We now have a JUMBO loan up to $1.5 million with as little at 3.5% down… This is the lowest down payment on a jumbo in the industry!

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House-Hunting? Here Are Some “Don’t” Tips That May Be Helpful

Lingows Admin • May 24, 2021

Are you house-hunting? Here are some “don’t” tips that may be helpful:

Here are some home shopping tips that may be useful to you:



  • Stick with one REALTOR!
  • Your real estate agent is the perfect person to show you homes. You’ve already established a relationship with your agent; who better to help you on your journey of finding a new home?
  • Don’t just pick up the phone, call the number on the sign, and go by yourself
  • Let your real estate agent do their job! If you drive by an interesting property your agent hasn’t mentioned to you, call your agent with the property address and let them research the asking price and property details for you.
  • Don’t plan something for two hours after you are scheduled to tour a home
  • You don’t want to rush; you want to linger if necessary. Plus, if you find a home you really like, you might spend more time there. If you factor in drive time, it can easily take three hours to see seven houses. If you find one you want to immediately write an offer on, it could take another hour or so.
  • Don’t bring a triple Venti mocha frap with you on your buyer’s tours!
  • This may sound like an unusual tip; but you don’t want to be using everyone’s bathroom, especially if people still live in the house! Vacant houses are the best ones for pit stops, but because everyone knows that, they are also the most likely to have nothing in the way of toilet paper except a cardboard roll with a couple of spots of paper still stuck to the glue. You’ll thank me for this one!


Reach out with any questions, and we’d love to hear from you!

Here’s What You Can Expect in Refinancing

Here’s What You Can Expect in Refinancing

By Lingows Admin • 23 Aug, 2021
After we determine that a refinance will be beneficial for you, we start the application. Much like your original mortgage application, this one collects general information and asks for documentation of your income and assets.
Do I Need A Rental Property Management Company?

Do I Need A Rental Property Management Company?

By Lingows Admin • 22 Aug, 2021
Whether you still thinking of getting into the rental property business or you’re just closing on your 50th investment property, you still have several decisions to make relating to how you will manage all your investments. This is usually among the biggest, toughest decisions a landlord is faced with whether they should hire a property management company. Most landlords are seen managing their investment properties all by themselves or by the help of a single employee, known as a resident manager.
Reverse Mortgage Independent Counseling

Reverse Mortgage Independent Counseling

By Lingows Admin • 19 Aug, 2021
A very important and required step in the reverse mortgage process is independent counseling. Prior to application, all reverse mortgage applicants must receive independent counseling. This is a step that is in place for your protection and is required by law.
Here’s How My Clients Beat the Clock By Preparing Ahead

Here’s How My Clients Beat the Clock By Preparing Ahead

By Lingows Admin • 16 Aug, 2021
Do you remember the story: The Little Boy Who Cried Wolf? I have to admit – sometimes I feel as if some of my clients view me as the little boy from the story when I’m repeatedly and passionately asking them to prepare early for the mortgage process ahead. I’m sending this email to explain how this preparation can make a tremendous difference. Please read on.
Here’s One Critical Question Every Home Buyer Should Ask

Here’s One Critical Question Every Home Buyer Should Ask

By Lingows Admin • 09 Aug, 2021
Realistically speaking – how long do you plan on living in the home you’re hoping to purchase? More times than not, my clients tell me they’re planning on living in their home forever. However, most real estate professionals I’ve spoken to on this topic suggest that the typical family’s home needs change approximately every five to seven years. This statistic might surprise you – it certainly surprised me!
Here Is One Question Everyone Should Ask Before Refinancing

Here Is One Question Everyone Should Ask Before Refinancing

By Lingows Admin • 02 Aug, 2021
Realistically speaking – how long do you plan on living in the home you’re hoping to purchase? More times than not, my clients tell me they’re planning on living in their home forever. However, most real estate professionals I’ve spoken to on this topic suggest that the typical family’s home needs change approximately every five to seven years. This statistic might surprise you – it certainly surprised me!
Frequently Asked Questions About Reverse Mortgages

Frequently Asked Questions About Reverse Mortgages

By Lingows Admin • 26 Jul, 2021
In the reverse mortgage process it is very common for questions to arise that are similar in nature from one customer to another. Below I have listed some of the frequently asked questions that we receive and some factual responses for your information.
Jumbo Loans Are Here!

Jumbo Loans Are Here!

By Lingows Admin • 12 Jul, 2021
Have you taken advantage of the great rates available on Temporary High Balance or Agency Jumbo loans? If not, you may need to do so sooner rather than later. With these loans, Fannie Mae and Freddie Mac are authorized to purchase mortgages that are up to 125% of certain high-cost areas’ median home values, not to exceed a preset limit. Implemented as part of the 2008 stimulus package, these loan offerings were intended as a temporary measure. They have already been extended once, and limits have been reduced.
How Can You Buy And Remodel With One Loan?

How Can You Buy And Remodel With One Loan?

By Lingows Admin • 05 Jul, 2021
Most mortgage loan programs require a property to be in sound condition with no structural defects or required repairs. Not the 203k. It’s made for homes needing anything from light spruce up to major repairs, improvements or new additions. Combine Purchase and Improvements The 203k loan covers your purchase price and the cost of improvements. The proposed work must be supported by a “value upon completion” appraisal. You can save by financing renovation costs into the original mortgage rather than racking up credit card bills or dipping into reserve savings later.
The Return Of The HELOC?

The Return Of The HELOC?

By Lingows Admin • 28 Jun, 2021
Home Equity Line of Credit Once upon a time, HELOCs were promoted as a great way to shop for life’s luxuries. New cars, vacations, furniture—you name it, and a HELOC could likely help you buy it.
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