Chris Trapani The Mortgage Pro wants you to Fire Your Landlord®

Not yet "Pre-Approved" but need a mortgage? Better than pre-approved is APPROVED! First Time Home Buyer! Should I get mortgage easy Pre-Approved? Need a Mortgage Pre-Approval? Then you need a mortgage approval too! What is a mortgage pre-approval? How do I get pre-approved for a mortgage? Why Do I need a mortgage pre-approval? It a mortgage pre-approval the same as a mortgage prequalification? Pre-Approvals explained for the 2018 whole loan process. Call Chris Trapani and get a mortgage pre-approval! Chris Trapani the Mortgage Pro uses his 27 years of experience as he explains all about why a pre-approval is important to Fire Your Landlord! The real estate buying process will always start with a mortgage pre-approval process performed by an NMLS (Nationwide Mortgage Licensing System) licensed loan officer. The process will involve the proof of income, work history, credit and credit history with a strong emphasis on past mortgage history. How much money you have saved, d...

Conventional vs FHA vs VA. Which loan is better and how do I compare different loan types? FHA Loan? Do FHA loans have advantages? Conventional Loan? Why might a conventional loan be better? VA Loan? A VA loan could be the best loan - but not always! These home loan types explained in detail in this video. Learn how to compare Conventional loans to FHA loans to VA loans in this video! Conventional vs FHA vs VA Loans! Is FHA better than Conventional? Are there advantages to VA? Is a conventional loan better than an FHA loan? Is an FHA loan better than a VA loan? Does a VA loan beat out a conventional loan? Confused about real estate loan types? There are many variables explained here but by the end, the important things to consider should become apparent! Learn this and you'll be one simple mortgage step closer to being told to go "Fire Your Landlord!" Visit http://www.FireYourLandlord.info or just call me, Rancho Cucamonga Loan Officer, Chris Trapani FHA Loan Offi...

Important home buying process 2018 and home buying tips 2018. Learn how to buy a house and not make the mistakes common to so many first time home buyers. learn the home buying process 2018 and tips for buying a home and how to buy a house. If you are buying a home in California you also need to know how to avoid home buying mistakes. Homebuyer mistakes and loan mistakes can be both costly as well as stressful. For an FHA home loan application online go to http://www.FireYourLandlord.info Learn real estate tips from Chris The Mortgage Pro including 10 tips you must know. Watch this real estate video and learn! This first time home buyer tips video, provides you with the whole loan process mistakes, an FHA loan application online, VA loan application online home buying tips making an offer, first time home buyer advice, first time home buyer tips and advice, home buying tips 2018 and more! Real Estate tips, tips for first time home buyers, purchasing real estate and avoid the re...

Conventional vs. FHA vs. VA Loans! Confused? Is a conventional loan better than an FHA loan?  Is an FHA loan better than a VA loan? Does a VA loan beat out a conventional loan?  There are many variables explained here but by the end, the important things to consider should become apparent! There are a number of factors to help you determine, which is best for you! Contact me through www.FireYourLandlord.info or just call me, Chris Trapani the Mortgage Pro at 310-350-2546 and I'll send you a free PDF printout to make it easier to understand! Conventional loans usually work best for Non-veterans with very high Fico scores, FHA loans will usually work best for Non-veterans with lower Fico scores,  VA loans will work best for those with less or no money to put down regardless of Fico score unless  you are planning on keeping the property short term and are not a disabled vet.  See... it can be confusing but the Free PDF can help you sort it out! Questio...

Learn the simple loan steps and the whole loan process .   Buying a home, but not sure of how the loan process works?  These simple steps explain in a quick get to the point video how the process works, what happens every step of the way and will help you Fire Your Landlord® In this video, Chris Trapani the Mortgage Pro, uses his 27 years of experience to bring you what you should know and what you need to know to buy a home using any type of mortgage.  This whole loan process is virtually the same for Conventional Loans , Jumbo Loans , FHA Loans , VA loans and other types of mortgages . While the qualifications and guidelines are a little different for each of these loans, the process is the same.  Today in 2018, after the mortgage meltdown, there are many more rules put in place before a consumer is allowed to get a mortgage and before a lender is allowed to provide one.  While most of the rules are just extra paperwork and extra...

Veterans! Everything you could possibly need to know about a VA loan and your eligibility! You'll learn about VA mortgages to purchase a home,  IRRRL the interest rate reduction refinance loan, VA loan cash-out refinances and the entire VA loan process.  There are a few special requirements for a VA home loan and I'll teach you how does VA work! How you can use your Veteran status and 20 things you must know about a VA loan. As a VA home loan specialist, you can always contact Chris for advise or help or just a question.  For a VA home loan application online please visit http://www.FireYourLandlord.info and click on apply for a loan.  It only takes 5 minutes. Chris will teach you the whole loan process. Did you know that if you are a disabled vet 10% or more you will also be entitled to a waiver of the VA funding fee!  That will save you thousands of dollars on your VA loan! A VA loan is usually the least expensive and lowest interest rates in th...

Save $500 a month!  Not enough?  Save $1,000 a month! Learn how to save money fast with budget hacks tips that really work!  How to budget and save money and money tips from a money savings expert. Use these money-saving hacks and save $500-$1,000 a month on items that you are probably blowing money on every month! Just tweaking a few spending habits including how to save money for a house could make the difference in the near future of renting or owning your own home. They are simple ideas and ways to stop blowing money.  Chris asks:  What do Netflix, Coffee, Pots & Pans and an ATM card have in common?  Believe it or not, they can help save your money so that you can buy a house! Skeptical?  Don't believe me?  Take Chris Trapani's save money challenge! Watch this video and learn how to budget your money like Dave Ramsey teaches tips, free money, zero down payment, save down payment learn how to save for a down payment! ...

FHA loan s are the simplest home loan to qualify for! How much loan and how much home can I qualify for with an FHA loan?  FHA loans are among the most common FHA mortgage questions. With today's pretty generous FHA loan limits of $405,950 loan amount in the inland empire and up to $679,650 in Los Angeles and Orange Counties in California (you can look up our own county limit here https://entp.hud.gov/idapp/html/hicostlook.cfm ), for most first time homebuyers, the question is more how much can I qualify for on my income rather than is the loan limits high enough. There are specific formulas to calculate income for different types of wage earners (hourly salary, salaried, commission, self-employed etc) that must be adhered to, but for the vast majority of FHA borrowers, the standards displayed in this video are accurate. If you have questions regarding income calculations, you can always feel free to reach out to Chris Trapani personally and he'll be happy to help. F...

Lender fees and common closing costs explained for a home mortgage. Processing, Underwriting, Origination or discount points are paid to the mortgage lender, Appraisal, Credit report, Escrow or Attorney fees, Title insurance, recording, notary and many escrow companies and title fees have numerous add-ons such as loan tie in fee, printing fee, electronic BS fee (sounds like a lot of BS from title and escrow - that part is!) and there are other fees depending on the companies chosen.  These fees are paid to third party companies and not to the mortgage lender. Most reputable companies will only charge you a processing and underwriting fee,  Points can be charged based on the rate chosen.  In most cases, you can have a higher interest rate to reduce or eliminate these fees. The rest of the fees, go to other companies and have nothing to do with the mortgage lender. There are other costs associated with a mortgage loan such as pre-paid interest - which is interest ch...

What's an FHA loan? How does it work? The easy FHA process of buying a home with an FHA loan in 2018 which will show you how much loan you will qualify for and how the entire simple loan process works.  FHA mortgage guidelines change so you'll learn the loan process and the FHA loan requirements. In this video, you'll get  a mortgage pro's look into FHA loans and the FHA loan requirements and how to buy a home using an FHA mortgage Learn some simple mortgage steps at http://www.FireYourLandlord.info and you can also apply with an FHA home loan application online at the site. Chris makes it easy! Only takes 5-10 minutes to fill out the whole application! When you watch this loan video, you'll learn all about FHA loans and the simple mortgage steps. Chris Trapani "The Mortgage Pro" states, "I've helped thousands of people, families, vets and first-time homebuyers with FHA and Va loans and proudly coaches them to  "Fire Your Landlord!...

Are We Headed for Another Market Crash?  What's happening in the real estate market right now? What will happen to home prices? Will home prices go up?  Will real estate go down? Will house prices and interest rates go up or down? Is now the right time to buy? Chris the Mortgage Pro lends his 27 years in the industry to forecast what he sees is coming in the short term (next year or so) The key words he uses: supply and demand!  Where is the supply (the inventory of homes available to buyers) what is the demand?  Here in Southern California, there are a dozen plus offers on every home in the FHA price range. Knowing whether the market will crash or if we are currently in a housing bubble is obviously an important factor in deciding whether to buy real estate.  Is it on the rise?  Yes, real estate priced are still rising, but not as fast as rent! Many people are worried about a housing crash and their real estate agent really doesn't know much about ...

The loan process and how does a mortgage work Learn the easy home buying process of a conventional loan process, and FHA loan process and a VA loan process, explained in detail including the simple loan steps process of the entire home loan to buy your own house in 2018! The VA loan process, FHA loan process, and all other home loan processes and systems are included in this mortgage video. The whole loan process is nearly the same for all loans whether it's for an FHA mortgage, VA loan or conventional loans.  Every real estate expert would recommend an experienced and licensed loan officer to explain these home loan processes and mortgage processes in simple easy to understand steps. Enjoying the home buying process is something most people do - but admittedly, the mortgage process can appear overwhelming at times. In this video, you learn how to buy a house  The process of getting a loan will vary based on different "guideline requirements" for the different type...

What is PMI? Do I need mortgage insurance? What is MIP? Is there Cheap mortgage insurance? A PMI calculator link is in the body of this text. MIP vs. PMI. How to get rid of PMI. Whats the PMI definition? How does PMI work? I have a few tools that rookie loan officers don't know to help you avoid PMI. Sometimes it can be done, sometimes it can't.  It all depends on your individual circumstance.  You can apply for a mortgage with this FHA mortgage application online at http://www.FireYourLandlord.info and click on the apply for a loan button.  Chris will help you with the whole loan process . Here is a PMI calculator.  https://www.mgic.com/ratefinder-rates/quickQuoteDataEntry.htm   There are items that you should to know to fill the form out and get an instant quote.  Most people know the answers with one exception.  FICO score.  No, it's not the credit karma score or any of the consumer scores that people get over their phone.  It's an a...

Important home buying process and home buying tips for 2018 . Learn how to buy a house and not make the mistakes common to so many first time home buyers. The process of home ownership has many facets to it. Buy a home!  Make sure you are not missing an opportunity to finding your dream home.  The right real estate home buyer tips can make a big difference, so knowing the top home buying mistakes and the first time home buyer myths and mistakes to avoid can save you a lot of money. It's just important to know what to do as well as what not to do when you are buying a home.  Visit and apply with a home loan application online at www.FireYourLandlord.info and get started and you can also enjoy the only100% mortgage and real estate video website to learn more about what to do and... what not to do! Chris put this video together with the hopes that the people watching it can enjoy sleep at night and peace of mind while going through the home buying process/ In t...

Have you heard the term "Points" or "Paying Points" on a mortgage loan? What are points? Should I pay points? Through the real estate home loan process, you will often hear the term, points & mortgage points the cost of which is directly related to low interest rates.  The more points you pay the lower interest rate you will receive! It's basically a simple formula - the more points you pay the lower interest rate you will pay. When you are ready to learn how to buy a house, to buy down a rate can be a great option for a lower payment.  Every mortgage from FHA loan, VA loans, conventional, USDA, Jumbo loans all offer options to pay these points to lower an interest rate. part of the whole loan process is step number 1, you can apply for with an FHA home loan application online at http://www.FireYourLandlord.inf o and click on the apply for a loan button. We will offer an analysis of if it makes sense to pay points before you do it. Often when looking ...

Learn simple mortgage steps for a CalHFA loan and we'll Fire Your Landlord!  No more avoiding the Landlord! Fire him instead by calling Chris Trapani the Mortgage Pro and he'll teach you about a CalHFA loan.  640 credit score and you could qualify for a no down payment and sometimes even no closing cost loan through a CalHFA zip program and a CalHFA My Home loan combined together. As a loan officer in Rancho Cucamonga, Chris Trapani will bring you through the mortgage process whether you buy a home for the first time or are a seasoned investor, he'll use his 27 years of mortgage experience to help you get rid of the Landlord from hell and Fire your landlord!  No one likes the landlord who comes to collect rent when your landlord is an ass who loves to hand you rent increase letter.  This creative real estate video might just motivate you to stop renting start owning and you can use a California Down Payment Assistance program called a CalHFA which offers zero...