Team Hochberg Blog
Closing Costs: How to Understand the Fees on Your New Mortgage
Several months ago I debuted my #ClosingCostChallenge. If you bring me a Loan Estimate from any of my competitors that advertise on the radio, I will compare apples to apples with what Homeside Financial, LLC. can offer and if we can’t beat the other lender’s costs, I’ll donate to the charity of your choice whatever…
Read MoreReverse Mortgage Loans: The Most Misunderstood Loan Product
Reverse mortgage loans can be great products, but they are undoubtedly the most misunderstood product out there today. Terrible lenders and general con artists love to use the foundation of a reverse mortgage loan to scam people. But that has nothing to do with reverse mortgage loans. Having said that, misunderstanding what a reverse mortgage…
Read MoreHow To Screw Up Your Credit Score Without Knowing It
Normally when you’re screwing something up… you’re aware of it. That’s at least how it normally goes for me. But when it comes to your credit, there is so much misinformation out there that it’s easy to make mistakes that hurt your credit… when you think you’re actually helping. Check this out for more information.…
Read MoreRetirement Income: Avoid The Shock
Forbes came out with an article discussing “retirement income shock.” Essentially, the different ways that your income can take a hit while you’re retired. This is a scary prospect for most people, and people wind up quickly destroying what they’ve saved if they don’t have a plan on how to maximize their retirement. You’ve gotten…
Read MoreThe Costs of Not Selling Your Home With a Real Estate Agent
We live in the DIY time where everyone thinks they can do anything they can find on youtube. As a result, many people are leaving money on the table when they go to sell their home without a real estate agent. You certainly CAN sell your home without a realtor, but why would you when…
Read MoreSelf Employed: How To Get A Mortgage and Keep Doing What You Love
People who are self employed aren’t doing it because it makes their life easier. Being self employed means more paperwork, extra steps, long hours, but it shouldn’t mean that you can’t get a mortgage. If you’re self employed, most of the time I’ll need a few extra bits of paperwork to get a mortgage, but…
Read MoreCredit Problems Make Your Entire Life More Expensive
If you have credit challenges, it’s going to cost you in many areas of your life. That’s why it’s so frustrating when I give people a plan to enhance their credit, which I can do for anyone that calls me for free, and they don’t follow it. It’s their money, and ultimately all I can…
Read MoreReverse Mortgage Loan Scam: Another Con Artist Takes Advantage of the Elderly
About once a week I see a story about some con artist who is scamming people out of money under the umbrella of a reverse mortgage, and this week I found this story. So let me say, for the 100th time. These stories have NOTHING to do with Reverse Mortgage Loans. They have EVERYTHING to…
Read MoreHow Much Does It Cost to Buy A Home?
Whenever people call 855-563-2843 to buy a home, they almost always ask me how much it’ll cost to buy a home. The answer is always the same… It depends. How much do you have to put down? It doesn’t have to be 20%! Are you interested in pursuing many of the grants and down…
Read MoreEverything You Need to Know About Your Credit Score
You hear from my credit enhancement expert Gary Novel every single Saturday on my radio show on WLS. Gary offers a tip about your credit every time he’s on and those tips are vital information for consumers who are credit challenged. No matter where your credit score is, my team can give you a plan…
Read More