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Chris Brown
Works at Certified MortgagePlanners
Attended University of Central Florida
Lives in Orlando, FL
2,661 followers|24,897 views
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Chris Brown

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Traditionally, getting a mortgage requires you to have a level of income appropriate to the size of home that you’re buying. But for a lot of low-income and minority borrowers, a simple measure of one person’s income isn’t an accurate measure of whether or not that person can afford a home.

Now, with the Home Ready mortgage from Fannie Mae, multigenerational and extended households can have easy access to mortgage funds. How does the Home Ready mortgage work? Here’s what you need to know. Continue here: Everything You Need to Know About Fannie Mae’s New Home Ready Mortgage
Traditionally, getting a mortgage requires you to have a level of income appropriate to the size of home that you're buying. But for a lot of low-income and minority borrowers, a simple measure of one person's income isn't an accurate measure of whether or not that person can afford a home.
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Chris Brown

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Last week's scheduled economic news included reports on construction spending and several labor-related reports along with weekly reports on mortgage rates and new jobless claims. The details:
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Chris Brown

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When delving into the world of real estate and investment property, there are many terms that will come up that require further explanation. Whether you’ve never heard the phrase ‘home equity’ before or you have a little familiarity, here are the ins and out of what it means and how this asset can help your financial outlook. Continue here:
Whether you've never heard the phrase 'home equity' before or you have a little familiarity, here are the ins and out of what it means and how this asset can help your financial outlook.
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Chris Brown

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When it comes to diving into home ownership for the first time, it can seem like there are so many things you just don’t know. Whether you’re getting advice from your real estate agent, your friends or your family, there are so many things that seem like common sense that they might be lost in the mix of details. Instead of having to squeeze it out of them, here are three tips that are easily forgotten but still essential. Continue here: First Time Home Buyers: 3 Essential Tips
When it comes to diving into home ownership for the first time, it can seem like there are so many things you just don't know. Whether you're getting advice from your real estate agent, your friends or your family, there are so many things that seem like common sense that they might be lost in the mix of details.
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There can be many downsides to both renting and buying, depending on what side of the coin you are on, but if you’re leaning towards purchasing a home it can have added benefits for your bank account that renting does not. While renting can certainly alleviate many of the costs that go along with property ownership, here’s why purchasing a home can have positive monetary affects in the long run. Continue here: http://www.mortgagechiliblog.com/did-you-know-heres-why-buying-a-new-home-grows-your-wealth-faster-than-renting/
There can be many downsides to both renting and buying, depending on what side of the coin you are on, but if you're leaning towards purchasing a home it can have added benefits for your bank account that renting does not.
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Whether or not you’re new to real estate, there’s little doubt that you’ve heard the term down payment as it relates to purchasing a home. There’s a lot of different information out there in regards to how much this figure should be and it can be hard to determine exactly what the importance of this payment is. If you’re trying to determine the ideal amount to put down, here are some things to consider. Continue here: http://www.mortgagechiliblog.com/5-10-20-percent-or-more-how-to-determine-how-big-of-a-down-payment-you-need/
Whether or not you're new to real estate, there's little doubt that you've heard the term down payment as it relates to purchasing a home. If you're trying to determine the ideal amount to put down, here are some things to consider.
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Feeling Squeezed by Higher Rents? It Might Be Time to Consider Buying Your First Home

With the cost of rent going up across the board and becoming even less affordable in metropolitan centers, it’s never been a better time to seriously consider home ownership. While the price of a home and all the associated costs can certainly seem like a tight squeeze after years of renting, here are some reasons you may want to consider giving up your rental and springing for a home instead.
With the cost of rent going up across the board and becoming even less affordable in metropolitan centers, it's never been a better time to seriously consider home ownership.
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The cooler months of winter might seem like the perfect time to hibernate into the house, but it’s actually a great time to consider ramping up your home for improvements. If you’re thinking of selling come the spring, here’s why winter is the perfect time to get started on home renovations.

Flexible Scheduling And Availability

Many people are not interested in renovating their home during the winter months, so it can actually be an ideal time of year to make plans with a contractor to do some work. Since many renovations that occur on the outside of the home are likely to take place during spring or summer, it can be easier to schedule renovations for your home’s interior when it’s colder. Continue here: Thinking About Selling in the Spring? You Should Be Renovating Now. Here's Why
The cooler months of winter might seem like the perfect time to hibernate into the house, but it's actually a great time to consider ramping up your home for improvements. If you're thinking of selling come the spring, here's why winter is the perfect time to get started on home renovations.
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Last week’s economic events included S&P Case-Shiller’s home price indexes, reports on new and pending home sales and the Fed’s FOMC statement. The details:

Case-Shiller Reports Fast Paced Home Price Growth

According to S&P Case-Shiller Home Price Indexes, U.S. home prices grew at their fastest pace in 16 months in November. Portland, Oregon led the charge with home prices increasing 11.10 percent year-over-year followed by San Francisco, California at 11.0 percent; Denver, Colorado posted a year-over-year gain of 10.90 percent. 14 cities posted home price gains while four cities posted declines in home prices and two cities posted no change on a month-to-month basis. Continue here: Whats Ahead For Mortgage Rates This Week Feburary 1 2016
Last week's economic events included S&P Case-Shiller's home price indexes, reports on new and pending home sales and the Fed's FOMC statement. The details:
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Last week’s scheduled economic news included releases from the National Association of Home Builders, Housing Starts, and Existing Home Sales. Weekly reports on new jobless claims and mortgage rates were also released.

The National Association of Realtors® reported that sales of previously owned homes rose to 5.46 million sales on an annual seasonally adjusted basis in December. This reading surpassed expectations of 5.21 million sales and November’s reading of 4.76 million sales. November’s low reading was in part affected by new mortgage rules, which delayed some closings into December. Economic factors pushing housing markets include low driven by falling fuel costs easing consumers’ budgets could provide confidence to move up to a larger home and for first time buyers to enter the market. Continue here: What’s Ahead For Mortgage Rates This Week – January 25, 2016
Last week's scheduled economic news included releases from the National Association of Home Builders, Housing Starts, and Existing Home Sales. Weekly reports on new jobless claims and mortgage rates were also released.
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What’s Ahead For Mortgage Rates This Week – January 18, 2016 In addition to weekly reports on mortgage rates and new unemployment claims, last week’s economic news included the Fed’s Beige Book report, retail sales and consumer sentiment. January’s Empire State Index showed an unexpected dip and Consumer Sentiment increased for January.
In addition to weekly reports on mortgage rates and new unemployment claims, last week’s economic news included the Fed’s Beige Book report, retail sales and consumer sentiment. January’s Empire State Index showed an unexpected dip and Consumer Sentiment increased for January.
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As you’ll see in this video, unless you have a buyer’s agent remember that the agent works for the seller. Make a point of asking him or her to keep your discussions and information confidential. Listen to your real estate agent’s advice but follow your own reason on deciding a fair price. Calculating your offer should involve several factors: what homes sell for in the area, the home’s condition, how long it’s been on the market, financing terms and the seller’s situation. Continue here: http://www.mortgagechiliblog.com/how-do-i-determine-the-initial-offer/
As you'll see in this video, unless you have a buyer's agent remember that the agent works for the seller. Make a point of asking him or her to keep your discussions and information confidential.
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Story
Tagline
Orlando Home Mortgage Finance Advisor.
Introduction
Chris is a Team Leader at Certified Mortgage Planners. He is also a published mortgage and real estate author, a frequent contributor to the local Fox News affiliate and AM radio stations in Orlando, a fledgling philanthropist, and was recently voted as a Top 40 Mortgage Professional Under 40 by National Mortgage Professional Magazine for the 3rd time.  
 
He is one of less than 25 Certified Mortgage Planning Specialists in the state of Florida, a nationally recognized HARP expert, the NAIFA Technology Chairman and he still makes his living by helping one family at a time finance and refinance real estate. 

Bragging rights
One of only 25 Certified Mortgage Planning Specialists. Frequent Contributor to Fox News in Orlando. Top 40 Under 40 Mortgage Professional Winner, 2012, 2011, 2010
Education
  • University of Central Florida
    Business and Finance, 1993 - 1997
Basic Information
Gender
Male
Other names
Chris Brown Mortgage
Work
Occupation
Florida Harp 2 Refinance and Purchase Lender
Employment
  • Certified MortgagePlanners
    Home Finance Advisor, 2010 - present
  • Trinity Mortgage
    Home Finance Advisor, 2004 - 2010
  • The Money Source
    Home Finance Advisor, 2002 - 2004
  • Page One Executive Mgmt
    Property Mgmt, 2000 - 2002
Places
Map of the places this user has livedMap of the places this user has livedMap of the places this user has lived
Currently
Orlando, FL