David Reinholtz's (loanofficerschool) Blog

During the most recent economic hardship, the global recession, we have seen property values plummet and homeowners facing foreclosure at previously unseen numbers. While millions of families have been struggling to make ends meet and to keep the lights on and a roof over their heads, it has lef...

It can be challenging to explain to some people that the new car or the flat screen television set that they've been drooling over isn't going to improve their retirement, or their wealth, in any way, shape, or form. In fact, these kinds of purchases, when money is actually tight, can be detrime...

It doesn't require an advanced degree to understand that your mortgage rate will directly affect the mortgage rate offers that you receive. Credit scores are perhaps the most important factor in just about everything we do in our financial life. We are bound to our credit scores with ankle chain...

Just when the average homeowner thought it was safe to dip their toe back in the water, bad news finds them once again. As much as the housing market has been hopeful for some positive news, and has been seeing some, trouble is still lurking in the deep waters. While the news agencies would like...

While this topic has been covered already, it's an important one to focus on again. HAMP, the Home Affordable Modification Program that the Obama Administration pushed through, is failing to bring relief where it was intended to go. This program was funded with $50 billion dollars from the Troub...

The question about where the real estate market is strongest is an important one, especially for individuals who are looking to purchase homes in the near future. The last thing anyone wants to do, especially if their interest is in an investment, is to buy into a market that will soon be depres...

The mortgage industry has certainly had its share of tough times during the past few years. The jump in foreclosures and the decrease in property values across the country have contributed to a colossal loss for many of the nation's leading mortgage lenders and brokers. As the federal government...

With the historic rate of foreclosures throughout the country, one question has repeatedly come up from renters, as well as the banks that held the mortgage. What happens to renters in a home that is foreclosed on? The general scenario The day is bright and sunny and the family of four is enjoyi...

Throughout the country, there have been varying degrees of success, and trouble, within the housing market. Some have certainly fared better than others, and while many are quick to blame the individuals states in which these regions lies as a part of the problem with their housing market, the a...

The term 'green' has become more of an ad slogan in the last couple of years, but for homeowners, its promise of savings has been long touted and the results have been far less that advertised. Resale values The problem with going green in the home isn't with the energy suppliers are the savings...