Jim Boyle

Jim Boyle, Senior Loan Counselor, has been with Justine Petersen since its inception in 1997 and has prior housing counseling experience at St. Louis Reinvestment Corporation.
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Jim enjoys traveling, sports, music, and movies.

Fredrica "Cookie" Graham , Administrative Assistant, joined JP staff in April, 1999.She writes, "When I first started working at Justine Petersen, I set goals for myself being a single mother of three children and one of my major goals was to become a homeowner myself.

Jim Boyle, Senior Loan Counselor, has been with JPHRC since its inception in 1997 and has prior housing counseling experience at St. Louis Reinvestment Corporation.Jim and his wife, Mary, have a 13 year old son, Jack.Jim enjoys traveling, sports, music, and movies.

Watch out for so-called junk fees , says Jim Boyle , senior loan counselor at the Justine Petersen Housing and Redevelopment Corp.

These are loan-processing , document-preparation , broker fees and underwriting fees.They buy you nearly nothing.

Most lenders add small junk fees , but some lenders really lard them on.Right now , I'm looking at a closing statement padded with $ 615 in junk.

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It's a buyer-beware business , says Boyle.You can bargain with the loan officer on the origination or the processing fee - if you're a buyer in the driver's seat with A1 credit..

Other fees you won't escape.They cover an appraisal ( about $ 255 to $ 300 ) , title insurance ( about $ 600 on a $ 100 , 000 house ) , flood letters ( $ 20 ) , title company services and notary fees ( about $ 100 to $ 150 ) , a tax service fee if you're escrowing taxes and insurance ( $ 80 ) , recording fees ( about $ 75 to $ 130 ) and a survey ( about $ 130 for the quick-and-dirty version ).

You'll also have to buy fire insurance , and you may pay some interest in advance.

Watch out for so-called junk fees , says Jim Boyle , senior loan counselor at the Justine Petersen Housing and Redevelopment Corp.

These are loan-processing , document-preparation , broker fees and underwriting fees.They buy you nearly nothing.

Most lenders add small junk fees , but some lenders really lard them on.Right now , I'm looking at a closing statement padded with $ 615 in junk.

...
It's a buyer-beware business , says Boyle.You can bargain with the loan officer on the origination or the processing fee -- if you're a buyer in the driver's seat with A1 credit..

Other fees you won't escape.They cover an appraisal ( about $ 255 to $ 300 ) , title insurance ( about $ 600 on a $ 100 , 000 house ) , flood letters ( $ 20 ) , title company services and notary fees ( about $ 100 to $ 150 ) , a tax service fee if you're escrowing taxes and insurance ( $ 80 ) , recording fees ( about $ 75 to $ 130 ) and a survey ( about $ 130 for the quick-and-dirty version ) .

You'll also have to buy fire insurance , and you may pay some interest in advance.