10 Ways to Make the Most of a Conference

As a busy professional, your time is precious. Taking time away from the daily grind to attend a conference is a big deal. Attending networking or professional development conferences can be really valuable for relationship building, recruiting, inspiration, vendor and partner sourcing, education, innovation, and new business opportunities. In order to maximize the return on your investment, you must have a plan.

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Credit Report Rescoring: Can It Help You Get a Mortgage?

As former Fed Chairman, Ben Bernanke, recently found out firsthand, the mortgage process can be complicated and unforgiving. But when it comes to the credit report, are there still options to correct and improve initial findings so the end result might be loan approval or a better interest rate? Absolutely. One of the ways we accomplish this re-evaluation of the credit score is through a process known as a rapid rescore.

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Top 5 Real Estate Apps for Home Buyers and their REALTORS®

For years, popular apps like Zillow and Redfin have been putting home buying tools in the palm of our hands – making the search for a new home easier with a few swipes of a finger. But recently, we’ve seen several new apps leading the charge in giving buyers the power to visualize their real estate options, and REALTORS® a competitive edge in a challenging market.

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Should I Get a Gift or Co-Signer?

Here at RPM, we see a fair amount of high loan-to-value mortgage scenarios – meaning lower down payments with more borrowed from the lender. It’s because the real estate values in our service areas tend to be high and it can take a while for buyers to save the funds needed to purchase a home. So 10% down payments (or even less) are not uncommon and we see them across the borrowing spectrum, from the conforming range (below $417,000) all the way to homes exceeding $1 million. Some buyers also need a boost in their income to be able to meet the debt-to-income ratio requirements to qualify for a loan.

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What Does New FICO Scoring Really Mean for Mortgages?

We asked our Chief Credit Officer, Gary Scoma, to break it down for us.

Gary Scoma PhotoFICO is the most widely used credit score. The three major credit repositories, Equifax, Experian and Transunion, work with FICO to develop their scores. But, when it comes to mortgages, FICO is the only credit score that is considered. So, when FICO recently announced it was changing its scoring system, the resulting headlines caused some confusion and debate. Will FICO’s decision to recalculate credit ratings be a boon for the mortgage industry? Some say the changes will not impact consumer credit in any meaningful way. So, what’s the real story here?

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Four Tips for House-Hunting Millennials

If you follow the news surrounding the housing market, you know that the reluctance of millennials to purchase homes has been a contributing factor for holding back economic recovery. New to the world of real estate, millennials face financial challenges that are magnified by factors such as student debt, a tough job market and a lack of credit history to qualify for loans. The vision of a dream home is often more grand than their budget reality.

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Why Does Corporate Culture Matter?

Corporate culture can sometimes be difficult for companies to define. It’s something employees feel. It guides them through their work day and sets a tone for their experiences working with their company. It’s more than logos and slogans, it’s a unifying force that drives success or failure. But it is not always easy to capture or describe in words. So when Troy Chambers, branch manager of RPM’s Bellevue office, set out to define the culture that was developing around him, he enlisted the help of his team.

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