
07/15/2016
What Is Real Estate Due Diligence?

Due diligence is one of the most important aspects in the home-buying process. Here's what you need to know.

When buying a residential property, perform your due diligence to make sure you're getting what you paid for. Here's how.

If you've entered the exciting world of home buying, you know the possibilities are endless. There are all sorts of opti...
07/11/2016
What kind of Home? - Zillow

If you've entered the exciting world of home buying, you know the possibilities are endless. There are all sorts of options, from single-family homes and co-ops to condominiums and town homes. But just what defines each type of home, and how can you decide which one is right for you? Get the details by perusing this handy buying guide.

There are many different types of homes, but the vast majority fit into one of several broad categories. Depending on your particular situation, it may be best to focus on one of the following:

The big winners this year are homeowners, as rising U.S. home values push home-equity levels to an all-time high.
07/08/2016
Housing values push Americans' total wealth to record $88T

The big winners this year are homeowners, as rising U.S. home values push home-equity levels to an all-time high.

Rising home values helped push the overall wealth of Americans to a total of $88.1 trillion through the first quarter of this year – an all-time record. A $498 billion increase in residential real estate values nationwide drove the jump in wealth, offsetting a shaky stock market in the first thre

The Home Affordable Refinance Program helps borrowers who can't get approved for a refinance. See if you qualify:
07/07/2016
Bob Sargent of Element Funding » Been turned down for a refinance? Try this program

The Home Affordable Refinance Program helps borrowers who can't get approved for a refinance. See if you qualify:

You want to take advantage of today’s low interest rates, but you owe more on your home than it’s worth. There may be hope, however. If you’ve stayed current with your mortgage payments and your loan is owned by Fannie Mae or Freddie Mac, you may qualify for the federal government’s Home Affordable…

If you're in the single-family rental business, Flint, Mich., is the best city in the country for rental returns. Washin...
06/29/2016
Best U.S. Markets to Buy Single Family Rentals in 2016 Revealed

If you're in the single-family rental business, Flint, Mich., is the best city in the country for rental returns. Washington, D.C., is the worst. Where does your city rank?

Flint Michigan ranked as the top market in the U.S. for future growth in single family rental returns, while Washington D.C. ranked the lowest in annual gross rental yields.

Still unsure about buying a home? In the past four years, equity for home owners with mortgages has nearly doubled to $6...
06/24/2016
268,000 U.S. Homeowners Regained Positive Equity in Q1

Still unsure about buying a home? In the past four years, equity for home owners with mortgages has nearly doubled to $6.9 trillion.

268,000 U.S. homeowners regained positive equity in Q1 2016, bringing the total number of mortgaged residential properties with equity at the end of Q1 2016 to approximately 46.7 million.

Looking to buy a home? Your credit score and debt to income ratio might be holding you back. Get ahead of your debt and ...
06/22/2016
So You Wanna Buy a House? Step 1: Clean Up Your Credit Score

Looking to buy a home? Your credit score and debt to income ratio might be holding you back. Get ahead of your debt and there will be no rolling of the dice.

Here's what you need to know about how to check your credit score and get it in good home-buying shape by spring.

VA loans are versatile, reusable and might be just what you're looking for. Here are the basics on getting started.
06/20/2016
Home Loans Home

VA loans are versatile, reusable and might be just what you're looking for. Here are the basics on getting started.

Main entry page for the VA Loan Guaranty Service.

If you're selling your home in a buyer's market, don't despair. Navigating the real estate competition in your area will...
06/15/2016
How to Survive a Buyer's Market: The Ultimate Cheat Sheet

If you're selling your home in a buyer's market, don't despair. Navigating the real estate competition in your area will be easier with this handy guide.

Selling your home in a buyer's market may bring flashbacks of a high school dance: You pretty it up, but your house sits on the sidelines largely ignored.

Are you taking part in the refinancing frenzy?
06/13/2016
Thinking About Refinancing Your Home Loan?

Are you taking part in the refinancing frenzy?

Mortgage lenders report a refinancing frenzy, and jumbo borrowers with higher balances are seeing their monthly payments decline the most.

It's typically not a good idea to use your retirement savings to pay off a mortgage.
06/10/2016
Should you pay off that mortgage before you retire?

It's typically not a good idea to use your retirement savings to pay off a mortgage.

What is clear is that there are a lot of variables, and there’s no one correct answer. So the simplest answer is: It depends.

Americans spend billions of dollars on remodeling projects in the spring and summer. Here are four ways to get the most ...
06/03/2016
Smartest Ways to Max Out Your Home's Value

Americans spend billions of dollars on remodeling projects in the spring and summer. Here are four ways to get the most out of your investment upgrades.

Staying put? These are the best moves.

You think you know all the tax benefits of mortgage loans, but make sure you take advantage of all the applicable deduct...
06/02/2016
Bob Sargent of Element Funding » Do you know all the mortgage-related tax deductions?

You think you know all the tax benefits of mortgage loans, but make sure you take advantage of all the applicable deductions:

If you’re looking at taking out a mortgage to buy a home, refinance an existing loan, or remodel your property, you analyze all the relevant monthly costs. But when you’re calculating the loan costs and other expected expenses, don’t overlook the potential tax benefits.

There are no signs of the housing market slowing. Existing-home sales continue to rise even as falling inventories and h...
06/01/2016
Despite Challenges, Existing-Home Sales Continue to Rise

There are no signs of the housing market slowing. Existing-home sales continue to rise even as falling inventories and higher prices challenge buyers.

The number of existing-home sales shot up 4.9% to 471,000 purchases in April, according to a recent report from the National Association of Realtors.

Can you really get a steal on a real estate deal? If you're in the market to buy a home and are intrigued by the possibi...
05/30/2016
Buying Foreclosures and Fixer Zillow Guide - Zillow

Can you really get a steal on a real estate deal? If you're in the market to buy a home and are intrigued by the possibility of investing in a low-cost foreclosed house or a property in disrepair, you may be onto something. But before you make an offer, get the facts with this handy discount buying guide.

"Free real estate!" "Save thousands on your next home!" "Make millions with no money down!!" Those ads and late-night commercials make it sound easy, don't they? The truth is, sometimes you can save money by buying a foreclosed home, but you need understand the process and determine whether the pote...

The list of top cities where millennials are buying homes includes: Provo, Utah; Madison, Wis.; and New Orleans, La.
05/27/2016
Where Millennials are buying homes

The list of top cities where millennials are buying homes includes: Provo, Utah; Madison, Wis.; and New Orleans, La.

Here are the top 10 markets where Millennials represented large shares of mortgages, according to Realtor.com

Lower mortgage rates continue to offer more buying power to home buyers, but lower rates also mean credit availability d...
05/25/2016
U.S. Mortgage Rates Hit 3-year Low; What Home Buyers Need to Know

Lower mortgage rates continue to offer more buying power to home buyers, but lower rates also mean credit availability declines.

This past Tuesday, U.S. mortgage rates hit a three-year low, and are predicted to stay low for the foreseeable future, says one top real estate economist.

Want to roll your energy-efficient upgrades and other improvements into your mortgage loan? Here are two ways you might ...
05/19/2016
Bob Sargent of Element Funding » Two mortgages that may pay for your home improvements

Want to roll your energy-efficient upgrades and other improvements into your mortgage loan? Here are two ways you might be able to do it:

Everyone wants to move into the perfect house. In reality, your dream home may not be a finished product when you buy it. While many mortgages won’t pay for improvements above the value of the existing home, here are two loan products that will.

Investing in real estate takes patience, money and work. Are you ready to be a landlord? Make sure you do your homework....
05/18/2016
4 questions to ask before investing in real estate

Investing in real estate takes patience, money and work. Are you ready to be a landlord? Make sure you do your homework. Here are four questions to start.

Ask yourself questions such as 'what are you looking for' before making the commitment to invest in real estate.

Higher home prices, fewer cash-buyers, and the rise of the suburbs are just some trends defining this summer's housing m...
05/16/2016
10 Trends Driving the Housing Market Now

Higher home prices, fewer cash-buyers, and the rise of the suburbs are just some trends defining this summer's housing market.

April showers bring May home sales?

Millennials are starting to embrace what other generations before them did -- marriage, kids and a home in the suburbs.
05/13/2016
A move toward three bedrooms and two baths

Millennials are starting to embrace what other generations before them did -- marriage, kids and a home in the suburbs.

Half of all millennial buyers are purchasing single-family homes in the suburbs.

Real estate vs. start-ups? Here's why one may present better investment opportunities than the other.
05/09/2016
Why Every Billionaire Invests in Real Estate

Real estate vs. start-ups? Here's why one may present better investment opportunities than the other.

This guide is going to show you some of the reasons you should be investing in real estate--and not just in startups.

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