Agent Profile
My job is service...service to you and your real estate transactions! How can you benefit from my 25 years of experience and expertise? What can I offer to make the process more productive?
* Current information on available housing...comparative and competitive market pricing and analysis
* Daily involvement in the local real estate marketplace.
* Thorough, comprehensive knowledge reflecting years of helping others complete their real estate business.
* Extensive network of professional resources to make the process as smooth as possible.
My commitment is to you! Being available to you...returning your calls...answering your questions...addressing your concerns...respecting your money...matching your timeline...meeting your expectations...helping accomplish your real estate goals!!
JANEESE JACKSON: 503-709-0802 or jj@janeesejackson.com
Fiona Apple sings “A Mistake”
The mortgage market has been challenged for several years in the Portland Metro area and nationwide! Money is available but good credit is paramount. Here are some verifiable ways to avoid “mortgage pitfalls” compiled from suggestions from several of my favorite mortgage brokers!!
- Don’t stop making your mortgage, rent, auto or any other payment!! If you have a late payment, even on a silly $10 a month credit card it could mean the difference between “yes” and “no”.
- Don’t buy or lease an auto!! Lenders look carefully at your monthly debt obligations. A large payment such as a car lease or purchase can greatly impact those rations and prevent you from qualifying for a home loan.
- Don’t move assets from one bank account to another!! These transfers show up as new deposits and complicate the application process, as you must then disclose and document the source of funds for each new account. It’s a paperwork nightmare. Wait until after close of escrow to consolidate accounts.
- Don’t change jobs if you can help it!! A new job may involve a probation period, which must be satisfied before income for the new job can be considered for qualifying purposes. If you job is part-time or temporary, please let your mortgage broker know as it affects your approval.
- Don’t run a credit report on yourself or have anyone pull your credit!! This will show as an inquiry on your lender’s credit report and could lower your credit score 7-10 points per credit inquiry!
- Don’t buy new furniture or major appliances for your new home!! If new purchases increase the amount of debt your are responsible for on a monthly basis, there is the possibility this may disqualify you from getting the loan.
- Don’t attempt to consolidate bills before speaking with your lender!! Moving around credit balances can destroy your credit score! Ask your lender first before you change any balances around.
- Don’t pack or ship information needed for the loan application!! Important paperwork such as W-2 forms, divorce decrees and tax returns should not be sent with the movers along with your other household goods. Duplicate copies take weeks to obtain and could stall the closing date on your transaction.
About the Author | Janeese Jackson
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