Tim Stammen
Tim Stammen
Keller Williams
Dayton, OH
Broker/Owner

937-264-4301
Contact Me

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

Tim Stammen
KELLER WILLIAMS
Home Town Realty

9201 N. Dixie Drive 
Dayton, OH 45414 
Office: 937-264-4301
Toll Free: 855-438-3959

* Putting Buyers & Sellers Together * * Over 45 Years!

A Sales Leader -- Top 1%

Testimonials

Tim,
Dusty and I wanted to thank you for all of your help and advice in selling and purchasing homes. It was so comforting to know that we had you looking out for our best interest. I dont think we could have pulled it off without you.

Julie and Dusty Beam
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