Is It Too Soon to Refinance My Mortgage Loan?

Mortgage rates have fallen a great deal this year and millions of homeowners as well as investors might benefit by refinancing even if they bought a home just last year. Mortgage rates moved lower last week even though the broader bond market […]

read more

What is a Property Survey and Do I need It?

● Graham W. Parham ● July 26, 2018 ● Surveys ● No Comments

In common usage, the term ‘survey’ refers to a drawing of a parcel of real property. This drawing depicts the results of the surveyor’s measurements made in the field and his or her interpretation of evidence relating to the location […]

read more

Top Tips for Passive Investing in Single-Family Rental Properties

● Graham W. Parham ● October 2, 2017 ● Buying an Investment Property Out of State Investing Turnkey Properties ● No Comments

We’ve all heard at some time or another that real estate is a great investment. It’s true—investing in real estate can be your key to financial freedom and the retirement of your dreams. Unfortunately, a lot of people make the […]

read more

Thing You Need to Know About a 1031 Tax Exchange

● Graham W. Parham ● April 30, 2017 ● 1031 Tax Exchanges Turnkey Properties ● No Comments

The identification period in an IRC Section 1031 delayed exchange begins on the date the taxpayer transfers the relinquished property and ends at midnight on the 45th calendar day thereafter. To qualify for a 1031 tax-deferred exchange, the tax code […]

read more

New Fannie Mae Reserve Requirements for Investors With Multiple Properties Owned

● Graham W. Parham ● October 23, 2016 ● Conventional Products Multi Property Loan Programs ● No Comments

There are many investors that still do not know that Fannie Mae is requiring additional reserves from borrower’s that have more than one financed property. The Old requirements was 6 months Principle, Interest, Taxes and Insurance (PITI)on the subject […]

read more

How Many Loans Will the Fannie Mae and Freddie Mac Lend to Investors?

● Graham W. Parham ● October 21, 2016 ● Buying an Investment Property Conventional Products How to Get a Mortgage Investor Loans Multi Property Loan Programs Out of State Investing Real Estate Investing Turnkey Properties ● No Comments

In 2009, Fannie Mae and Freddie Mac rolled back the mortgage rule that prevented real estate investors from financing more than 4 properties per borrower. At the time, investors were limited to 4 properties financed, which included their primary residence. […]

read more

What is HVCC and How Does this Affect The Lenders, Borrowers, Sellers and Real Estate Agents?

● Graham W. Parham ● July 4, 2016 ● Appraisal and Inspections ● No Comments

Home Valuation Code of Conduct (HVCC) The HVCC is a set of federal guidelines designed to enhance the integrity of the home appraisal process to be more reliable and restrict the interaction between mortgage lenders and appraisers. Since the HVCC […]

read more