Loans By Kathy

Happy 4th !!!


This weekend I believe we should take a minute to remember all those that paid the ultimate price for our freedom.  I am grateful to be an American.  God Bless the USA!



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Kathy Sheehan Senior Loan Officer






Bay Equity LLC

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11475 Great Oaks Way, Suite 350, Alpharetta, GA 30002

800.BAY.3703 Bay Equity LLC NMLS ID#76988



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The opinions and general information in this blog are soley those of Kathy Sheehan.  Specifics regarding an individual case should be discussed in detail with a loan professional.  For a confidential consultation, please feel free to contact me via phone or email.  All terms and conditions are subject to change.


Comment balloon 3 commentsKathy Sheehan • July 02 2011 09:39PM
Happy 4th!!
This weekend I believe we should take a minute to remember all those that paid the ultimate price for our freedom. I am grateful to be an American. God Bless the USA! http://www. youtube. com/watch? v=Q65KZIqay4E&feature… more
USDA 100% Financing
The USDA Home loan program allows for 100% financing of the appraised value. No, that isn't a typo. The buyer can borrow up to 100% of the appraised value. So, if the home purchase price is $100, 000 and the appraised value is $105, 000, the buyer… more
Closing vs. Funding
Closing vs. funding almost sounds like a boxing match, and lately, it seems to be. It is important for buyers to understand the two definitions and what that means to them when buying a home. These terms will apply to FHA, VA, USDA and Conventional… more
Credit and buying a home
A credit report used when buying a home is probably one of the most frustrating pieces of information a home buyer has to deal with during the initial stage of the process. Without a doubt, credit is one key component of the mortgage process. As a… more
High Cost Loans
Today, I had three inquiries regarding mortgages for very small amounts from prospective buyers. At the beginning of the conversation I realized hat these would be "high cost loans. " The definition of a high cost loan applies to FHA, VA,… more
Does Your Phone Battery Let You Down at the Wrong Moment? Tips on…
This is great information to share. It seems the more options our phones have the faster the battery dies. I appreciate the suggestions made here. We're pretty sure every single one of us have had our phone battery die at a very crucial… more
My Back to Basics Approach for Blogging on ActiveRain
I liked the suggestions that were made in this post It was simple, concise and easy to implement. As a fairly new member of ActiveRain, I think it will make a difference in my blogging. My Back to Basics Approach for Blogging on ActiveRain … more
How much money do I need to buy a home?
How much money do I need to buy a home? Well, the simple answer is it will depend. The first question that needs to be answered is which financing program you are applying for. Each program has their own minimum down payment requirements. … more
GA Increased Home Owner's Insurance premiums
Georgia has experienced an increase in home owner's insurance premiums as of June 1, 2011. Yes, this spring we (GA residents) have experienced an unusually high number of severe storms and tornados. Due to all of the damage caused by these storms… more
Mortgage Disclosure Forms changing AGAIN? Have you voted?
This was a blog I posted earlier and thought since the deadline is approaching, I would remind everyone that it is important to our industry to express our opinions. The Consumer Finance Protection Bureau wants to change the… more