We talk about the mortgage loan application, the Loan Estimate, and other disclosures, and credit repair.
With Raquel Flournoy of Credit Optimization Program
Grew up a military brat from Fort Lewis, graduated from Spanaway Lake High School then attended Seattle U studying accounting. I married my high school sweetheart and we have to adult children; Sherise and Jordan (26 & 21) plus my furry baby Hannibal.
Majority of my career has been in the accounting / tax field. I specialized in construction cost accounting when I opened and managed Accounting Pros NW. I have experience with A paper mortgage lending and Private Lending leverage with land/property. Budgeting, audit and finance comes natural to me. I enjoying analyzing numbers. Real Estate is also a passion of mine.
I started the Credit Optimization Program when I saw a need for consumer credit consulting after the housing market crashed. Many people and families were affected by this. There is no government agency that will “audit” a consumer’s credit report and hold the credit bureaus accountable. The only person that can hold the credit reporting agency accountable is the consumer.
There are great laws in place to protect the consumer but without the audit there is no way to know if the bureaus are following the laws. COP is making sure the credit bureaus are compliant.
Lockin it In Episode
Today we talk about house hunting with Perrin J Walker (yes, this is our son). He’ll share his experience in the home shopping process.
In the second half, we’re joined by Libby Cruthers, Insurance Agent at Elliott Insurance Group. She’ll enlighten us on the important topic of homeowner’s insurance.
Libby Cruthers has insurance in her blood – her mom has been in the industry since college and Libby started working for the family business in middle school. They currently own and operate Elliott Insurance Group in Lakewood, which specializes in property and casualty insurance (home, auto, business, umbrella, etc.).
Libby is the president of the Insurance Professionals of South King County and is passionate about helping people understand their insurance needs. She and her husband live in Tacoma with their daughter and two dogs.
Lockin it In Episode
Your later years can lead to the death of an income-producing spouse or a chronic illness which can wipe out your assets. This week, we discuss ways to protect your home should misfortune strike.
Aric Walker received his Bachelor of Arts Degree from Brigham Young University in 1991 with a major in Political Science and a Minor in French. He then worked in finance for over 20 years. As a loan officer, and underwriter he helped people with their mortgage needs. For the past 9 years Aric has focused on helping individuals and businesses improve their long term bottom lines and plan for the future through a variety of unique solutions that are tailor made to each business or individuals’ needs; ie; let’s reduce your taxes forever. Some of these products help the business reduce costs while maintaining great benefits, some reduce taxes and still others of these solutions helps individuals protect, enjoy and or transfer their wealth in the most efficient way possible. This means your money will last through your golden years and will work in the best way possible for you financially. These solutions come from the areas of health insurance, life insurance and variety of retirement products; some of which are less well known to the general public and some financial and benefits brokers. His eyes are always out looking for truly great solutions to challenges we all face and how to tailor fit those solutions to each client’s needs and desires. One of the greatest professional achievements is to give people confidence that their financial picture (retirement) is going to work out and Aric partners with many different professionals in order to give clients the best solutions to all the different areas they are concerned about. Aric works with The Thomas Group for insurance services and Virtue Capital Wealth Management, LLC for stocks and mutual fund type investments and Aric holds a series 65 license.
In addition to work; Aric enjoys playing drums in a classic rock cover band named “Don’t Tell Mom”. He is an Eagle Scout and is actively involved in his church congregation and youth groups. He is married to Lora for 27 years and has a 18 year old daughter, Aurora. Basketball is another fun activity he still enjoys along with canoeing and camping.
Lockin it In Episode
Lockin’ it In welcomes to the show Leah Nitz, of Constructive Consulting, LLC Home Staging & Redesign. We’ll chat about the fun and creative topic of Home Staging.
Leah Nitz, Home Stager
I was a Project Manager for 20 years. I learned project management in construction administration building out bank branches. I started as a Project Coordinator and worked my way up, and took training along the way. I loved buying the products for each project and weighing in on design decisions. After the market crash in 2008 everything changed and I became a 1099 contractor taking project management contracts in all different industries and companies from Microsoft to a startup with 5 employees. I have always missed the buying product and space design elements from my past.
In 2012, I started a side business making Cardigan Clip jewelry and now ‘Something Old, Something New’ bridal jewelry to allow me to use my creative side again. I worked full time on the jewelry business for a year.
I have thought about becoming a home stager many times over the years, but something always held me back. This year I decided to go for it! Shortly after opening Constructive Consulting, LLC Home Staging & Redesign, I opted to become certified. The training gave me the answers I need to handle all the tricky older homes in the Kitsap Peninsula area. The ability to help homeowners increase the value of their home by making it more appealing to a wider mass of buyers is so gratifying.
My mission is to make your home a place where buyers aspire to live. I neutralize homes with furniture and accessories but also through paint, flooring and updated fixtures. I partner with home owners to match the needs of the market with the availability of their resources.
Home Staging | Leah Nitz
Saturday, August 4th, we welcomed Nick Baker of VOY Home Services to the show. We chat about the fun topic of carpeting. Nick even read a snippet from his upcoming book.
After the show with our guest Nick Baker
BIO | VOY Home Services is a quality centered cleaning company based in Renton, Wa. Customer service is number one to us and our quality is leading edge. We offer carpet cleaning, window cleaning, pressure washing, roof cleaning and gutter cleaning. We are IICRC certified carpet and upholstery specialists trained by industry leaders from across the country.
#realestate #lockinitin #carpet #carpetcare#realestatesherpa #cleancarpet #carpetcleaning #puyallup #wa#tacoma #pugetsound #lakewood #klay1180 #radio
Carpeting | Nick Baker
We talk with Roger Merrell, Jr, Inspector and 203k Consultant from Merrell Inspection Services, LLC.
Listen to our conversation to learn about FHA 203k Rehab and Fannie Mae HomeStyle rehab loans get an insider’s look at home inspection.
Rehab Loans & Inspections | Roger Merrell
Lockin’ it In with Deb and PerJoin us for the LIVE PREMIERE of “Lockin’ it In with Deb & Per” July 21st on 1180 KLAY from 10-11 am.
Stream live @ klay1180.com.
We welcome our first guest, Corinna Obar, from the Washington State Housing Finance Commission. She’s here to discuss the state’s down payment assistance programs.
If you have questions you’d like answered on the show, please enter it below.
BIO OF CORINNA OBAR
Corinna is the Manager of the Homeownership Division at Washington State Housing Finance Commission. Corinna is responsible for tactical implementation and daily operations of the statewide Homeownership Programs. These programs provide first time homes to over 4000 low to moderate income families each year, utilizing mortgage revenue bond programs, homebuyer education programs, lender training programs and other special programs.
She also collaborates in partnership with non-profits and statewide municipalities to develop down payment assistance programs for low to moderate income families.
Corinna’s passion is helping bridge the gap to homeownership. Her background includes over 25 years in mortgage lending and retail banking.
The Commission is a publicly accountable, self-supporting team dedicated to increasing housing access and affordability and to expanding the availability of quality community services for the people of Washington.
Downpayment Assistance | Corinna Obar