Dean Hartman

Can You Take Care of All the Hassles?

July 12, 2012
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Monday’s blog created a strong request for us to address each of the four questions homeowners have. We will cover one question each day for the rest of the week. Today, we are reposting a previous blog about the necessity of having a team when selling a home. – The KCM Crew People say: “It [...]

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Some Points About Points

July 5, 2012
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One of the more frequent topics discussed between loan officers and borrowers center around discount points. “What are points?” “Should I pay points?” “What about NO points?” And so on… So today, I decided to give you some information and some things to consider: First, a definition- Discount Points are pre-paid interest that allows a [...]

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Sizzle vs. Steak or Sizzle AND Steak?

June 21, 2012
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It’s often so difficult to choose who to work with in a real estate transaction. It’s tough to know the great agents and loan officers. I believe finding the great ones can truly prove to be a gift to your future. What is the “Steak”? To me, that’s the part of the agent or loan [...]

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News Flash: Lenders Are Busy

June 14, 2012
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We live in a post-subprime world…and with that, come some good things and some not-so-good things. Much of the “bad” in mortgages has been cleansed (bad loan products and many of the unqualified “professionals”). And that is good. But another consequence of the past five or so years is the shear loss of people who [...]

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Green Mortgages

June 7, 2012
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With spring in full bloom and the landscape at its peak greenness, I was moved to share my thoughts on how smart financing can help the environment. Beyond the paperless mortgage that can save trees, I am talking about two loan products that can finance energy efficient improvements to your home. And both can be [...]

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The Unspoken Appraisal Problem

May 31, 2012
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As lenders, buyers, sellers, and real estate agents, the big unknown after a deal is put together is the appraisal. A proper pre-approval can smooth out the other components of the mortgage approval (income, assets, and credit- even title issues can be uncovered before the contracts are signed), so the only “unknown” is the appraisal. [...]

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