Who can gift the FHA downpayment?

Clay Johnson:                    Hi. Cheryl Knowlton here, with Castle & Cooke Mortgage, and I’m here with Cheryl Knowlton, from Dynamite Productions. Cheryl, you’ve done the real estate, you’ve done the mortgage side, so you know so much of the stuff with the FHA loans. One of the things we want to talk about is how that 3 1/2% down payment on …

FHA Loans: non-occupant co-borrowers

Clay Johnson:                    Hey there, Clay Johnson, Castle and Cooke Mortgage,  I am with Cheryl Knowlton with Dynamite Productions. We wanted to hit a little bit today on the FHA loan. We’ve talked a little bit about this in the past, but guys, there’s something that you need to know on this one that is absolutely incredible. And that is mom …

Down-Payment Assistance and FHA

Cheryl Knowlton:             Hi everybody. Cheryl Knowlton, Clay Johnson coming at you for the last in our series this week on down payment assistance and really cool programs. Clay Johnson:                    Yeah, low down payment programs as well. Because last week we talked about the conventional 3% down and that is awesome but conventional is still stricter when it comes to what …

FHA down payment of 3 1/2 % is 100% giftable

  Cheryl Knowlton:             Hi, everybody. Cheryl Knowlton, Clay Johnson coming at you for episode four of Down Payment Assistance. So we’ve talked about some of the neat programs that are out there. There are some low down payment programs that are really unique. Clay Johnson:                    There are. And for the longest time, we always talked about conventional financing. We always …

Down Payment: How to stand out with your offer

Cheryl Knowlton:             Hi, everybody. Cheryl and Clay coming at you, for episode three of Down Payment Assistance. But this time, definitely want to make sure that you understand. I get this question all the time. “As a buyers’ agent, how do I help my buyers’ offers stand out and be more competitive, especially in a very hot multiple offer …

Down Payment Assistance Part 2

Cheryl Knowlton:             Hi everybody, Cheryl Knowlton and Clay Johnson. Clay Johnson:                    Hi. Cheryl Knowlton:             Coming at you with episode two of Down Payment Assistance, how to bypass the myth that you have to have 15% down. Okay so Clay, there are a lot of city and county programs, and really neat. Clay Johnson:                    There’s so many and it’s so …

Down Payment Assistance

Cheryl Knowlton:             Hi everybody and welcome to a new week’s worth of amazing content. I’m here with Clay Johnson. Clay Johnson:                    Hi again. Cheryl Knowlton:             From Castle and Cooke Mortgage. This week we’re going to be talking about down payment assistance. There are so many misconceptions, Clay, about down payment and even worse than buyer’s misconceptions. I don’t think real …

Data Security: Protocols and Systems

Cheryl: Hi everybody. Cheryl Knowlton and Clay Johnson. Clay:                      Hello. Cheryl: Back at you for episode five of this week’s series on data security. So Castle and Cooke have an amazing system and protocol for making certain that lenders have so much more personal data. Basically you have a buyer’s entire world. Clay:                      Yeah, and in fact more than an …

Data Security: Keeping your email accounts safe

Clay Johnson:                    Hey guys, Clay Johnson here with Castle & Cooke Mortgage with Cheryl Knowlton, the guru. And we’re here to talk about data security once again. And I know that over the years, Cheryl, we’ve been doing this a long time, some crazy experiences.you had one specifically that was kind of shocking. Cheryl Knowlton:             Absolutely. So recently I …

Data Security: Wire Fraud

Cheryl Knowlton:             Hi, everybody. Cheryl Knowlton and Clay Johnson. Clay Johnson:                    Hello. Cheryl Knowlton:             Back for Episode 3 of Data Security. So let’s talk about this national epidemic that has really caught fire in the last especially a few months. Clay Johnson:                    Oh, it’s been crazy. Cheryl Knowlton:             Absolutely. Of wire security and wire fraud specifically. Clay Johnson:                    …