Eliud Gautier

The leadership of the NY, NJ and PA National Association of Hispanic Professionals (NAHREP) Chapters developed the 2nd Annual NAHREP Conference - New Business Opportunities In Serving the Hispanic Market on January 23 - 24, 2008. The Conference Chairperson, Nelson Ramos of SunTrust Mortgage, Inc....

Who wins, who loses after the Federal Reserve rate change?Stimulate the Economy Today!Feds Cut Interest Rate by 0.75 Points - The object of this cut is to do something withn the next few months in real estate....(1) Refinance Your Adjustable Rate - but don't go back to the same dud that got you i...

Basic Guidelines for ITIN Loans  I - Identification Documents Individual Tax Identification Number (ITIN) II - Government Issued Photo ID required for ITIN Loan Passport from country of origin; orMatricula Consular de Identidad; orCedula de Identidad. III - Income Requirements for ITIN Loan - No ...

Martha Argelia Martinez, of the Institute for Latino Studies, at the University of Notre Dame wrote the following in a study commissioned by Esperanza, Inc. (the largest Hispanic faith based organization in the country):The Latino population, and in particular Latino immigrants, has become a cent...

First Time Homeownership GrantsThe following links will direct you to grant opportunities for First Time Homeowners. Each county has a distinctly different program from the others. Some have residential requires, while other don't. Some require 16 weeks of training, and other only a 6 hour worksh...

If you are a Real Estate Professional within 150 miles of Atlantic City, NJ, there is a high probability that you'll be working with members of the largest Hispanic community in the USA. Therefore, I highly encourage you to attend the 2nd Annual NAHREP Conference in Atlantic City, NJ because this...

In addition to attending regional networking events, I began Electronic Networking on various free websites. Active Rain   -   Plaxo   -   LinkedInIt requires some work but like all networking relationships it requies time and energy. Some times I wonder if it is worth the investment online but t...

 Esperanza USA, one of the largest faith based organizations in the USA, lead by Rev. Luis Cortes developed an extensive study with the assistance of the Institue of Latino Studies of Notre Dame - Promoting and Maintaiing Household Ownership among Latino Immigrants, released June 2007.If you are ...

I don't get asked this question by other LOs around the country - Should I get involved with the ITIN Loan as a LO?But LOs want to know about the DTI, the LTV, the credit scores, the available rates, and could these loans be brokered.Well, here is the answer to the unasked question - and I am goi...

Failed comprehensive immigration reform doesn't mean homeownership for Latino immigrants is dead in the water. The ITIN Loan is the bridge between a transcient immigrant community and a well rounded integrated Latino community.Now, what is the role of a real estate agent and loan consultant?  Wel...