Khash Saghafi's (okstcwbys) Blog

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Mortgage and Lending - Liberty Home Mortgage Corporation - Originator NMLS ID 120117
RECENT BLOG POSTS
In my first post on renovation loans, I explained how the dollars are broken down.  In part 2, it's about the process.  Staying organized with the process is the key.  I truly believe that the most important part is the contractor.  A good contractor is worth their weight in gold and I do not car...
09/02/2018
Are you showing a home which needs work in order to satisfy appraisal requirements or the buyer wants to remodel? No matter what type of renovation loan, FHA, Conventional, VA or USDA, the basic math is the same: Purchase price plus cost of renovation equals the total amount needed.  All of the n...
09/01/2018
Our biggest obstacle is ourselves. There is nothing which none of us cannot accomplish if we focus on being successful. Every single one of us deserves the best of whatever we want, but there is one hurdle to get over and that is our own minds. Too many people do not believe that they are worthy....
08/31/2018
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“What you GET by achieving your goals is not as important as what you BECOME by achieving them.” – Henry David Thoreau Think about that. Instead of thinking of what you will GET when you achieve your goal, just imagine what you will BECOME. I never really thought of it like that before. I saw thi...
08/30/2018
George Washington Carver was a world-famous chemist who came up with over 300 ways for the peanut to revolutionize agriculture. When George Washington Carver was a student at Iowa State University in 1891, he would take the son of one of his professors on his expeditions into the farm fields as h...
08/29/2018
“And those who were seen dancing were thought to be insane by those who could not hear the music.” – Friedrich Nietzsche I absolutely love that saying.  I can re-post it every single day. Besides being a music junkie (especially with my 80’s and country music (someday I’ll post my Tim McGraw stor...
08/28/2018
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I was speaking yesterday to a friend of mine who is a college wrestling coach. We spoke about what it takes to achieve a goal. In the sport of wrestling, he was one of the best college wrestlers of the decade during his time, so I guess you can say that he knows a thing or two about achieving a g...
08/27/2018
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I had a Real Estate Agent call me today and she had an appraiser call her on one of her transactions and the appraiser was asking her if she could provide additional comparables to support the purchase price of the property. My friend called me and told me that she did not think that she could fi...
08/26/2018
In 2010, Fannie Mae implemented its Loan Quality Initiative (LQI for short). What is the LQI? To simplify it, it means that we are going to re-pull your borrower(s) credit the day of the closing!!! Keep in mind, this is for conventional loans only and not FHA, VA or USDA (even though some lenders...
08/25/2018
This winds down my series on why you need to embrace your competition. Reason Number 5 – because there are more important things to worry about in life. Do you have your health? Do you have your friends and family? Guess what, if your answer to those two questions was YES, then your doing pretty ...
08/24/2018
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Khash Saghafi NMLS

Mortgage Loan Officer, Cleveland OH NMLS 1114762
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