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The Mortgage Mashup Blog

The Mortgage Mashup Blog

Join us for discussion on current market news, mortgage trends and anything mortgage/real estate related!

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Happy New Year!

Posted on 4 January, 2016 at 18:15 Comments comments (2191)

Each day I will be posting something new in regards to a food for thought regarding a New Year promise." I like to call it a promise instead of a resolution. Happy 2016!

1. Put your phone away! While at work only look at it when taking a lunch break. This can be such a time killer when trying to be focused on a task at hand. Multi tasking often times, pulls you from the important tasks you are trying to complete. When you are with family/friends keep it stored away and be present w...

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Posted on 4 November, 2015 at 13:40 Comments comments (1697)

The Affordable care act, also known as Obama Care, indicates that average insurance premiums, particularly under ACA programs, are expected to increase by 13%.  I don't know about you, but isn't the whole premise of something that has the name "Affordable" indicated it is supposed to be affordable by average standards?  Companies that provide coverage, are seeing almost a 20% increase.  Self pay customers are seeing a 13%.  I think it is safe to say, the program is not ach...

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Boss or Leader?

Posted on 16 October, 2015 at 10:50 Comments comments (2217)

I talked about this on my radio show a few months back and saw an article ciculating again that touched on this topic.  It's amazing how many people don't understand the difference between the two:  A boss and A leader. wrote the article Boss or Leader:  Pick One, which you can find here:

But to summarize, I pulled out the main points:

  • A boss drives others; ...

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Saturday Morning Blues

Posted on 10 October, 2015 at 15:50 Comments comments (3062)

Happy Saturday.  It seems like weekends with young children are filled with busy busy activities.  Not much winding down going on these days, re charging the battery.  To make things even better, scrolling through the internet, we are fed negative after negative piece of information.  While I don't disagree our country is at odds with one another, I think ultimately the feeling of negatively is brought to light by lots of media outlets.  We used to have a rule when I ...

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Posted on 5 October, 2015 at 15:40 Comments comments (7978)

Clients, associates, realtor friends, what's all this fuss  about the new TRID that is in full effect today? Just another regulatory change designed to make us all go crazy smile emoticon However, have no fear. Click on the link for all your helpful information and how we have it all under control. Happy Monday.

Yours in service, 

Vincent J. Fiordilino

Branch Manager

PERL Mortgage, Inc

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The Truth About Getting a Mortgage Returns!

Posted on 3 September, 2015 at 10:50 Comments comments (724)

Starting October 1, we re ignite the "Truth About Getting A Mortgage" on 900AM the Talk of the Palm Beaches.  Every wednesday on the drive home from 5:00-5:30 pm.  Market news, realtor spotlights, loan scenarios, guidelines and most importantly, the implementation of TRID and what it means to you!  Stay Tuned.

Vincent J. Fiordilino, Branch Manager, PERL Mortgage of Jupiter, FL

Rent payments reporting to your credit report?

Posted on 3 September, 2015 at 10:40 Comments comments (2061)

So for a while, rent payments could only be reported to what is a referred to as a non traditional credit report.  This was used in the case of people that do not have credit cards, car loans, etc as a method of creating some type of credit report.  This is no longer the case.  Of the 3 major bureaus (equifax, experian and transunion)  rent payments can now be reported to Experian through a program called RentBureau, where property management companies can report the rente...

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Rate's Continue strong trend ahead of market news

Posted on 25 August, 2015 at 0:45 Comments comments (1689)

I get asked a lot "what do think rates are currently doing?" or "what do you think rates will be in the next 30 to 60 days?"

As always, I kiddingly refer to "let me pull the Crsytal ball and shake it a few times!" Of course, I follow up with what my hunch is, but as any industry professional should quickly tell you, its based on a lot of different factors.  Like anything, make a decision and dont look back.  So often we lock in a rate, and 3 months down the road, that same rat...

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No Longer have to close out revolving debt for Fannie Mae??!!

Posted on 27 May, 2015 at 14:05 Comments comments (3609)

Big news from the world of Fannie Mae today. You no longer have to close Revolving debt to qualify for a loan. In the past, if you were doing lets say a cashout refinance and were consolidating some credit cards. If those credit cards being paid off were necessary to get your loan, then in the past, those cards needed to not only be paid in full at closing, but needed to be closed.

Now, such accounts do not need to be closed as a condition of excluding the payment from the debt to incom...

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Mortgage Rates Feeling a little love?

Posted on 27 February, 2015 at 18:20 Comments comments (3044)

Mortgage rates had a bad Valentines Day. It's not that anything happened on that Saturday. Indeed, lenders weren't even open. It's just that things changed significantly by the time US markets reopened on Tuesday, with rates moving higher at the fastest pace in over a year. After a purely corrective bounce the following day, rates spent the next three days in limbo. That brought us to yesterday's big move lower following Yellen's testimony and an anticlimactic Eurozone response to the Gr...

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