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Tulsa Mortgage : Podcast 14 – Part 2

Tulsa Mortgage WOULD TAKE NUMBER 21 OKAY SO SOMEBODY WHO HAS FIVE JOBS, OURS IS JUST UNTIL KYLE I’M LOOKING AT YOU RIGHT NOW FIVE DIFFERENT JOBS BUT HE DOES SAY SOMETHING, OR FROM TIME’S TIME TO REFINANCE THIS IS HAPPENING ON.COM YOU ANYMORE JUST GETTING ON A CALL YOU MORE SO BEEN TALKING ABOUT A REFUND BUT IT NEEDS MAKE SENSE AND I THINK IT IS NOT SO WHEN YOU DON’T HAVE AN AUTOMATED APPROVAL CORRECT AND YOU HAVE FIVE JOBS THEN YOU BE MORE LIKELY TO APPROVE SOMEONE WHO HAS THE SAME JOB FOR 12 YOU STABILITY CORRECT BECAUSE OF THE STABILITY THAT I SENT SO THAT THE MERE HAVING OF TYLER YAWNING IN THE MIDDLE OF YOUR PODCAST WOULDN’T LIKE DIMINISH OF THE MIRROR NOT HAVING YOUR OWN DOWN PAYMENT IS A NECESSARY A PROBLEM UNLESS YOU DON’T GET AN APPROVAL TO THE AUTOMATED WELL IT’S IT’S HYPOTHETICALLY IT’S ALWAYS A PROBLEM IF YOU HAVE YOUR OWN MONEY IT IT IT SAID WOULD YOU CALL A NON-COMPENSATING FACTOR RIGHT CORRECT IT’S LIKE LAYER OF RISK HAS CORRECT CASE SO I HAVE A FIVE AT FIVE DIFFERENT JOBS IN TWO YEARS HIGH DEBT RATIO NO

MONEY IN THE BANK AND ALLOW YOU HAVE ANY MONEY DOWN EITHER SO IT WOULD BE A LAYERED OF RISK THAT IS UNACCEPTABLE RIGHT TYLER ANYTHING ABOUT TIGER YOU WHAT MONEY IS WHAT IF YOU HAD TO CLOSE ALONE AND IF YOU CLOSE ON MONDAY I WANT EVERYONE TO GO ON EVERYONE ON THE PLANET I WANT THE UN DOESN’T EVEN KNOW IN PEOPLE IN AUSTRALIA WHILE THE AUSSIES NEED TO THEY DO ONLY LOANS IN AUSTRALIA OH MY BAD UN NUANCE IN TULSA TULSA MORTGAGE” CARS FARMINGTON MORTGAGE IS SO BUT YOU WHAT YOU WANT IT LIKE AND HATE WHAT WE ALL WANT TO PROVE EVERYBODY TO EXAMINE DON’T WANT TO CALL SOMEBODY AND SAY HEY YOU DENIED BY THE STORES CALL TO MAKE PRINCES AND SOURCE CODE MAKE IT IS THE WORST WE WERE MCNICHOLS AND CALL HAPPY CUSTOMERS THE COULD CAUSE YOUR APPROVED SO LET’S TALK ABOUT STORY TOP AND SO WERE TALKING ABOUT THIS THE WILL ACTUALLY BE JUST AS THIS CUSTOMER LITERALLY BRIAN AND BOWIE WE PROVEN TO CLOSE THE MOTHER WAS A GOOD DEAL BUT WE HAVE SOMEONE HAS BAD CREDIT THEY ARE HIGH DEBT RATIO BUT THEY HAVE 10% DOWN AND THE 12 MONTHS WITH MORTGAGE PAYMENTS OR WE CALL RESERVES IN THE BACK WHILE THEY ARE BETTER RISK THAN SOMEONE WITH LOW DPI GETTING A GIFT FOR DOWN PAYMENT AND NO RESERVES WHICH IS CALLED IN ECONOMICS ASKING WHAT WOULD YOU SAY I HAVE 10% DOWN A BAD CREDIT BUT I’VE 12 MONTHS TRENDS IN THE BANK IS THAT BETTER THAN SOMEONE WHO HAS YOU A LOWER DTI THEY HAVE LINKED A GIFT FOR THE NONPAYMENT AND NO RESERVES IS THAT, I THINK IT’S KIND OF A EQUALITY

Tulsa Mortgage IMMEDIATELY YOU CAN’T BASE ALONE OFF OF THEIR DTI YOU CAN’T BASE ALONE OFF HOW MUCH MINOR BUTTON-DOWN YOU CAN BASE OF WHAT THEY HAVE IN THE BANK YOU HAVE TO LOOK AT WHAT THEIR CREDIT PROFILE LOOKS LIKE OVER THE LAST 24 MONTHS AND HOW THEY PAY THEIR BILLS YOU KNOW BE THE BIGGEST INDICATOR IS THE CREDIT SCORE THAT’S WHY THERE IS SUCH A THING AS A CREDIT SCORE AS TO HOW THEY’RE GOING TO PAY AND THE STARTLING FACT IS THAT THE MORTGAGE WILL PERFORM LIKE THE PRIMARY WAGE EARNER OR DEPRIVE THE MAKES THE MOST MONEY THEIR CREDIT SCORE SO IF THE GUY THAT MAKES THE MOST MONEY IS TO HUSBAND HE’S GOT 585: THE WIFE HAS NO INCUMBENT 720 LOANS MORE LIKELY TO PERFORM AT 58 GOTCHA ENEMIES ABLE TO PERFORM THAT MEANS HOW TO MAKE THEIR PRESENCE ARE SAYING*SO PERIODICALLY ARE LOOKING AT YOUR SCENARIO WHERE YOU GOT A BAR WITH HIGH DTI 10% DOWN 12 MONTHS RESERVES VERSUS A BAR WITH MAYBE A LOW DPI LOWDOWN THAT NO MONEY DOWN AND NO RESERVES YOU YOU HAVE TO LOOK AT THE CREDIT WORTH OF THE BORROWER HOW THEY BOTH PAY THEIR BILLS HOW THEY DO THINGS I THINK IF YOU LOOK AT IT FROM A QUALITY IT THE RISK IS THERE FOR BOTH LOTS UNIQUE RS WITH HIGH DTI VIOLONCELLO DTI BUT THAT WHAT HAS NO MONEY SO THERE’S RISK WITH NO MONEY NO RESERVES WHERE THE OTHER ONE HAS MONEY RESERVE SO IT’S IT’S NOT EVER A CUT AND DRY EVERY

Tulsa Mortgage SITUATION IS A UNIQUE SITUATION AND THAT’S WHY YOU DON’T JUST COME ALONG UNDER BY THE WAY IF YOU’VE BEEN SHOT DOWN BY SOME LENDER AND YOU JUST THINK THAT’S IN THE WORLD FOR YOU YOU NEED TO CALL ANOTHER WONDER BECAUSE BRIAN JUST MADE THE POINT THAT THEY ARE THE IT IS SUBJECTIVE TO WHOSE REVIEWING IT AND WALLS SOMEONE MIGHT BE MORE CONSERVATIVE AND SAY NO TO APPROVE THE LOAN NUMBER BE SOMEBODY THAT SAYS WE CAN GET YOU THE TIMES HAVE YOU GOT ALONE FROM A BORROWER WHO WENT TO THE LOCAL BANK WHO DOES THE COOKIE-CUTTER LOANS DON’T THINK OUTSIDE THE BOX AND THEY BEEN TURNED DOWN ONLY TO COMMUNICATE HOME HAPPENS ON MOUNTAINTOPS YOU HAVEN’T. SO IF YOU’VE BEEN TURNED DOWN JUST KNOW THAT IF YOU’RE IN ANY ONE OF THE SCENARIOS UNIQUE ARTICLES YOU NEED TO GET TULSA MORTGAGE DEALS THE MORTGAGE.COM PTOLEMY CONCEPTS ARE CALLED JACK, IS ON THE LIVE FEED ON FACEBOOK HILGER AREA SO LISTEN I THINK TERRITORY This THIS PODCAST WHICH I DON’T EVEN KNOW TYLER HOW LONG WE BEEN PODCASTING I THINK WE@TIMEKEEPER.COM OR 16 MINUTES IN THE LATINO BASEMENT THREE You KNOW I DON’T THINK THAT PEOPLE NEED TO NECESSARILY UNDERSTAND WHAT COMPENSATING FACTORS ON RESERVES ARE OUT OF JOB TIME AFFECTS THEIR QUALIFICATION BUT JUST UNDERSTAND THAT IF YOU’VE BEEN SHOT DOWN BY ONE LENDER THAT YOU’VE ENTIRELY DON’T

QUALIFIED THAN TALK TO OTHER LENDER AND WE LISTEN YOU JUST WANT MAKE SURE THAT YOU UNDERSTAND THE FACTORS THAT AFFECT YOUR MENTAL AND HERE’S TO THINK THIS IS NOMINALLY DO THIS IS LIKE NIGHT THAT’S LIKE MONEY RIGHT HERE DON’T HIDE STUFF FROM YOUR LENDER TELL ME EVERYTHING YOU GET LIKE SOME CASH IN THE BANK TELL ME YOU YOU LIKE A 401(K) WITH 1 MILLION BUCKS IN IT THAT’S KIND GET THEY TELL ME THE, CHANGE YOUR APPROVAL PRIOR US OUT OF A HIGH DEBT RATIO ABUNDANT PERCENT DOWN AND I HAVE 30 YEARS IN RESEARCH YOU’RE PROBABLY COULD DO THAT YOU SO DON’T HANG ON TO SOME BANK ACCOUNT BALANCE OR SOME 401(K) WHERE SOME SOMETHING OR OTHER THAT YOU DON’T MAYBE THINK THAT WE CARE ABOUT JUST GIVE US ALL THAT INFORMATION UP FRONT BECAUSE IF YOU FORGET GIVE IT TO US LATER BECAUSE THAT’S ALL HELP YOU GET QUALIFIED SO IT WOULD UPSET THE REPS OF 14 AND TULSA MORTGAGE SO THANKS FOR LISTENING FOLKS AND WE WILL SEE YOU NEXT TIME