Mortgage Miracles Happen - Ben Gerritsen

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Mortgage and Lending - Mortgage Miracles Happen, NMLS ID: 1289680 - NMLS # 285653
I provide mortgage financing tips, financial news, credit tips.
The markets are improving overall. There are changes for the positive on the lending side as well. So many people hum about how bad the industry is.  Well you know what, it's actually good.  There are so many positive improvements that not only have happened, but other things that are happening ...
Who's ready for a tax increase?  Like it or not The standoff in Washington for the payroll tax cut is going to be funded by no other than the homeowners of all people that have any type of mortgage after Dave Camp's (R-CA-3) Bill HR3630 entitled "Temporary Payroll Tax Cut Continuation Act of 2011...
If you are looking for a way to give you spouse and your children a gift of love that can't be replaced, you may want to think of something that not many people do this time of year. Over the past few decades, the percentage / ratio of adults that have life insurance has dropped from over 75% to ...
Our latest home buying report in Utah is that home purchases are up in Utah compared to this time last year.  If you think you might be able to move, why wait? Foreclosures remain a major weight dragging down on the national housing market, and then there's the massive shadow inventory of distres...
There is a big unknown black hole when it comes to escrow accounts. How do escrow accounts work? Why should I have one? Does it cost more or is it cheaper to have an escrow account with my mortgage? What is an aggregate adjustment? How do refunds work when my loan is paid off? On a purchase loan,...
Your Credit ScoreWhat It Means to You as a Prospective Home Buyer Introduction The subject of credit scoring has become an increasingly hot topic, and for good reason. For many years, the general public only associated the concept of credit scoring with the need to purchase high-ticket items suc...
 Click here for a 2011 county-by-county loan limit list. Conforming mortgages are appropriately named; they “conform” to the mortgage underwriting guidelines of Fannie Mae or Freddie Mac.  Mortgages meeting these criteria are securitized on Wall Street as mortgage-backed bonds (MBS’s). Since 2007...

Ben Gerritsen

Mortgage Loan Originator
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I am a financing guru. I have over 14 years of experience in the financing industry. I have a high closing ratio of loans that I help clients with. This comes from knowing if someone is a candidate right now or if they need to do things to prepare to be a borrow at a later time. If someone doesn't qualify right now, I help that person so they will at some future time so they everyone has hope to improve their circumstances.