Home Ownership and Mortgage Video Blog with Kathy Lamb
9 episodes - English - Latest episode: almost 8 years ago -Learn Tips, tricks and more educational material from Ohio and Kentucky's own Mortgage Expert - Kathy Lamb
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Episodes
10 Reasons The Kathy Lamb Team Stands Out In the Mortgage Crowd
July 12, 2016 17:49Click Here for a Mortgage Application Click Here for a Pre-Qualification Request I’ve been servicing Ohio and Kentucky for the last 12 years, so I understand that when it comes to hiring a mortgage professional, you have many choices. I wanted to take some time to let you know how and why we are different from other mortgage professionals. We’re absolutely able to provide competitive rates and cost, but our client-focused service is what really sets us apart. Not only will we save you t...
Handling the American Flag This July 4th
June 27, 2016 19:08Click Here for a Mortgage Application Click Here for a Pre-Qualification Request It’s that time of year again! That time of year our American pride will be shown by waving the American flag, hanging it on our homes, boats, bikes, buildings, and cars. It’s easy to forget, though, the proper way to handle and hang the American flag. I thought this would be a good time to review the top practical ways to respectfully honor Old Glory. Orient it correctly. The field of stars should always be ...
The Home Ready Loan Is a Great Option
June 09, 2016 16:01Click Here for a Mortgage Application Click Here for a Pre-Qualification Request There is a conventional loan program out there that allows for minimum down payment and reduced mortgage insurance, and it’s not just for first-time buyers. It’s called a Home Ready loan. Cash is a big obstacle for nearly all home buyers. Fannie Mae’s Home Ready loan program was created to help low-to-moderate income buyers with decent credit buy or refinance a home. You don’t need to be a first-time buyer,...
Keep Your Family Safe with these Simple Tips
May 13, 2016 19:53Click Here for a Mortgage Application Click Here for a Pre-Qualification Request Keeping your property and your family safe is no longer as simple as locking doors and installing a security system. There are some other simple things that you can do to keep your loved ones safe: Change your door locks when you move into your home. Even if you haven’t just moved in, if you feel that maybe your security has been compromised, this may be a very good idea. Upgrade your door’s security while...
Pre-Approvals vs. Pre-Qualification
May 03, 2016 20:21Click Here for a Mortgage Application Click Here for a Pre-Qualification Request What’s the difference between a mortgage pre-qualification and a pre-approval? Both terms are used interchangeably, but they are actually quite different. A pre-qualification is simply verbal information taken over the phone or maybe online by your lender. They’ll ask about income, employment, and assets. A pre-qualification also includes a credit report. “ Don’t look at homes without a pre-approval. ...
Fun and Practical Ways to Spruce up Your Home for Spring
April 20, 2016 17:38Click Here for a Mortgage Application Click Here for a Pre-Qualification Request Spring is already here, and I have some tips to help make your home look its best and brightest. Today I’ll be talking about some of the improvements that you might want to install in your home. One thing that I have recently done is to install USB outlets into our electrical outlets. This means we’re not scrambling to find chargers all the time. This isn’t a spring thing, but it’s very convenient and some ...
Blue Jeans and Mortgages: It’s All About the Fit
April 07, 2016 21:26Click Here for a Mortgage Application Click Here for a Pre-Qualification Request Often, when I start working with a borrower, I hear comments like, “My coworker is refinancing, and they’re getting a fixed-rate mortgage,” or, “My sister bought a house last month and she got an FHA mortgage, so that’s what I should get.” And then there’s dad, who says, “I should get a rate of 3.75.” In other words, people often come to me asking about a specific loan program solely because someone else in t...
What Can You Expect When Borrowing in Ohio and Kentucky ?
March 14, 2016 19:22Click Here for a Mortgage Application Click Here for a Pre-Qualification Request If you’ve gotten a mortgage in recent years, you know that a lot has changed. The mortgage process today is far different from what it was 5-10 years ago: everything is much more scrutinized and guidelines have tightened significantly. However, the biggest issue that gets people into a tailspin isn’t these things, it’s the seemingly endless requirements for documentation. It’s important that expectations ar...
How Can You Aggressively Pay Down Your Mortgage?
February 22, 2016 16:37Click Here for a Mortgage Application Click Here for a Pre-Qualification Request Today we are going to answer a question I’m asked quite often, “How do I aggressively pay off my mortgage?” Before answering this question, it’s important to answer a few questions for yourself prior to paying off your mortgage. Ask yourself these three questions: Are all of your credit cards paid off? The lower the debt you have, the more aggressively you can pay your mortgage off. Do you have an emergency...