Profile

Cover photo
Scott Schang
Works at Broadview Mortgage - Long Beach
Attended Lernt it on the streets
Lives in Southern California
2,325 followers|31,456 views
AboutPostsPhotosYouTubeReviews

Stream

Scott Schang

Shared publicly  - 
 
Save Yourself Time, money and sometimes your dream home could be at risk if one of these mistakes goes out of control. It still surprises me how many homebuyers are convinced to make offers, and go into escrow without addressing these key components of…
1
Add a comment...

Scott Schang

Shared publicly  - 
 
Multiple Factors In any given real estate market, you have many influences that will push and pull the advantage to either the buyer, or the seller in the transaction. In a buyer’s market, there are many more homes for sale than there are buyers in the…
1
Add a comment...

Scott Schang

Shared publicly  - 
 
How Much Counts? Assuming you have good credit and assets to buy a home, the most important factor in qualifying for a home loan is your debt to income ratio. Your debt to income ratio, or DTI, determines how much home you qualify for, and it all hinges…
1
Add a comment...

Scott Schang

Shared publicly  - 
 
Surprising Fee Increases Last week I wrote about proposed changes to Fannie Mae’s Loan Level Price Adjustments (LLPA) that included the elimination of an Adverse Market Delivery fee (AMD). California is a State that has been considered “high risk” by…
1
Add a comment...

Scott Schang

Shared publicly  - 
 
Accessibility Trends Shortly after taking office as the Director of FHFA, Mel Watts put a halt to an attempted increase in loan level price adjustments for Fannie Mae and Freddie Mac loans. The Federal Housing Finance Agency (FHFA) oversees Fannie Mae and…
1
Add a comment...

Scott Schang

Shared publicly  - 
 
3 Year Highs Real Estate activity is measured many different ways.  If you are a buyer, you’re looking for patterns and that are favorable to you. If you are a home seller, these patterns and trends mean something completely different.  What is good for…
1
1
Maggie Etheridge-Ureno's profile photo
Add a comment...
Have him in circles
2,325 people
Top show magazine's profile photo
Personalized Chiropractic's profile photo
Tarun Tandon's profile photo
CLEANING AREA RUGS's profile photo
Eric Hua's profile photo
fayole olivia's profile photo
Ryan Hartman's profile photo
Sobish mahajan's profile photo
Steve Brightwell's profile photo

Scott Schang

Shared publicly  - 
 
VA Home Loan Eligibility Every day should be a day to remember the sacrifices our Veterans have made for this Country. It still surprises me how many Veterans are unaware of the benefits available to them through their VA Guarantee home loan benefit. A…
1
Add a comment...

Scott Schang

Shared publicly  - 
 
California Dreaming Buying a home after a significant financial hardship can seem like a distant dream, but it’s not as distant as you might think. California homeowners experienced many challenging years of economic hardship from 2007 until late 2012.…
1
Add a comment...

Scott Schang

Shared publicly  - 
 
Credit Qualifying Basics You have to be brilliant at the basics, and that’s never more true than when you’re trying to get into a position to credit qualify for a California home loan. When talking about credit qualifying, we will focus first on…
1
Add a comment...

Scott Schang

Shared publicly  - 
 
Biggest Influence Your interest rate will be directly affected by your credit score, and your equity. While there are other factors that can influence your interest rate, including property type (condo), or loan purpose (investment), that can greatly…
1
Add a comment...

Scott Schang

Shared publicly  - 
 
Financial Lockdown Once you’ve received a Pre-Approval from your lender, it is vitally important that Nothing Changes in terms of your income, assets or credit that would cause a change in your approval status. Too many times do I see a homebuyer that…
1
Add a comment...

Scott Schang

Shared publicly  - 
 
Education Expenses Lasting far beyond your actual time in school, student loans can follow you for years.  With recent changes to home loan qualifying guidelines, even deferred payments become a factor. Unless you are lucky enough to land a large signing…
1
Add a comment...
People
Have him in circles
2,325 people
Top show magazine's profile photo
Personalized Chiropractic's profile photo
Tarun Tandon's profile photo
CLEANING AREA RUGS's profile photo
Eric Hua's profile photo
fayole olivia's profile photo
Ryan Hartman's profile photo
Sobish mahajan's profile photo
Steve Brightwell's profile photo
Work
Occupation
Mortgage Banker
Employment
  • Broadview Mortgage - Long Beach
    Branch Manager, 2013 - present
  • Broadview Mortgage Katella Branch
    Branch Manager, 2008 - 2013
  • Homeownership University
    Dean, 2007 - 2012
  • PorchLight Real Estate Services
    President, 2004 - 2008
  • First American Lending Corp.
    Originator/Manager, 1998 - 2004
Places
Map of the places this user has livedMap of the places this user has livedMap of the places this user has lived
Currently
Southern California
Previously
Rose Township, Michigan
Contact Information
Home
Phone
714-336-8286
Email
Address
Southern California
Story
Tagline
Branch Manager at Broadview Mortgage Long Beach , Student, Teacher, Revolutionary, Tinkerer, Entrepreneur, Strategist, Innovator, Visionary. I enjoy sharing what i've learned with like minded people.
Introduction
I am what I am and that's all what I am
Bragging rights
I am comfortable being uncomfortable
Education
  • Lernt it on the streets
    Human communication and behavior
Basic Information
Gender
Male
As a lender specializing in helping homebuyers buy homes, we work with a lot of real estate agents all over the State of California. The Coastal Team consistently stands out as one of the most professional and knowledgable agent teams we've ever worked with. If you're looking to buy or sell in the Long Beach area, you owe it to yourself and your family to sit down and experience The Coastal Team difference.
Public - a year ago
reviewed a year ago
1 review
Map
Map
Map