SHAMROCK FINANCIAL'S BLOG

October 19, 2017

Why Sell Your House? Five Compelling Reasons

Why Sell Your House? To sell or not to sell – that is the question. If this thought has been floating around in your mind, what has been stopping you from taking the plunge? Perhaps you are unsure about whether you would make a profit, or when you should put your…
August 17, 2017

Homeownership Made Easy with Rhode Island Housing

Buying a Home Gets Even Easier with Rhode Island Housing! Buying a home these days is no easy feat. In addition to the price of the home itself – which can be extremely high – you can’t forget about legal fees, appraisal expenses, closing costs, and moving expenses. And given…
August 10, 2017
homes for sale in ri

Homes for Sale in RI – What Not to Do

It’s Time to Buy Your home. It’s not just a place to rest your weary feet, but it can also be a great investment. But if you don’t play your cards right, you could be in trouble. So, when it comes to buying a home, there’s the right way to…
August 3, 2017
What does a mortgage underwriter look for?

What Does a Mortgage Underwriter Look For?

Under the Covers – Buying a Home Buying a home – you know the deal from your end. But there is much more to buying a home that just the budget and home search. Do you know what happens after you talk with a loan officer and provide the paperwork…
July 27, 2017
what is a 5/1 arm

What is a 5/1 ARM? Everything you need to know

Make Way for Your Mortgage! Question: what is the biggest single purchase that you will ever make? If you guessed your house, you’d be right. And if you’re like most Americans, you need a mortgage to afford that purchase, and it could take you anywhere between 15 and 30 years…
July 20, 2017
first time home buyer grants

First Time Home Buyer Grants You Need to Know

How do you go about affording your first home? Some say with saving all of your pennies, others may beg family for personal loans, and even more may just forget the whole prospect because it seems out of reach. But not so fast! Did you know that there are grants…
July 6, 2017
how to get a home loan

Getting That Home Loan in Five Easy Steps

How to Get a Home Loan Unless you just won the lottery or inherited money from a long-lost relative, to buy your first home, you will need to get a home loan. Definition: Your mortgage is a loan that a mortgage lender gives to you to buy a home. That…
June 29, 2017
how long is a pre-approval good for

Mortgage Pre-approvals: They Don’t Last Forever

When it comes time to buy a home, you need to get your ducks in a row. That means doing several things. Having your down payment ready, knowing what you want in your home, and finding the right real estate agent. And don’t forget about that pre-approval! But how long…
June 22, 2017
home equity

Accessing Home Equity by Refinancing

Does this scenario seem familiar? Every month, you pay money mostly towards interest, plus some towards the principal, until you have paid off your debt. If this sounds like a mortgage payment to you, then you’d be right. Even though, at the beginning of your mortgage, most of your hard-earned…
June 15, 2017
mortgage company

Are you working for the Right Mortgage Company?

When you are a loan officer, you want to recommend the best personal and business loans for your clients. Finding the right mortgage lender for your clients is not just about getting the best interest rate. You want to make sure that you work with experienced professionals who want more…
January 3, 2017
Shamrock Financial featured imagee

Shamrock Financial Wins National Brightest and Best Award for the Third Consecutive Year

For the third time in as many years, Shamrock Financial Corporation has, yet again, won one of the sought-after National Brightest and Best Companies to Work For™ award. Handed out by the National Association for Business Resources (NABR), the Best and Brightest Companies to Work For™ competition acknowledges those businesses…
July 24, 2014

How To Create a Loan Officer Business Plan in 5 Easy Steps

High-producing loan officers don’t get to the top by accident. Successful loan officers have a formula for success which often includes a few simple disciplines repeated daily or DAS. (Daily Action Strategies) In addition, they have a road map they refer to frequently which leads them to the fruition of…
June 5, 2014

How to Find Your Perfect Niche Real Estate Market in 3 Simple Steps

Real Estate Agents and Mortgage Professionals know how difficult it is to be the “go-to” resource for every type of home buyer and referral partner. It’s a time-consuming circus act and it usually won’t result in dealing with folks who will do business the way you do. Conversely, some people…
March 13, 2014

Delete The Words Past Client Marketing From Your Vocabulary

There are certain words and phrases in the English language that are not acceptable to use for a variety of reasons. The real estate industry is no exception. The words and phrases you use can have a subtle yet marked effect on your approach to sales. One such phrase is…
August 17, 2017

Homeownership Made Easy with Rhode Island Housing

Buying a Home Gets Even Easier with Rhode Island Housing! Buying a home these days is no easy feat. In addition to the price of the home itself – which can be extremely high – you can’t forget about legal fees, appraisal expenses, closing costs, and moving expenses. And given…
August 10, 2017
homes for sale in ri

Homes for Sale in RI – What Not to Do

It’s Time to Buy Your home. It’s not just a place to rest your weary feet, but it can also be a great investment. But if you don’t play your cards right, you could be in trouble. So, when it comes to buying a home, there’s the right way to…
July 6, 2017
how to get a home loan

Getting That Home Loan in Five Easy Steps

How to Get a Home Loan Unless you just won the lottery or inherited money from a long-lost relative, to buy your first home, you will need to get a home loan. Definition: Your mortgage is a loan that a mortgage lender gives to you to buy a home. That…
June 29, 2017
how long is a pre-approval good for

Mortgage Pre-approvals: They Don’t Last Forever

When it comes time to buy a home, you need to get your ducks in a row. That means doing several things. Having your down payment ready, knowing what you want in your home, and finding the right real estate agent. And don’t forget about that pre-approval! But how long…
June 6, 2017
best mortgage lenders

Shamrock Financial – One of the Best Mortgage Lenders

Choosing One of the Best Mortgage Lenders If you have ever bought a home or are in the process of doing so, you know that you have a lot of boxes to check on your task list. You need to save up for that down payment, find the right real…
May 18, 2017

Buying a Home: Five Questions to Ask Yourself

Exciting, nerve-wracking, stressful, and wonderful – buying a home is all of those, and more. Borrowing thousands of dollars to buy a place to live, to create a home sweet home, is not something you should take lightly. It is a financial transaction that can have long-lasting effects, both good and…
May 9, 2017
student loan debt

Student Loan Debt and Home Ownership? It is Possible!

Drop the Burden of Student Loan Debt Getting an education is one way to help you land a satisfying career, but the problem with getting that education is the associated student debt. And there can be a lot of it. So much so that your amount of debt can prevent…
May 2, 2017

What Your Credit Score Range Says About You

A Primer on Your Credit Score When you apply for a loan – mortgage, car, or credit card – the lender will want to take a peek at your financial information, and that includes your credit score. This magical number indicates the likelihood that you will be able to pay…
April 25, 2017

Pre-approval – What You Need to Know

Are You Pre-approved? There are many parts in the process of buying a home: saving for a down payment, searching for homes, and negotiating the offer. But there is a crucial part that you should not ignore, and that is getting pre-approved. What does being pre-approved actually mean? It means…
April 20, 2017
making an offer on a house

Making an Offer on a House: The Unasked Questions

Buying a home can be an overwhelming task, but making an offer on a house is exciting! It takes time to arrange your documentation, get pre-approved, and even find the time to start looking! So when you do find the right house in the right location at the right price,…
April 18, 2017

A Complete Guide to Home Inspection

Your Ultimate Guide to Home Inspections When you want to buy a new TV or smartphone, you may look through flyers, research various options, and ask for recommendations to make sure you get the best value for your money. So why wouldn’t you do that with a home? To avoid…
April 13, 2017
mortgage payment

Worried about a Mortgage Payment? No Way!

Your parents did it, your friends do it, and probably your boss too. It’s called having a mortgage! Because it is such a large financial transaction, most people need to have a mortgage payment to afford the purchase. So yes, it happens to many of us. Even though searching for a…
April 12, 2017
house hunting

House Hunting: Women Versus Men

Home buying in the current age is more than just about the price. Sure, the price is certainly a factor, considering the trend of larger, and therefore, more costly, homes. But price, by far, isn’t the only factor that influences house hunting. Think location, surrounding amenities, and features of the…
March 28, 2017
credit rating

Credit Rating Changes Means Good News for Consumers – July 2017

Here Comes Your Credit! Being approved for a mortgage is a great thing. Preparing your finances to get approved is another. On their end, mortgage lenders need to make sure that every borrower is a good credit risk. This means that the mortgage lender needs to be convinced that the…
March 23, 2017
Doctor Loan

The Doctor Loan: Your Prescription for Home Ownership

Have You Just Graduated from Med School? Paging Shamrock Financial! Needing to borrow money for your education is nothing new, but the amount of money you need to borrow just keeps getting bigger and bigger. And very few groups incur as much debt as medical professionals do. Whether you are…
June 22, 2017
home equity

Accessing Home Equity by Refinancing

Does this scenario seem familiar? Every month, you pay money mostly towards interest, plus some towards the principal, until you have paid off your debt. If this sounds like a mortgage payment to you, then you’d be right. Even though, at the beginning of your mortgage, most of your hard-earned…
June 6, 2017
best mortgage lenders

Shamrock Financial – One of the Best Mortgage Lenders

Choosing One of the Best Mortgage Lenders If you have ever bought a home or are in the process of doing so, you know that you have a lot of boxes to check on your task list. You need to save up for that down payment, find the right real…
May 4, 2017
debt free

Want to Live Debt Free? Consider Refinancing

Debt Free, Schmebt Free? Living debt free is a life-long pursuit for many people. Having no debt frees up cash for other purchases, means paying no more interest, and removes the financial shackles of your creditors. Yet you could have a mortgage, a car loan, and multiple credit card loans…
May 2, 2017

What Your Credit Score Range Says About You

A Primer on Your Credit Score When you apply for a loan – mortgage, car, or credit card – the lender will want to take a peek at your financial information, and that includes your credit score. This magical number indicates the likelihood that you will be able to pay…
November 9, 2016

Are You Working with the Best Mortgage Company?

When someone is looking to buy or sell a home, they may start the transaction on their own, but in most cases, they will contact a real estate agent. A qualified agent will know how to price a home accordingly, find comparable listings, suggest ways to improve the curb appeal…
October 6, 2016

How Much Will I Save By Refinancing?

The Price of Refinancing When you want to take advantage of lower interest rates, change the type of mortgage you have, or access equity on your home, you may ask yourself, “How much will I save by refinancing?“. Refinancing involves getting a new loan, with different terms, to replace your…
October 4, 2016

The Best Ways for Refinancing a Home

Thinking about Refinancing? Whether it is saving money, paying off your mortgage earlier, or accessing equity, there are many reasons why you would want to refinance. Simply, refinancing is obtaining a new mortgage with new terms that will enhance your financial situation. If you understand how refinancing works and what…
September 30, 2016

Great Refinancing News: HARP Extended Until 2017

*Note: The HARP program was recently extended again to go until December 31st, 2018.*   Home ownership is a reality for quite a few Americans, but a dream for many others. To help that dream come true, the Federal Housing Finance Agency (FHFA) has announced that it will extend its…
September 27, 2016

Is Now a Good Time to Refinance?

When interest rates are lowered, when you want to change the type of or the duration of your mortgage, or access equity in your home, you may think about refinancing. Refinancing is the process of having your original mortgage paid off and then replaced with a new one with new,…
September 9, 2016

The Purpose of the Home Appraisal for Refinancing

Refinancing Your Home When interest rates are lower or you want to take advantage of more favorable mortgage terms, it may be time to refinance. But when you refinance, just about everything is dependent on the home appraisal. Why is this? It ensures that the mortgage lender does not lend…
August 18, 2016

How Refinancing Your Home Works

About Refinancing If you find that you are having problems making the payments on your mortgage, due to higher interest rates, the type of mortgage you have, or other personal financial issues, it may be time for you to consider refinancing. In a nutshell, refinancing is the process of getting…
July 20, 2016

Reverse Mortgage Solutions for Seniors

If you are a senior, or know one, who wants or needs to access to funds in retirement, you might think that getting a part-time job is your only option. It isn’t. If you have equity in a property, then consider reverse mortgage solutions to get a cash flow for…
July 14, 2016

Refinancing After Divorce – The Basics

Divorces can be an unfortunate part of life. There are many aspects that need to be addressed at this time and one of those is the division of the marital property. It is common for one of the spouses to want to keep the property, and that would involve a…
July 12, 2016

Answering Should I Refinance My Mortgage?

Should I Refinance My Mortgage? Refinancing your mortgage is the process of paying off your existing mortgage and replacing it with a new one. Home owners refinance their mortgages for a number of reasons. If you have asked yourself, Should I refinance my mortgage?”, you may have come up with…
June 30, 2016

The Importance of a Good Credit Score

What is a Credit Score? Once you start your financial life, one of the things you will get is a credit score. This is a three digit number that is calculated using details of your financial history, employment history, and more. This number is used to help determine your likelihood…
October 19, 2017

Why Sell Your House? Five Compelling Reasons

Why Sell Your House? To sell or not to sell – that is the question. If this thought has been floating around in your mind, what has been stopping you from taking the plunge? Perhaps you are unsure about whether you would make a profit, or when you should put your…
July 6, 2017
how to get a home loan

Getting That Home Loan in Five Easy Steps

How to Get a Home Loan Unless you just won the lottery or inherited money from a long-lost relative, to buy your first home, you will need to get a home loan. Definition: Your mortgage is a loan that a mortgage lender gives to you to buy a home. That…
June 6, 2017
best mortgage lenders

Shamrock Financial – One of the Best Mortgage Lenders

Choosing One of the Best Mortgage Lenders If you have ever bought a home or are in the process of doing so, you know that you have a lot of boxes to check on your task list. You need to save up for that down payment, find the right real…
April 18, 2017

A Complete Guide to Home Inspection

Your Ultimate Guide to Home Inspections When you want to buy a new TV or smartphone, you may look through flyers, research various options, and ask for recommendations to make sure you get the best value for your money. So why wouldn’t you do that with a home? To avoid…
April 5, 2017
home closing

How to Make Sure Your Home Closing Goes as Planned

After weeks of helping your clients search for that property that meets both their budget and their wants, at last you found the one! But that’s just the start of the process. You now need to guide your clients through the home closing process to cap the financial transaction. Your…
March 28, 2017
credit rating

Credit Rating Changes Means Good News for Consumers – July 2017

Here Comes Your Credit! Being approved for a mortgage is a great thing. Preparing your finances to get approved is another. On their end, mortgage lenders need to make sure that every borrower is a good credit risk. This means that the mortgage lender needs to be convinced that the…
March 7, 2017

5 Popular First Home Mortgage Loan Programs

If you are thinking of buying your first home, then you know that there are plenty of decisions to make, and one of those is about your first home mortgage loan program. Which mortgage to get, what terms are best, which mortgage lenders to consider – it can get overwhelming…
March 3, 2017
MA Real Estate Disclosure Form

New MA Real Estate Agency Disclosure Form

Out with the Old, In with the New No one likes a complicated form, and real estate is no exception. Therefore, if you are a real estate agent working in Massachusetts, then you need to be aware of changes that will affect you in this new MA real estate agency…
February 3, 2017

Real Estate Postcards – A Little Can Do a Whole Lot

The location, the prices, the market, the trends. If you have any hope of becoming a rock star real estate agent, you need specific and current knowledge about these topics, and more. But then ask yourself these questions: Do clients know whom you are? Do they know what you have…
December 29, 2016
featured image fha loan limits

Changes to FHA Loan Limits – January 2017

Consider an FHA Mortgage You have decided to buy a home and that’s great! While the decision itself may be exciting, doing all of that required administrative work – locating pay stubs, collecting bank account details, assembling debt details – is not.  Then comes the issue of decision making: What…
December 6, 2016

What’s the Deal with Chattel Property?

The Art of Negotiation In real estate, most everything is negotiable – to an extent. If you have ever bought or sold a home, then you now that sentiment certainly applies to the price of the home. Regardless if you are a buyer or seller, you want to get the…
July 5, 2016

Up, Up, & Away! Using Drones for Real Estate

As the saying goes, a picture is worth a thousand words. When it comes to selling homes, having professional-grade pictures in your listings can be the springboard you need to achieve a sale. But with advances in photography and technology, the standard picture of each room is no longer enough.…
June 30, 2016

The Importance of a Good Credit Score

What is a Credit Score? Once you start your financial life, one of the things you will get is a credit score. This is a three digit number that is calculated using details of your financial history, employment history, and more. This number is used to help determine your likelihood…
March 10, 2016

Tackle Real Estate Marketing and Sales with Our New eBook

Do you know what it takes to become a successful real estate agent?  Do you have the know-how, the experience, and the knowledge that will put you heads above the rest? Do you need real estate marketing ideas? If you feel that you are getting bogged down in details that…
December 10, 2015

Is a Homeowners Association Property Right for You?

Introduction Houses, townhomes, condos – there are many different types of dwellings where you can choose to live. But you cannot choose your neighbors. You could end up with great neighbors, or you could live beside those who make loud noises all night, cannot control their dog, or are oblivious…
July 6, 2017
how to get a home loan

Getting That Home Loan in Five Easy Steps

How to Get a Home Loan Unless you just won the lottery or inherited money from a long-lost relative, to buy your first home, you will need to get a home loan. Definition: Your mortgage is a loan that a mortgage lender gives to you to buy a home. That…
June 15, 2017
mortgage company

Are you working for the Right Mortgage Company?

When you are a loan officer, you want to recommend the best personal and business loans for your clients. Finding the right mortgage lender for your clients is not just about getting the best interest rate. You want to make sure that you work with experienced professionals who want more…
June 6, 2017
best mortgage lenders

Shamrock Financial – One of the Best Mortgage Lenders

Choosing One of the Best Mortgage Lenders If you have ever bought a home or are in the process of doing so, you know that you have a lot of boxes to check on your task list. You need to save up for that down payment, find the right real…
March 30, 2017
social media marketing

Social Media Marketing for Loan Officers: Measuring Effectiveness

The Impact of Social Media When you’re a loan officer, part of your work relies on creating, building, and maintaining relationships with clients and other professionals. And that means getting your message out there for all to read. For an all-encompassing marketing strategy, you probably rely on a variety of…
March 28, 2017
credit rating

Credit Rating Changes Means Good News for Consumers – July 2017

Here Comes Your Credit! Being approved for a mortgage is a great thing. Preparing your finances to get approved is another. On their end, mortgage lenders need to make sure that every borrower is a good credit risk. This means that the mortgage lender needs to be convinced that the…
June 10, 2016

How to Become a Loan Officer

When you need a loan for your home, car, or college tuition, you would talk with a loan officer to determine if you are an acceptable risk. In terms of buying a home, these professionals assist potential buyers in determining the right loan product for each client and inform them…
August 4, 2015

The Fine Print: How to Negotiate Your Loan Officer Employment Contract

After the resumes and the interviews, it finally happens – you get the job offer for a loan officer. You’re excited to sign on the dotted line, but not so fast. You need to take a long hard look at your employment contract. An employment contract defines the obligations of…
June 9, 2015

New Bill Will Affect NMLS License Requirements for Loan Officers

In July of 2008, a federal law, known as the Secure and Fair Enforcement for Mortgage Licensing (SAFE) Act, was passed. The intent of this act was to ensure that state-licensed Mortgage Loan Originators (MLOs) met certain National Mortgage Licensing System (NMLS) requirements. These include: Passing a written test Completing…
April 2, 2015

Get Prepared: New NMLS License Code of Conduct

The Nationwide Mortgage Licensing System (NMLS) is the main governing system surrounding the management of licenses for individual Mortgage Loan Originators (MLO) and mortgage businesses for state and/or territorial agencies in the United States. The primary tasks of MLOs is to advise potential borrowers about the various mortgage loan products…
July 24, 2014

How To Create a Loan Officer Business Plan in 5 Easy Steps

High-producing loan officers don’t get to the top by accident. Successful loan officers have a formula for success which often includes a few simple disciplines repeated daily or DAS. (Daily Action Strategies) In addition, they have a road map they refer to frequently which leads them to the fruition of…
March 13, 2014

Delete The Words Past Client Marketing From Your Vocabulary

There are certain words and phrases in the English language that are not acceptable to use for a variety of reasons. The real estate industry is no exception. The words and phrases you use can have a subtle yet marked effect on your approach to sales. One such phrase is…
November 19, 2013

How to Stand Out and Say Thank You with Corporate Gifts

With the holiday season fast approaching, many businesses start to plan the corporate gifts that they will send to current clients, prospective clients, and suppliers. Not only is it a thoughtful way to thank them for their business, but it is a great marketing strategy to keep your business close…
February 12, 2013

7 Tips for Fixing Your Lousy LinkedIn Profile

The social media landscape is changing (I know, I know..more changes!) and having a presence online isn’t something to put off for a rainy day. Prospects and clients will look to the social networks for guidance on who to work with for their next purchase or refinance.
November 19, 2012

Say Thanks! The Power of 5 Note Cards

January 27, 2017

How Can I Raise My Credit Score? (INFOGRAPHIC)

Because there is no quick way to fix your credit score, rebuilding your credit will take time, patience, and discipline. But it can be done. When you ask yourself, “How can I raise my credit score?, remember these easy tips: Pay all your bills and debts on time. Set up…
November 21, 2016

Thanksgiving Recipes You’ll Love!

Thanksgiving is not only about giving thanks for the blessings you have been given this year, but also about gathering around the table and enjoying a delicious meal with loved ones. Our Shamrock family has a few Thanksgiving recipes that we want to share with you with the hope that…
September 15, 2016

How To Tell If You Have a Good Credit Score

It is a common refrain – if you have a good credit score, the better off you will be financially. It is easy to understand why. Your credit score is used to help determine if you can get a car loan, a mortgage, and in some cases, a job. The…
June 30, 2016

The Importance of a Good Credit Score

What is a Credit Score? Once you start your financial life, one of the things you will get is a credit score. This is a three digit number that is calculated using details of your financial history, employment history, and more. This number is used to help determine your likelihood…
March 23, 2016

Protect My ID: About Identity Theft

What is Identity Theft? We have all heard of the term: identity theft. It is a crime where a person gains key pieces of personal or financial information, such as a driver’s license, credit card number, or Social Security number. The intent is to pretend to be that person to…
February 17, 2016

What is an Appraisal?

What is an Appraisal? An appraisal is the unbiased opinion of a home’s value by a certified professional. Appraisals are most frequently used in the buying, selling,  and refinancing transactions of a property to help determine whether the offer price of a property is on par considering the condition, features,…
October 20, 2015

Happy Homes: Fall Home Maintenance Tasks

But which fall home maintenance tasks should you do? Below is a list of some tasks that you should complete: Test and replace batteries in smoke and carbon monoxide detectors: A simple home maintenance task that is easy to complete: checking that your smoke and carbon monoxide detectors are working…
October 6, 2015

Home Appraisals 101

What is an Appraisal? Whether you are buying a home or selling your existing one, there are a number of questions you need to ask yourself, and one of them is this: is the asking price an accurate one? Simply because you have been pre-approved for a mortgage, or that…
September 15, 2015

The ABCs of Baby Proofing Your Home

When you have a sweet little newborn, you want to do everything to keep them snugly and safe. But don’t wait until they start crawling to baby proof your home. Even before they crawl, they can reach, grasp, and pull themselves up, which can lead to safety issues. Baby proofing…
September 3, 2015

Credit Report Tactics for Resolving a TransUnion Dispute

When applying for a car loan, credit card, or mortgage, lenders all take a good, hard look at many aspects of your financial life, and that includes your credit report. This document contains many personal details, such as your name, date of birth, addresses, places of employment, and your social…
July 21, 2015

The Skinny on the Best Personal Finance and Budget Apps

Introduction Do you buy a coffee every day? What about a muffin to go with it? Go out for lunch a few times a week? Maybe see a movie on the weekend? All of these little purchases – as well as your larger expenses – can quickly take a toll…
July 16, 2015

Top Dollar: Ways to Increase Your Home Value Before Selling

Introduction Once you decide to put your home on the market, you have a number of decisions to make: what items will you include in the sale, how long of a closing would you like, and most importantly, what is your asking price. Before you decide on a price, you…
July 14, 2015

The Worst Advice You Have Ever Heard About Title Insurance

Purchasing a home is an expensive endeavor. In addition to the actual purchase price, you need to save up for the down payment, pay for legal fees, home owner’s insurance, moving expenses, home inspection costs, just to name a few. Another one you may add to your list is title…
June 16, 2015

Clutter Invasion? Simple Steps to Declutter Your Home

The thought of living a simpler life with fewer possessions may sound like a dream. There are also many benefits of owning fewer things: less to organize, less to clean, and in the end, more time to do what you really want to do. However, stuff does not accumulate overnight.…
June 12, 2015

How to Pay for College without a Home Equity Loan

Education may be the key to a secure future for your children, but you need to pay for that future upfront. Using some of your home’s equity to subsidize costs was one common way to help your children with post-secondary education costs, but given the drop in home property values,…
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