Blog: Mortgage Information

Land Contract

An alternative to a non-conforming loan is the use of a land contract, which is allowed in some states. A land contract is an agreement between a buyer and a seller, where the buyer agrees to make periodic payments to the seller. The title to the property... Read more

WHAT’S A FICO®?

What is a FICO® Score? FICO® stands for Fair Isaac & Company and is the name for the most well known credit scoring system, used by Experian. The credit bureau’s computer evaluates a complete credit profile and assigns a score, which is... Read more

Types of Mortgage Lenders

Mortgage Bankers Mortgage Bankers are lenders that are large enough to originate loans and create pools of loans, which are then sold directly to Fannie Mae, Freddie Mac, Ginnie Mae, jumbo loan investors, and others. Any company that does this is conside... Read more

Your Savings and Down Payment

Your First Step Toward Buying a Home When preparing to buy a home, the first thing many homebuyers do is look at the real estate ads in newspapers, magazines and listings on the Internet. Some potential buyers read how-to articles like this one. The next... Read more

FICO® Scores and Your Mortgage

Years ago, credit scoring had little to do with mortgage lending. When reviewing the credit worthiness of a borrower, an underwriter would make a subjective decision based on past payment history. Then things changed. Lenders studied the relationship be... Read more
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Rob Kearney
Kearney Real Estate Services
10033 Sawgrass Dr. W,  Ste 210 
Ponte Vedra Beach, FL 32082
Office: 904-280-9048
Fax: 904-285-0957
Contact Us

Testimonials

Rob, the fact that we are buying our second home from you, (with a 15 year span & numerous relocations across the country within that time), is a tribute not only to your professionalism, but also to your ability to become dear friends with your customers! That is true personal service! We love being back in Ponte Vedra and look forward to enjoying our new home & neighbors! Thanks for everything-Doug Doug, Vicki, Ryan and Tyler, Ponte Vedra Beach, Florida
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904-280-9048 | Contact Us
10033 Sawgrass Dr. W, Ste 210 - Ponte Vedra Beach, FL 32082
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