Andres Munar on Facebook

Sitting in my home office going about my day and my phone rings. So as usual I pick it up. Me: Freedom Mortgage this is Andres Speaking Client: You're in the office Me: Yes mam Client: WOW I've called 8 other brokers/banks and none have picked up their phone or returned my callAnd BAM just like t...

It was around 8:00 pm when I left my house yesterday as I was headed to my league volleyball game. I knew it was snowing a bit so I wore my sandals out as I didn't want to get my shoes wet for the game. To my surprise it was snowing harder than I thought. And it was the big flurry, really slippy,...

Well the bad news is yes. We received a little bit more snow this evening that could accumulate from 1-3 inches. I had a volleyball game this evening and the roads were slushy and side walks were slippy. But after wards they had been cleared up. The good news is that the rest of the week into the...

As with every mortgage that is "full doc" which means that income must be verified via w-2's, pay stubs, tax returns etc income will be the determining factor of how much you can be approved for. It's very important that this income is calculated correctly. There are all type of incomes from eith...

When I tell you verbally over the phone that you're pre-qualified it's much different than actually being pre-approved. Verbal pre-qualifications are great for many reasons. It's the quickest and fastest way I can tell if a client WOULD be a good candidate for a mortgage. It allows an applicant t...

Well you know what they say the numbers don't lie. Below is the report for January 2011 from the Centre County Association of Realtors. There were 176 new listings totaling over $46 million dollars of new inventory which is typical now that the holidays are over. Also keep in mind that these numb...

"Mr. Jones your DTI is way off" In this short informative post I'll teach you how to make sure that those words don't come out of your lenders mouth! DTI is also knows as debt to income ratio and PITI is the acronym for Principle, Interest, Taxes & Insurance. Any insurance that will be paid inclu...

Everyonce in a while I deal with clients who have part-time jobs. Some are teachers and coach sports part-time, some are moms who have part-time job and I've even had retired clients who have part-time jobs at grocery stores or whatnot. The short answer to this question is YES! But as with any mo...

1755 lockport road lewistown, PA 17044 3 BED 1 BATH RANCH COMING SOON. CALL FOR DETAILS Home Photo Gallery Virtual Tour Property Map Payment Info Request Showing Contact Me Brian Bender Realtor Office:814-272-3333 Mobile:814-232-1007 Website:Visit Website Price : $92,400 Bedrooms : 3 Bathrooms :...

YUP that's right. The president of the United State of America is coming to my little town. Well to some it's a little town but to those that are familiar with State College, PA know that we're kind of a BIG  deal because "WE ARE PENN STATE" Originally he was scheduled to speak tomorrow February ...