Lending FAQ Reno/ Sparks NV
We want to welcome Amy Brazil with Axia Home Loans! We are interviewing Amy to get the 411 about what is going on in the lending industry right now and to address some FAQ regarding some chatter going on in the media about the following: Loan Level Price Adjustments What this is going to do to loans FHFA what is it Examples of pricing and mortgages with the new regulations Will giving individuals with lower credit easier avenues to buy a home result in defaults in loans in the future Watch the video to get answers to all this! And if you have any additional questions or would like to find out if you can qualify for a home loan and get on the road to future home ownership reach out to us or Amy, her contact information is below Amy Brazil Axia Home Loans Cell (775) 742-4055 amy.brazil@axiahomeloans.com 0:00 Intro 0:31 About Amy Brazil with Axia Home Loans 1:45 Loan Level Price Adjustments 3:47 FHFA affordable options mission statement 4:29 Visual Chart and examples 12:27 Exceptions for lower credit result in default of loans? 15:24 Experts are predicting 5% interest rates to come back 16:30 How can people reach Amy Brazil for any loan questions? Contact information
The Berman Group Partners with Dave Ramsey
A little story about us We are big fans of the Dave Ramsey system. Years ago when we were starting out as a young couple we purchased the book Total Money Makeover. We read it, listen to the teachings it had and learned what we needed to do to get a strong financial foundation and from there we were able to buy a couple houses, start our real estate business and become real estate investors. We started our real estate journey as a husband and wife team back in 2018 but have each been licensed longer than that. We have both lived in the Reno/Sparks area most of our lives and are huge advocates for living in the Reno/Sparks area. Taking walks around the South Reno Wetlands, adventuring up to the beautiful Lake Tahoe and experiencing everything our area has to offer outdoors is our passions in life. Along the way since starting our business we have had two children, hired multiple employees to form The Berman Group, continued to become very active in the community with things such as The Reno Rodeo foundation, Junior League of Reno, Girls on The Run and others. Family, community and a business offering high quality service is what we live for and we are honored to be backed by Dave Ramsey! If you decide to work with The Berman Group you will be treated like family. The experience of buying or selling a home can be significantly influenced by the Realtor you choose. It’s important to opt for an experienced professional with the right credentials. The Berman Group is the answer! Not only do we have a proven track record of effectively selling homes for top dollar in the Northern Nevada and successfully helping buyers smoothly purchase homes ad are designated Endorsed Local Provider for Dave Ramsey. Keep reading to understand the significance of this title and how its an advantage for you. Who is Dave Ramsey? Before we get into ELPs, it is important to understand who start the training and program: Dave Ramsey himself! The man who has spent years teaching America and the world how to establish a healthy budget and financial foundation. Before Dave Ramsey entered the coaching business he made his initial millions by selling real estate. Dave understood that the people who were trusting his process to help them become financially stable would want other vendors to help them make smart choices with some of the biggest purchases in their life, like real estate! Now, he is helping people like you, thanks to his ELP program. What is an ELP? Dave wanted to make it easier for people to find well qualified real estate agents that you can depend on. He created the Endorsed Local Providers program to find those high-qualified dependable Realtors that have the same standards Dave Ramsey has. Dave Ramseys certified Real estate agents go through extensive training courses and must have the following criteria: Have been working as a licensed Realtor for 4 years or longer as a full time real estate agent. This is your agents one and only job. Closing 35 or more homes a year or closing more business than 90 % of the real estate agents in the same market What qualities make a ELP Realtor? The Berman Group is an Endorsed Local Provider, meaning, we exemplify these qualities: Communication: Buying or selling a home is a significant milestone in life. ELPs aim to provide you with the best possible experience. This will lay a solid foundation for your future. ELPs provide transparent communication by responding to inquires from the specialized Dave Ramsey training. Integrity: Trust is crucial in all areas of life and especially when it comes to choosing a Realtor. It’s incredibly important to have a Realtor who prioritizes your best interests based on the life plan you envision for yourself. Not all Real Estate brokerages are created equal and not all Realtors are created equal. Rest assured hiring a Dave Ramsey ELP you will be in good hands. Efficiency and consideration: The one thing we can never get back is time. We understand how valuable it is! The Berman Group prioritizes your needs ensuring you are working on the timeline you have established with us. Not only do we follow the ELP standards but we have our own Berman Group promise as well that we will return your call in 2 hours or less. Knowledge financial experience: Like any other ELP, The Berman Group has learned from Dave Ramseys program and practices the teachings everyday. That means we knowledge in financial decisions and the local real estate market, which will help you with your purchase or sale. Summary As an extension of the top tier service we provide to our Northern Nevada clients, The Berman Group is happy to share we are a certified Dave Ramsey Endorsed Local Provider (ELP). The ELP program serves to connect people with a trusted and trained professional in real estate. We are trained to do things The Ramsey Way! This method has helped millions meet their goals and we are continuing to add clients to the success list. If you trust Dave Ramsey you can trust The Berman Group! Happy Reading!
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