Mortgage Insights w/Senior VP of Mortgage Banking @ First Horizon, Tony Umholtz

Mortgage Insights w/Senior VP of Mortgage Banking @ First Horizon, Tony Umholtz

Get to know former punter for the New England Patriots and now Senior VP of Mortgage Banking at top-notch First Horizon Bank.  Take a deep dive into the entire mortgage process and all that goes along with it, including . * The role of mortgage professionals * Different types of mortgages * Conventional, FHA/VA, ARMs, USDA, Construction-to-perm vs. End loans, Doctor Loans, and others * The importance of a good credit score * Pre-qualification vs. Pre-approval And SO much more!

Preparing for a Hurricane

Take a deep dive into what you need to do to prepare for the impact of a hurricane and all the effects it can have on your home, your family, pets, and you!  You'll learn the stages of a hurricane as well as the wind speeds of each.  Should you evacuate or stay in your home?  What should you do about food?  What about important documents and photos?  You'll also get an understanding of what to do when you return to your home if you evacuated.

Pre-Qualification / Pre-Approval / Proof of Funds

Take a deep dive into the preapproval and prequalification process and learn what each means.  Understand how one is better than the other and the importance of getting a "proof of funds" from buyers when selling a home.  Discover the pitfalls of not adhering to a strict policy of requiring a proof of funds with every offer.

Stages of Construction

Take a deep dive into information on one of my passions... home building!  Learn the condensed version of all the stages of construction and what to expect during the process.  You can rest assured that the (production) home builders have figured out the process, down to a science.

Staging & Cleaning Your Home

Take a deep dive into why it is important to stage AND clean your home prior to listing it.  See the home through a prospective buyer's eyes as well as through the eyes of the buyer's agent.  Learn about how ignoring maintenance and/or repair items in your home can cost far more than the repairs themselves.