Mortgages Made Simple with Rick Gundzik

Sunday, January 27, 2008
No Closing Cost Loans, what's the catch - January 26, 2008
It seems like everyone is advertising no closing cost loans. What is the catch? Mortgages Made Simple logoDo I get a higher rate? Does it really save me money? Or does it sound too good to be true. In this encore podcast we discuss this renewed advertising gimmick and weigh the benefits to help you get the best loan. Remember every person's loan is different so it is important to analyze your loan with a qualified loan officer.

Listen to No Closing Costs, what's the catch?

We'd love to hear your mortgage questions. Call the listener line at (714) 519-7833 and you might just end up on the podcast.


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posted by Pac Res @ 11:51 AM   0 comments
Sunday, January 20, 2008
What Information Do I need to provide for a new home loan - January 20, 2008
We received several questions regarding what's needed when you're getting a home loan. We decided to replay this podcast from July 2007 to answer the question Mortgages Made Simple logo"What information do I need to provide to my loan officer? " We give you a brief checklist of the items you will need to gather for a quick and simple loan transaction. Will you need W2s, tax returns or what? We get to the bottom of this and more.

And we answer a listener's question about Yield Spread premium.

Click here to find out What information do I need to provide to my loan officer?


Show Notes: Click here for a simple Checklist

Items Needed Loan Checklist

1. Latest 2 years of W2’s
2. Most current paystubs for latest one month period
3. 2 most recent bank statements

Self Employed must use latest 2 years tax returns and a
year to date profit and loss statement.

Be prepared to provide a letter of explanation for any derogatory credit or any unusual circumstances. Such as a extraordinarily long commute to work or a several month gap in your employment history

Most loans don’t require a lot of information from you. But the more information you provide to clear up any unusual circumstances will help your loan close faster.



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posted by Pac Res @ 11:30 AM   0 comments
Sunday, January 13, 2008
Questions and Answers - January 13, 2008
You have all been busy sending us some very interesting questions. We welcome your questions because they offer a lot of information for other listeners, so keep those questions coming. Mortgages Made Simple logo

On this week's show we answer 3 questions, Is this a good time to buy a house, Are prepayment penalties good or bad and Should my loan officer be licensed. Sit back, grab a cup of your favorite beverage and click below.


Show Notes:CA. Dept. of Real Estate

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posted by Pac Res @ 10:07 AM   0 comments
Sunday, January 6, 2008
New Year's Resolutions for your Mortgage - January 6, 2008
Happy New Year! Many people make resolutions to lose weight, stop smoking, etc. But this week we offer up a new resolution. A resolution to find out all about your mortgage. Mortgages Made Simple logo This is time well spent as your mortgage is probably the most important component in your family's finances.



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posted by Pac Res @ 11:10 AM   0 comments

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