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  • Home
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logo
  • Home
  • Home Purchase
  • Refinance
  • Apply Now
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    • Mortgage Market Indices
    • Today's Rates
  • Resources
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    • 100% Disaster Home Loans
    • Jumbo Loans
    • Renovation Loans
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    • Reverse Mortgage
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Why You Need a CMPSSample Image

Thomas Ooten 386 301-7965, (CMPS®) - CLICK HERE to learn more 

Credit Reports & Scores

Five Things that Impact Your Credit Scores - One-page article that illustrates how credit scores are calculated
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How Payment History Impacts Your Credit - Illustrates the importance of paying bills on time
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How to Improve Your Balance-to-Limit Ratio - Outlines the importance of improving balance-to-credit limit ratios
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How to Improve Your Credit Score - How the credit scoring system works and how borrowers can improve their credit score
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Three Things You Should Know About “Trended Credit Data” - This article illustrates how trended credit data works
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Two Ways to Be More Strategic with Your Credit - Illustrates the impact of credit mix and length of credit history
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Two Ways to Protect Yourself from Identity Theft - Illustrates how to put a credit freeze or fraud alert on your credit file - last updated 01-2019
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Why it's Important to Avoid New Credit and New Inquiries When You're Getting a Home Loan - Illustrates how new credit and new inquiries can negatively impact someone's mortgage application - last updated 04-2020
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First-time Homebuyer

Five Pitfalls to Avoid When Buying a Home - Five risks to consider when buying or shopping for a home.
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Four Questions to Ask Before Choosing a Mortgage or Buying a Home - How to set up the mortgage planning conversation.
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How to Understand Your Home Appraisal ($200k) - How to understand comps, adjustments and the appraiser's estimate of value.
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Three Reasons Why Homebuyers Should Consider Seller-Paid Points - Use this, along with the CMPS Seller-Paid Points Calculator, to illustrate why homebuyers should consider this strategy
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Three Ways to Avoid Getting Outbid on Your New Home - Three ways that home buyers can avoid getting outbid when they go house shopping. - last update 07-2020
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Three Ways to Get Prepared for Home Ownership - Three Ways to Get Prepared for Home Ownership
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Two Reasons to Buy vs. Rent - Outlines two benefits of buying a home vs. renting
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Why Housing Inventory Matters to You - Indicates why housing inventory is an important metric for clients to consider - last updated 01-2019
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Why Your Down Payment Strategy Matters More Than You Think - Illustrates how down payment has eight times more impact on home affordability vs. interest rates
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Mortgage Process

A Short History of "Underwriting" - A Short History of "Underwriting"
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FHA Makes it Easier for Condo Buyers to Qualify - Illustrates changes that went into effect in October 2019 re: FHA single-unit condo approvals - last updated 11-2019
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FHA Slashes Condo Approval Requirements by 15% - Outlines how only 35% of condo units in an existing project must be owner-occupied
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Four Questions to Ask About Your Home Equity Line of Credit (HELOC) - Four questions that homeowners and buyers should ask about their home equity line of credit.
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How to Avoid a $30,000 Mistake - Illustrates the cost of waiting one year to buy a house
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How to Solve Your Negative Equity Problem - How to calculate whether it makes financial sense to use a cash-in mortgage strategy - last updated 01-2020
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How to Successfully Get a Mortgage in 2021 - Why so much paperwork and documentation is required in today's mortgage industry (and how to deal with it) - last updated 01-2021
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How to Swim With the Sharks (and not get eaten alive!) - How to help clients and referral partners understand the reason why so much documentation is required during the loan process.
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How to Turn an Ugly Duckling Into a Gorgeous Swan - Illustrates how a renovation loan could open up more options for homebuyers
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How to Understand the Annual Percentage Rate (APR) on Your Mortgage Loan - How to explain APR and its shortcomings to borrowers and referral partners
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Is a Debt Consolidation Loan Worth It? - Explains two debt consolidation scenarios: a purchase and refinance
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Shopping Around for a Mortgage? - Outlines four questions that rate shoppers should ask their lender.
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The Case For (or Against) ARMs - Illustrates the impact of choosing a 7-year ARM over a 7 or 8 year period
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Three Great Reasons to Consider a Cash-out Refinance - Outlines three great reasons to consider a cash-out refinance
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Three Reasons Why PMI Could Be Your Friend - Illustrates three major benefits to putting less than 20% down
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Three Reasons Why Sellers Should Consider Seller-Paid Points - Use this, along with the CMPS Seller-Paid Points Calculator, to illustrate why sellers should consider this strategy
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Three Things You Should Know About Loan Estimates - Outlines three important things borrowers should consider when evaluating the Loan Estimate
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Two Ways to Benefit from the 2021 Loan Limit Increase - Discusses why clients may want to refinance or buy a home in light of the 2021 conforming loan limit increase - last updated 12-2020
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Two Ways to Measure the Break-Even on Refinancing - Outline two ways to measure the break-even on refinancing
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What is a "Non-Contingent" Offer? - Explains and outlines three risks associated with a non-contingent offer
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What is Mortgage Planning? - NOTE: Only CMPS-certified individuals are licensed to use this content
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Why Do I Have to Pay for a Rate Lock Extension? - Outlines why rate lock extension fees are assessed, and how borrowers can avoid them
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Why You Need a CMPS® - NOTE: only CMPS-certified individuals are licensed to use this article
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Why You're in Danger of Closing Delays (and how to avoid them) - Illustrates the TRID timelines and how homebuyers and sellers can avoid closing delays
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Real Estate Investor

Five Pitfalls to Avoid When Investing in Real Estate - Outlines why real estate investors need you.
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How to Benefit From a 1031 Exchange - Illustrates the timelines and explains the benefits of using a 1031 exchange
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Investment Property Math: 30-yr vs. 15-yr Mortgage - Frames the discussion for investors regarding whether they should use 30-yr mortgage vs. a 15-yr mortgage
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Investment Property Math: ARM vs Fixed Rate - Outlines three factors to consider when choosing between an ARM and a fixed rate on investment property
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Rental Affordability: Nearly Half of Renter Households Are Cost-Burdened - Illustrates how renters struggle with affordability
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Rental Demand: Growth in Renter Households at 50-Year High - Illustrates the growth in renter households
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Rental Supply: How Individual Real Estate Investors Are Benefiting - Illustrates how current market conditions are great for individual real estate investors
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Three Questions to Ask Before Investing in Real Estate - How to set up the mortgage planning conversation with real estate investors.
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Three Steps to Get Started as a Real Estate Investor - Illustrates how new real estate investors can get started by taking a strategic approach
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Three Trends that Could Impact Real Estate Investors - Illustrates three trends that make it desirable for real estate investors to jump into the market
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Two Approaches to Consider When You Invest in Real Estate - Illustrates the difference between the "buy and flip" strategy and the "buy and hold" strategy
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Mortgage & Real Estate Taxation

How Changes to the Gift Tax Exclusion May Impact You - Illustrates the 2021 gift tax exclusion limits, and why it matters to a homebuyer - last updated 01-2021
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How Changes to the Mortgage Interest Deduction May Impact You - How the new tax law changes the mortgage interest deduction - last updated 01-2021
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How the Standard Deduction May Impact You - Illustrates how most homeowners and homebuyers are likely to take the standard deduction vs itemized deductions - last updated 01-2021
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How to Calculate the After-tax Cost of Your Mortgage - Illustrates the math formula for calculating the after-tax cost of a mortgage
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How to Get the Primary Residence Capital Gains Tax Exclusion - How to help clients and strategic partners understand the principal residence capital gains tax exclusion.
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Is Interest on Home Equity Loans Tax Deductible? - Illustrates the rules surrounding the interest deduction on home equity loans and lines of credit
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Real Estate Investors Now Get a Special 20% Tax Deduction - Outlines the new 20% tax deduction for real estate investors - last updated 01-2019
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Tax Deductible Items for 2020 Mortgages - Outlines tax-deductible items for 2020 mortgage closings - last updated 01-2020
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Tax Deductible Items for 2021 Mortgages - Outlines tax-deductible items for 2021 mortgage closings (tax returns to be filed by April 2021) - last updated 01-2021
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The 90-Day Window for Cash Buyers: How it Works & Why it Matters - How to illustrate that cash buyers have 90 days to place a mortgage on the property in order to qualify for acquisition indebtedness - last updated 01-2019
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The Gift Tax Myth: How to Navigate Around It - How to make better use of the annual and lifetime exclusions to the gift tax when using gift money for a down payment - last updated 01-2021
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Thinking of Pulling Money Out of a Retirement Account? - Outlines the impact of pulling cash out of a retirement account - last updated 01-2019
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Three End-of-Year Planning Questions - Three End-of-Year Planning Questions - last updated 12-2019
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Three Things You Should Know About Pulling Cash-out For Home Improvement - Describes three tax rules homeowners should know about when pulling cash-out for home improvement purposes
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What California Homeowners Need to Know About Forgiven Mortgage Debt - How the insolvency & non-recourse exceptions work for forgiven mortgage debt - last updated 01-2019
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What You Need to Know About Forgiven Mortgage Debt - How the insolvency exception works for forgiven mortgage debt - last updated 01-2019
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What You Need to Know About the Mortgage Insurance Tax Deduction - Outlines how the mortgage insurance deduction works - last update 02-2020
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When is Mortgage Interest Tax Deductible? - Illustrates the rules surrounding acquisition indebtedness - last updated 01-2021
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Homeowner or Move-up Buyer

30-Year vs. 15-Year Mortgage: Four Questions to Ask When Comparing Your Options - This article illustrates four questions borrowers should ask when comparing a 30-year fixed rate mortgage with a 15-year fixed rate mortgage.
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Fixed vs. ARM: Four Questions to Ask When Comparing Your Options - Illustrates four questions borrowers should ask when comparing an ARM vs. a fixed rate mortgage.
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How Low Housing Inventory Impacts You - Explain to buyers (and real estate agents) how low housing supply impacts the home shopping experience
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How to Understand Your Home Appraisal ($500k) - How to understand comps, adjustments and the appraiser's estimate of value.
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Should You Refinance a Low-Rate Mortgage to Pay for Home Improvements? - Illustrates why it may make sense to refinance a low-interest-rate mortgage
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Summer Guide to Home Improvements - Illustrates the 2019 trends in financing home improvements projects - last updated 05-2019
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The Opportunity Cost of Paying Cash - Illustrates why paying cash for real estate may not be a smart strategy
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Three Reasons to Finance Your Home Improvements - Outlines three reasons to finance home improvements vs. paying cash
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Time to Refinance? - Illustrates why a rate-and-term or cash-out refinance could make sense given the recent drop in rates - last updated 12-2021
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Two Questions to Ask Before You Make Extra Mortgage Payments - Illustrates why it may not be a smart financial idea to make extra mortgage payments
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Two Questions to Ask Yourself Before You Turn Your Primary Home Into a Rental - Two Questions to Ask Before You Turn Your Home Into a Rental
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Two Reasons Why You Should Keep Your Home Improvement Receipts - Two Reasons Why You Should Keep Your Home Improvement Receipts
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Which Home Improvement Projects Are Most Likely to Increase Your Home Value? - Outlines the top home improvement projects based on resale value
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Which Landscaping Projects Are Most Likely to Increase Your Home Value? - Outlines the top landscaping projects by resale value
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Vacation Home Buyer

How to Plan Ahead for Vacation Home Rentals - Excerpt of IRS tax tip 2018-79 regarding vacation home rentals
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Should You Cash-out Your Home Equity to Buy a Vacation Home? - Illustrates why it's better to put a mortgage on the vacation home vs. cashing out a primary
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Three Reasons Why Buying a Vacation Home Could be a Great Financial Investment - Three Reasons Why Buying a Vacation Home Could be a Great Financial Investment
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Two Things to Consider When Renting Out Your Vacation Home - IRS and Lending Guidelines to Consider When Renting Out Your Vacation Home
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Vacation Home Math: Buy it or Rent it? - How to determine if it makes financial sense to buy a vacation home
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Retirement & Elder Care

Are You Part of the Panini Generation? - Illustrates the growing cost of elder care; offers a mortgage and cash-flow consultation as a potential solution - last updated 01-2020
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How to Finance the Roth IRA Conversion Strategy - Where mortgage planning fits in with Roth IRA Conversions - last updated 01-2020
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How to Trade-Up (or Down) Using a Reverse Mortgage - How to Trade-up (or down) Using a Reverse Mortgage
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Low Bond Yields Are Causing Problems for Retirees - Illustrates how a reverse mortgage can help a retiree preserve assets for a longer period of time in light of low investment yields - last updated 01-2020
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The Case of the Missing $40,000 - Illustrates how a reverse mortgage can help to supplement retirement income
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The Rules of 25 and 72 - Illustrates the rule of 72 and the rule of 25, and how these can be used when budgeting for retirement
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Three Benefits to Working Past 70 - Outlines three benefits to working past age 70 for clients who are thinking of delaying their retirement
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Three Important Facts About Social Security - Outlines three little-known facts about social security benefits
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Three Questions to Ask Yourself for a Happier Retirement - Three step process of how you help clients obtain the Critical Capital needed for financial independence
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Timing is Everything… Especially During Retirement - Illustrates how a reverse mortgage mortgage can be used to help support a "distribution sequencing" strategy
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What is a Reverse Mortgage? - Illustrates the home equity conversion mortgage (HECM)
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College Funding

College Costs Got You Worried? Here Are Two Resources that May Help. - Provides insight and links to the "net cost" calculator and scholarship programs
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How Much Does College Cost These Days? - Illustrates average college costs for private and public schools
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How Much Student Debt is Too Much? - Illustrates why it's important to examine the earnings potential of the degree you want before you get into debt to acquire it
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Is Student Debt Standing in the Way of Homeownership? - Examines the correlation between student debt and homeownership
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Three Advanced Professions that Don't Require Advanced Degrees - Helps you recruit young talent into the insurance, mortgage and real estate industries
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Three Things You Can Do to Better Prepare for College Expenses - Illustrates three ways to better prepare for college expenses
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Two Things You Should Know About 529 College Savings Plans - Illustrates how 529 college savings plans work
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What's a College Degree Worth? - Provides a link to a study conducted by Georgetown University that illustrates the economic value of various college majors
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Sample Image

Thomas Ooten 386 301-7965, (CMPS®) - CLICK HERE to learn more

About Us

We've been helping customers afford the home of their dreams for many years and we love what we do.

www.nmlsconsumeraccess.org

Contact Us

Thomas K. Ooten - NMLS314135
3959 South Nova Rd, Suite B30
Port Orange, FL 32127
Phone: (386) 301-7965
Tom@KesslerHomeLoans.com

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