Joe Spake, Broker
InCity Realty
2298 Young Ave.
Memphis, TN 38104
Office: 901-214-5838
901-870-3440
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Blog: Mortgage Information

WHAT’S A FICO®?

What is a FICO® Score? FICO® stands for Fair Isaac & Company and is the name for the most well known credit scoring system, used by Experian. The credit bureau’s computer evaluates a complete credit profile and assigns a score, which is... Read more

Types of Mortgage Lenders

Mortgage Bankers Mortgage Bankers are lenders that are large enough to originate loans and create pools of loans, which are then sold directly to Fannie Mae, Freddie Mac, Ginnie Mae, jumbo loan investors, and others. Any company that does this is conside... Read more

Your Savings and Down Payment

Your First Step Toward Buying a Home When preparing to buy a home, the first thing many homebuyers do is look at the real estate ads in newspapers, magazines and listings on the Internet. Some potential buyers read how-to articles like this one. The next... Read more

FICO® Scores and Your Mortgage

Years ago, credit scoring had little to do with mortgage lending. When reviewing the credit worthiness of a borrower, an underwriter would make a subjective decision based on past payment history. Then things changed. Lenders studied the relationship be... Read more

Joe Spake, Broker
InCity Realty
TN Lic. #259388

Memphis, TN 38104
Joe@Spake.com
901-870-3440

Testimonials

Thanks, Joe for being such a great help in buying our condo! If you are considering buying or selling in Memphis, give Joe Spake a try. He knows what he is doing, knows all the people, knows all the tricks, and is very honest with you. Sometimes telling you things you may not want to hear. Joe  makes the buying process easy, explains every detail along the way, so you know exactly where you are in the process. Thanks again, Joe! dwaynebutcher
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