Thank you!  This is what we love about our business.  We truly help people, not just sell stuff.

Owing a home is the best investment a family can make for many IMPORTANT reasons than just a financial one!  Your note CLEARLY shows that!

I am sorry you have been given some bad advice and seemed to be going in circles, but your are closer than you think to your GOAL.  Follow the steps we outlined and it will happen.

We are honored to help you get there.

J. Scott Harris

From:
Sent: Friday, January 31, 2014 10:21 AM
Good morning Scott,
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I gotta tell ya, after our telephone conversation yesterday, I couldn’t sleep; but because I felt better 🙂 I can’t express how anxious my husband, my daughter and I are to get out of my in-laws house!

My daughter and I cry sometimes and she says all the time, mommy I want our house; it’s heartbreaking and that’s my drive to do everything that I am advised to do.  I thank you for our conversation yesterday; you’ve already shed some light into our lives.

I informed my husband when he got home from work and his eyes got watery; he said, there’s HOPE! We have been cramped in a small bedroom and tiny closet for a year, and I stay quite organized, especially with all of my credit correspondence and CPA correspondences but we were unable to locate his tax returns last night;

I think we were just exhausted; he’s also had vehicle trouble this week and he commutes from almost HWY 380 (my in-laws house) to Downtown on a daily basis; having said that, I should have those tax returns for you by Tuesday; I say Tuesday, because that’s when I will have access to a scanner (at work)–I’m off on Mondays.

We look forward to working with you and making you our LENDER 🙂 Have a great weekend.

Sincerely,

D&DC

Now that the housing market has stabilized, more and more homeowners are considering moving up to the home they have always dreamed of. Prices are still below those of a few years ago and interest rates are still below 5%.

However, sellers should realize that waiting to make the move while mortgage rates are increasing probably doesn’t make sense. As rates increase, the price of the house you can buy will decrease. Here is a chart detailing this point:
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via Don’t Wait! Move Up to the Home You Always Wanted | Keeping Current Matters.

	Single Family Housing Origination Updates
	From the National Office in Washington DC

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Single Family Housing Guaranteed Loan Program

January 9, 2014

Status Update on Proposed Changes to Eligibility Areas Based on 2010 Census Data

As January 15, 2014 approaches, many are wondering whether Rural Development will be implementing the Future Eligibility maps based on the 2010 Census data.   At present, the eligible areas remain unchanged and we continue in a “holding pattern” until either an appropriations bill or a continuing resolution is passed.  Notification will be sent pertaining to changes to this status.
J. Scott Harris has been one DFW’s top Mortgage Experts for over 20 years. His team of Loan Officers can solve problems and APPROVE loans that other Lenders cannot or will not work hard enough for.
Contact us immediately at 214 435 8825

J. Scott Harris
Vice President – Business Development & Recruiting
NMLS #375517
Gold Financial Services, Inc.

5055 Keller Springs Road, Suite 500
Addison, TX 75001
24/7 Mobile: 214-435-8825
Secure Fax: 866-343-3688
Email Me Now

Gold Financial Services a Division of AMCAP Mortgage, Ltd.  NMLS # 129122

The problem with a tax like this is where to get the money.  No problem.  We’ll just go to Fannie Mae and Freddie Mac.  You know, those two companies that are totally kicking ass right now making more money than any other government agency (thanks to their conservatorship), that a bunch of congress people want to tear down.  Yeah, that company.

How does Fannie Mae and Freddie Mac pay for the Unemployment Extension Tax?

A G-Fee hike of course.  Thank goodness Mr. Mel Watt has a temporary hold on it right now as he wants to evaluate it.  But, rest assured, it’s probably going to happen.  We just find it strange that the place they go to get the tax satisfied is the very place that they feel should be terminated as soon as possible.
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How do you feel about future homeowners paying for the Unemployment Extension Tax?  Let us know down below.

 

READ MORE

via Homeowners to Cover Unemployment Extension | National Real Estate Post.

The switch to self-employment has mortgage implications

Despite excellent credit, it’s still possible to be turned down for a mortgage due to new rules on verifying that borrowers have the ability to pay.

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The KCM Crew gives compelling evidence why putting your house on the market now is a good idea:

The price of any item (including residential real estate) is determined by ‘supply and demand’. If many people are looking to buy an item and the supply of that item is limited, the price of that item increases.

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Buyers in the market during the winter months are truly motivated purchasers. They want to buy now. With limited inventory available in most markets currently, a seller will be in a great position to negotiate.

via The #1 Reason You Should Sell Now | Keeping Current Matters.