Andy Cardina

Cybersecurity is critical, in your personal and professional life, and passwords are the first line of defense against imposters gaining access to your accounts. Follow these tips to make sure that you are setting strong passwords to protect your accounts and information online. https://rmsmortgage.com//best-practices-for-strong-passwor... #WeWillGuideYouHome #ResidentialMortgageServices #KnowledgeCenter

Your mortgage term this week: Lender-Paid Mortgage Insurance (LPMI) Instead of choosing to pay a fee up front, a borrower can choose a Lender-paid Mortgage Insurance and pay a higher interest rate to have the lender pay the mortgage insurance. #WeWillGuideYouHome #ResidentialMortgageServices #mortgage #terminology

There's annual percentage rate and interest rate. While there are undoubtedly similarities to both terms, it's important to understand how they compare and contrast. https://rmsmortgage.com//whats-the-difference-between-inte #WeWillGuideYouHome #ResidentialMortgageServices #KnowledgeCenter

RMS has been working harder than ever and it’s working! Because of our excellent teamwork, we have reached a new company record of $6 billion funded year to d...ate. It has been our pleasure to help over 22,000 homeowners with their financing needs so far this year. #ResidentialMortgageServices #WeWillGuideYouHome

Your mortgage term this week: Interest Only Loan (IO) An Interest Only Loan allows the borrower to pay only interest for part of the term. During the interest-only period, the borrower does not make payments toward their loan balance. Once the interest-only period concludes, full mortgage payments will begin. #WeWillGuideYouHome #ResidentialMortgageServices #mortgage #terminology

Few events have impacted virtually every facet of our daily lives as has the coronavirus crisis. Here are a few things to keep in mind as you go about the homebuying process in a constantly evolving environment amid the Covid-19 world. https://rmsmortgage.com//touring-homes-smartly-in-a-covid-... #WeWillGuideYouHome #ResidentialMortgageServices #KnowledgeCenter

Your mortgage term this week: Verification of Employment (VOE) A Verification of Employment reviews a borrower’s employment history to verify job stability and income history. Your lender will contact current and past employers to verify the employment history listed on your loan application. #WeWillGuideYouHome #ResidentialMortgageServices #mortgage #terminology

Happy Birthday to our U.S. Navy! #happybirthday #usnavy

If first-time homebuyers had to do it over again, or were given the opportunity to do so, what would they change? Here are some of the most common mistakes first-time homebuyers make. https://rmsmortgage.com//what-home-buyers-would-have-done-... #WeWillGuideYouHome #ResidentialMortgageServices #KnowledgeCenter

Your mortgage term this week: Conventional Loan A conventional loan is the most popular financing program as it offers the most variety of options, allowing borrowers to choose the term length of the loan, the down payment size, and whether the loan will have a fixed or adjustable interest rate. #WeWillGuideYouHome #ResidentialMortgageServices #mortgage #terminology

RMS is very proud to receive the Home Possible RISE Award for greatest volume! #WeWillGuideYouHome #ResidentialMortgageServices

Since mortgage providers aim to simplify the mortgage application process, supplying the required documentation via email would seem to make sense. While convenient, delivering the necessary materials for a home loan electronically may be inadvisable. https://rmsmortgage.com//why-email-is-not-considered-a-sec #WeWillGuideYouHome #ResidentialMortgageServices #KnowledgeCenter

What does it take to help almost 24,000 homeowners with their financing needs in the midst of a Pandemic? RMS team workthat’s what! We’ve mastered working fro...m home, social distancing and all of the challenges associated with COVID -19. Our customer satisfaction scores have never been higher and we are proud to have funded nearly $6 Billion in new loans so far this year. In appreciation of our outstanding operations teams, 175 loan officers joined RMS Executives in purchasing 550 new iPads, along with $100 Amex gift cards, as a way to celebrate our record accomplishments. Operations team members received their new iPads at home so they could shop and play (in their free time of course!) #teamwork #RMStogether #rmsmortgage