Let’s talk CREDIT – The 6 factors that most affect your score!

Matt Rizzolo of Black Diamond Mortgage with the 6 items that affect your credit score: Amount of inquiries in the past 2 years Important not to have too many Similar inquiries may be treated as one, such as if you are shopping for a mortgage Number of new accounts in past 2 years Don’t open

Today is National Independent Mortgage Brokers Day!

Dave: Hey friends of Black Diamond Mortgage, Dave Boye and Matt Rizzolo here. Today is National Independent Mortgage Broker Day, and in honor of that, we wanted to talk about six things that make mortgage brokers the best place to get money to buy or refinance a home. One of them might be obvious, but

$5.4 Trillion Available! The most EVER

See story: https://www.cnbc.com/…/homeowners-are-sitting-on-5-point-4-…     Dave: Hey friends of Black Diamond Mortgage, Dave Boye and Maria Phelps here. I just saw a headline on MSNBC (just google 5.8 trillion dollars cash in people’s homes and it’ll come up), but they’re bringing up a point that I thought would be good for all of us to

You don’t have to pay cash for Condos!

Dave: Hey friends of Black Diamond Mortgage! Dave Boye and Matt Rizzolo here in “condo alley” in Whitefish, Montana. We can see 5 different condominiums from where we’re standing. Are all of these condos the same? Matt: No, they’re all different! Dave: An important thing to know about condos is all condos are different. Each

FAST 24/7 Mortgage Approvals!!!

Check out Dave Boye’s important message from the summit of Big Mountain/Whitefish Ski Resort! Today we had a client who needed a question answered at 5:30 (after business hours) and we got back to them with the answer quickly, which illustrates the most important point: that we are in the business of being EASY TO

Multiple underwriting systems mean multiple ways to get your loan approved!

Hear Maria Phelps and our new loan officer, Matt Rizzolo, explain the multiple ways Black Diamond Mortgage can get your loan approved through different underwriting systems. Some recently experienced Fannie v Freddie differences: – Different debt to income ratio approvals – Different property analysis (private road maintenance agreements, water systems, condominiums (condos), shared wall agreements)

No Down Payment, No Problem!

Is your savings balance a little low these days? We have zero down options for your home purchase! Just bought a new car or truck and now you can’t afford a down payment on a house? You might be able to borrow against an asset, or use gift funds from family to help with your

We worry about mortgages so you don’t have to!

Check out Dave Boye of Black Diamond Mortgage enjoying a Saturday skiing near Glacier National Park. These guys are just worried about pow skiing – you didn’t hear them say they are worried about mortgages. That’s what we do! We worry about mortgages so you don’t have to!

Credit Scores & Credit Fundamentals

Course Outline The Cost of Poor Credit 3 Major Categories of “Credit Condition” Accurately know your credit What a creditor needs to loan to someone who has made mistake(s) Precision Credit Group (http://mortgagecreditfix.com/ ) Technical stuff Q&A The Cost of Poor Credit Delayed purchases Higher Interest Rates Ability to buy nicer homes / cars /