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Real Estate Home Mortgages/Jim Root
All Reviews from Users
Column Headings: K = Knowledgeability C = Clarity of Response T = Timeliness P = Politeness
N = Nominated for Expert of the Month
| Date | User | K | C | T | P | N | Comments |
|---|---|---|---|---|---|---|---|
| 2009-11-20 | Jeff | 10 | 10 | 10 | 10 | No | Jim was quick, answered every question fully and is very knowledgeable about this subject. I appreciate his in-depth answers to my questions, his patience and willingness to answer follow-up questions. |
| 2009-11-12 | pat | 10 | 10 | 10 | 10 | No | |
| 2009-10-17 | Zak | 10 | 10 | 10 | 10 | No | |
| 2009-10-17 | Kristopher | 10 | 10 | 10 | 10 | No | Thank you Jim--may be utilizing your number. Kris Klein Developments |
| 2009-10-09 | J. | 10 | 10 | 10 | 10 | Yes | Thank you for your help. The contacts name and number at the end was a nice touch. I'll call him. Thanks |
| 2009-09-09 | Esther | 10 | 10 | 10 | 10 | Yes | Excellent advice! I get so many e-mails that I may have overlooked yours.(which incidentally, happens to be a very important.) Thanks and I hope to hear that you're back from vacation. |
| 2009-08-03 | Krista | 10 | 10 | 10 | 10 | Yes | Thank you so much! VERY helpful! |
| 2009-07-28 | Meggie | 10 | 9 | 10 | 10 | No | |
| 2009-07-27 | matt | 10 | 10 | 10 | 10 | Yes | I really do appreciate the quick response as well the informative and intuitiveness of it, I will do my homework and get back to you as well as let my family know of the new info and see what happens! |
| 2009-07-27 | Garrett | 10 | 10 | 9 | 10 | No | Thanks for your help! I'll look into the loan programs you suggested. |
| 2009-07-16 | Evelyn | 10 | 10 | 10 | 10 | Yes | Jim, Your reply was very helpful. I appreciate your honesty. |
| 2009-07-12 | Randy | 10 | 10 | 10 | 10 | Yes | Thank you Jim. There is no house on the land. Thanks again Jim. Randy |
| 2009-07-09 | Chrystal | 10 | 10 | 10 | 10 | No | |
| 2009-07-08 | Chrystal | 10 | 10 | 10 | 10 | No | |
| 2009-07-02 | Esther | 10 | 10 | 10 | 10 | Yes | Man, that was fast! I had never gotten such a fast response! Anyway, I will heed to your advice. That was what I wanted to do anyway. And your response just made me be more certain of it. Thanks for your great advice and I certainly appreciate your time in giving me knowledge that I was not aware of(what it takes in building a house). You are certainly the best expert! |
| 2009-06-26 | Karl | 10 | 10 | 10 | 10 | Yes | Jim is excellent in responding to all the aspects of my questions, sometime even more than I knew what to ask. He also provided helpful links to various agencies and valuable advices to a novice like me. I am truely grateful for the responses and would be happy to nominate Jim as an examplary volunteer. Thanks again. |
| 2009-06-22 | charlene | 10 | 10 | 10 | 10 | No | |
| 2009-06-20 | Shana | 10 | 10 | 10 | 10 | Yes | Thanks so much, You were very helpful, and propted. I feel a whole lot better knowing this information. |
| 2009-06-18 | Michael | 10 | 10 | 10 | 10 | Yes | Wonderful talking to Jim. I just hope using his knowledge will help me in my situation. Felling good about the info he shared. |
| 2009-06-06 | Brad | 10 | 10 | 10 | 10 | Yes | Quick response and great advice. Jim Gave me great ideas to get me in the right direction. |
| 2009-06-05 | Trevor | 10 | 10 | 10 | 10 | Yes | Mr. Root, Thank you very much for the information and for it being such a hastily reply. Hope you have a wonderful weekend! Thank you, Trevor |
| 2009-06-04 | Jeff | 10 | 10 | 10 | 10 | Yes | Very clear and concise answer to my question. |
| 2009-05-31 | Amy | 8 | 8 | 9 | 9 | No | |
| 2009-05-30 | Joseph | 10 | 10 | 10 | 10 | Yes | Thank you for your quick and exact answer. I also want to thank you for your kindred spirit, being "shocked & surprised--dismayed & disgusted--by the thought of a fingerprint requirement for Borrowers. American citizens should be angery over our constitutional rights being trampled. Being held captive by financial and Political bullies. Thanks again, Joseph |
| 2009-05-14 | Heather | 10 | 10 | 10 | 10 | Yes | Many Many Thanks!!!! |
| 2009-05-13 | Lori | 10 | 10 | 10 | 10 | Yes | Thanks for the fast response. I didn't expect that. |
| 2009-05-13 | Mark | 10 | 10 | 10 | 10 | No | Thank you for taking your time to reply Jim. I appreciate it! I will check out thse new options. Mark |
| 2009-05-05 | amy | 10 | 10 | 10 | 10 | No | thank you |
| 2009-05-04 | dorothy | 10 | 10 | 10 | 10 | No | |
| 2009-04-28 | John | 10 | 10 | 10 | 10 | Yes | Thanks Jim - great response, attitude and people skills! |
This topic answers questions related to purchasing a home, owning a home, home ownership, mortgage education, mortgage applications, and mortgage needs whether buying a first home or refinancing a current loan. Issues related to home ownership, home equity, mortgage education, refinacing options, home improvment finacing, first time home loans, home equity loans, vactation home loans, and mortgages for investment homes are dealt with here also. Though not the primary focus of this topic, Home Equity Lines of Credits (HELOCS), reverse mortgages, and calculating home equity may also be asked. If you do not see your home mortgae, home finacing, or home equity question answered in this area then please ask a question here
Answers by Expert:
Jim Root
Expertise
Real Estate Financing of all types/styles--Government & Quasi-Governmental loan such as FHA & VA; Conventional "Fannie Mae" & "Freddie Mac"-backed Mortgages & all sorts of "Creative Financing" techniques! Credit Underwriting & Property Value & Condition Requirements of standard Home Loan Programs. Purchase Money Mortgages or Refinancing! Gale, shown with me here, has been a licensed Real Estate Agent & Office Administrator & my Research Assistant over the years!
Experience
Over 30 years as a "Real Estate Professional," including Real Estate Marketing & Sales, Mortgage Banking & Residential Appraisal businesses.Past certifications as a Mortgage Co. Manager, Underwriter, Staff Review Appraiser, Compliance Inspector & Loan Officer with a nationally known Mortgage Company. 12 of the 30 plus years of experience was with the Dept. of Housing & Urban Development (HUD) as a Homeownership Program Officer, trained & proficient in all aspects of the Real Estate Sales,Appraisal, Inspection & Financing areas.
Organizations
Former Member of Nat'l Ass'n of Realtors (NAR)& Mortgage Bankers Ass'n of America.(MBAA) Currently with National Ass'n of Review Appraisers & Mortgage Underwriters.(NARA/MU)
Publications
Published in local, regional & national Real Estate industry magazines & newsletter on various Real Estate-related topics.Co-authored numerous Goevernment Manuals, Handbooks & Panphlets on Home Mortgage Programs while with HUD/FHA.
Education/Credentials
Associate Degree with emphasis in Real Estate Studies plus:
Over 20 "Special Courses" relating to Real Estate, including Financing, while in Private Sector & with HUD's FHA Homeownership Division.
Bachelors Degree in Mass Communications &
Masters Degree in Education/Teaching.
Awards and Honors
Professional Designations include: Certified Resiential Originator (CRO) with MBAA,Registered Mortgage Underwriter (RMU)& Certified Review Appraiser(CRA) with NARA/MU. Past awards include Outstanding Performance Awards for 10 of the 12 years with HUD/FHA & numerous
Real Estate Sales,Appraisal Reporting & Mortgage Loan Origination
awards while in "private practice"
Past/Present Clients
Currently Director of a Company that provides Professional Development Seminars & Workshops to Real Estate Agents, Appraisers & Mortgage Lenders & both free(as needed) & fee-paid (sliding scale)consulting & inspection services to the general public.This "Expert" is a "Disinterested Third Party" who will not try to sell you Real Estate, nor Appraise or Inspect your Home, nor attempt to put you into a Mortgage Loan--all questions will be answered with your best interests in mind!
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