Kathy Sheehan Mortgage Lender

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Mortgage and Lending - Bay Equity, LLC 770-634-4021 - NMLS #206275 GA 25689
RECENT BLOG POSTS
Rising mortgage interest rates will bring some new challenges to many first time home buyers.  The increase in rate will decrease the maximum loan amount they can be approved. Here is a quick comparison of the principal and interest payments: $200,000 @ 3.5% = $898.09 $200,000 @ 4.5% = $1013.37  ...
06/28/2013
This morning as I was driving to my office, I saw a highway display sign with a message that in 2013 there have been 538 fatalies.  As I continued to drive, I starting thinking about that statistic.  (Okay, I like math, always have - always will).  So, since today is June 27th, that means that 17...
06/27/2013
The mortgage process made easy... yes it is possible!  This is my advice, but has also been confirmed by a client that closed on their new dream home earlier this month. To give you a little background, the buyer had a credit score slightly over 700, solid work and housing history and a 20% down ...
06/26/2013
  To challenge your Georgia property tax bill you need to take action.   There will be a notation on the tax assessment, the “Last Date to File Appeal.”  This date will NOT be forty-five (45) days from the time the assessment arrived in the mailbox, but instead forty-five (45) days from the date ...
06/25/2013
This is a warning for home buyers, mortgage rates are increasing.  Last week (ending June 21, 2013) the mortgage backed securities market closed -314 basis points.  It seems that the market did not like the announcement by the Fed that they would start to ease buying of mortgage backed securities...
06/23/2013
  Moving your business forward is a daily activity.   As commission only sales professionals every day starts the same.  In fact, I like to say that I am unemployed every morning until I accomplish certain tasks.  If you think about it, until you have done something to make a sale every day, tech...
06/23/2013
Successful marketing, those two words conveys anticipated results.  Successful marketing takes time.  Successful marketing requires dedication.  Successful marketing will provide the financial benefits we expect.  When it comes to marketing our business, it can easily be compared to that of the e...
06/23/2013
Grammar, is it important?  This was the question that recently came up at a meeting with several of my referral partners.  We were discussing all of ways we communicate with our clients and co-workers.  We all agreed that email, voice mail, text messaging and interoffice messaging are great time ...
06/23/2013
Pricing your rental property can sometimes be a challenge.  Wouldn't it be nice to find a tool to help you make that determination?  Well, I work with a number of investors and one recently shared this with me.         Have you heard of the www.rentometer.com website? This is a very quick and eas...
06/23/2013
The verification of rent is a vital piece of the mortgage qualification procedure.  There have been many changes in the underwriting process for a mortgage.  If you want to borrow money, you have to prove you have a satisfactory payment history.  This applies to more than an application for a mor...
06/23/2013
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Kathy Sheehan

Senior Loan Officer
local_phone(770) 634-4021
smartphone(770) 634-4021
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