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Mortgage Calculator Sales Price: $ Down payment: % Interest Rate: % Length of loan (in years): yrs Monthly payment: $	Wells Fargo Main office 727-535-3429 Mortgage Consultants Jennifer Banez 727-430-1806 Jeff Mioduszewski 813-300-7610 Jeffrey Scott 727-688-4760 Mark Whitehall 727-488-1887

Mortgage Brokers and Loan Consultants

Here are some mortgage brokers and consultants I have worked with in the past -- in no particular order...

Janine Cook FHA-203K Specialist Prospect Mortgage 813-546-0921 (send email)	Mike Craig Buccaneer Mortgage 727-898-2827
Joseph Dobrowolski Mortgage Broker Homexpress Lending, Inc. 750 94th Ave N Suite 212 St Petersburg, FL 33702 727-510-1768 cell (send email)	David Scharrer Senior Loan Officer IBERIABANK Mortgage 3550 Buschwood Park Dr, Suite 320 Tampa FL 33618 727-726-8515 (brochure) (send email)

When you contact one of these mortgage brokers, please let them know you saw their information on my website. (So I get the brownie points!)

Waiting periods required for significant derogatory credit events (foreclosure, short sale, deed in lieu) (2011)

Information about FHA and VA loans (2008)

1. Thou shalt NOT change jobs, become self-employed or quit your job.
2. Thou shalt NOT buy a car, truck or van or you may be living in it!
3. Thou shalt NOT use credit cards excessively or let your accounts fall behind.
4. Thou shalt NOT spend money you have set aside for closing.
5. Thou shalt NOT omit debts or liabilities from your loan application.
6. Thou shalt NOT buy furniture.
7. Thou shalt NOT originate any new inquiries into your credit.
8. Thou shalt NOT make large deposits without first checking with your loan consultant.
9. Thou shalt not change bank accounts or transfer monies between existing accounts.
10. Thou shalt NOT co-sign a loan for anyone.
11. Thou shalt NOT purchase other properties during this transaction.

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© 2011 Ruth Lorenzen. All rights reserved.