About Elizabeth Rose

Elizabeth has over 30 years in the financial and mortgage industry. In tune with the mortgage market, she provides refreshing, unrivaled knowledge leveraging expert resources and delivering results.

Home Prices Continue to Sizzle

CoreLogic Home Price Insights (HPI) reported today that home prices did heat up this year.  Across the country prices rose by 7% from September 2016 to September 2017.  The numbers also showed an increase from August to September of this year by .09%.  These figures include distressed sales.

An interesting tidbit about the CoreLogic HPI is the data incorporates more than 40 years of repeat-sales transactions for analyzing home price trends.  The CoreLogic HPI forecast for the coming year shows … Continue reading

How to Restore VA Entitlement for Your Home Loan

VA entitlement is a guarantee to the lender by the U.S. Department of Veterans Affairs.  It guarantees to repay your home loan in the event of default.  The entitlement is a specific dollar amount available to veterans and active military members.  It can be found in your Certificate of Eligibility.

As a first time user of the VA benefit, you have full entitlement available.   You can read more about your VA entitlement in this post.  If you have obtained a VA home … Continue reading

How to Get Your Certificate of Eligibility for Your VA Home Loan

To obtain a VA home loan, you must document your eligibility which is detailed in your Certificate of Eligibility (COE).  VA home loans are available to active service members, veterans, and in some cases, surviving family members.

VA COE Elizabeth RoseBorrowers must be eligible to use their VA benefits.  The COE spells out the entitlement of the service member … Continue reading

What does Your VA Entitlement Mean?

Buying a home with your VA entitlement is a well-deserved benefit of having served our country.

VA home loans are guaranteed by the U.S. Department of Veterans Affairs and are a great way for Veterans and active military members to purchase a home.  The VA entitlement is established by the Veterans Administration.  Entitlement is the dollar amount the VA would be willing to guarantee a lender on behalf of a qualified VA-eligible borrower.   This guarantee protects lenders in the event … Continue reading

Your Earnest Money Deposit Explained

The earnest money deposit is an important part of the home buying process.  One that seems to create some confusion, especially for a first time homebuyer.

When buying a home, be prepared to write a few checks up front prior to of closing.

Earnest-money-depositThe first check that is typically written is the earnest money deposit.  The deposit demonstrates to the seller … Continue reading

Happy Independence Day America!

Happy Birthday America!  While today marks our Independence Day, it really could be celebrated for a month.  Here’s some interesting facts about our Independence in case you’ve forgotten your history lessons.

In July 1775, after another failed attempt for a peaceful reconciliation with Britain, Congress approved “The Olive Branch Petition”.  The petition pleaded for a full review of the unlawful policies that had been imposed on America.  It was just a year earlier that America had formed a national Congress.  … Continue reading

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