Headshot for Associate Hardeep Kumar
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Opinion

January 10, 2011
The 71-year-old retired insurance saleswoman has been living in her house, a two-story on a half-acre in a tidy middle-class neighborhood here in central Florida, since 1978. The last time she made a mortgage payment was October 1985. The story of how Campbell has managed to avoid both paying her m [Read More]
January 10, 2011
Take your pick; it’s a buyer’s market, period! That is to say if you can qualify for a loan now is the time to buy a house and, likewise, if you can’t qualify yet—then you should take advantage of the fact that many sellers are getting frustrated trying to sell their homes, [Read More]
January 6, 2011
Any piece of debt, anywhere in the world, can be insured with a credit default swap. The contracts are originated and traded by houses like Goldman, insurance companies like AIG and hedge funds like J.P. Morgan. CDSs are used to hedge debt, while capitalizing on the volatility of the market-place a [Read More]
December 4, 2010
Sadlly this happened to me and my client. We submited a very good offer and i called everyweek with hopes that the day was getting closer. But it didnt, time passed we went from summer to fall and the bank still had no answer. My buyer a very patient, professional and determined woman never once lo [Read More]
November 17, 2010
I was watching a show on the reasons people are walking away from there homes....It was explained that if you invested in a home with a substantial down payment and you are now underwater....being unable to recoup your investment ....if you stop paying your mortage for the time it takes for a forec [Read More]
November 1, 2010
Capitalism is in a crisis—but—I see a light at the end of this journey. Believe it or not, a similar occurrence happened in the banking industry and not during the depression but in the late 1960’s when the stock market hit such a bull market that brokerages could not keep up and, [Read More]
October 26, 2010
As real estate agents we are not obligated to be polite and respectful only to our customers but also to our fellow agents. If a customer comes in the office looking for a particular agent or calls with the name of that agent we must direct them to the right person we do not want to be dishonest to [Read More]
October 25, 2010
There is a problem, a big problem, as we all know, in the housing industry today. The problem, however, isn’t just about housing but about Capitalism, or more succinctly, the American brand of Capitalism. We know by now that a great deal of the housing crisis was caused by greed; greed on the [Read More]
September 20, 2010
What if you have a buyer who is anxious to purchase a home....BUT refuses to get a loan approval until they find a home they like...How many times can you insist they take care of that first and foremost!! Do you....Would you...show them properties, Not knowing if they can get a loan.....Even thoug [Read More]
September 20, 2010
If buyers are looking for first time home buyers program Suntrust is good place to check. One of their loans is offered to buyers with low credit scores, yes lower than 620. The borrower will have to go thru manual underwritting as the bank has to make sure everything is correct and the borrower ca [Read More]