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J. Scott Harris – MortgageXperts.com

Call us 1st to AVOID mortgage problems, Call us 2nd to SOLVE them! We close loans every day that Banks would not, or could not approve. NMLS # 375517 – Mobile 214-435-8825

Home Buyers

Big changes in the mortgage biz – G Fees, Loan Max, Fed Tapering and QM

January 9, 2014 5:07 pm : Home Buyer News, Mortgage News, Real Estate News

Some very important mortgage news has come about since we flipped the calendar to January. Check out the finer points:

fannie-freddieA few weeks ago we heard about changes Fannie Mae and Freddie Mac were making to Loan Level pricing adjustments. Potential home owners without a big down payment  and perfect credit would be paying quite a bit more on conventional loans. It’s now official: Mel Watt, the new FHFA Director,  has now directed the GSEs (Fannie/Freddie) to delay implementation of the G fee and Loan Level Price Adjustments (LLPAs) changes. A review is pending to determine the effect on availability of credit. Without the delay, rates would have gone up 0.5% – 0.75% for most borrowers as a result.

FHA lowered the max loan amounts in some areas, but for those in Dallas, Tarrant, Collin, and Denton Counties, max amounts have gone up! It’s now $287,500,  so you can be looking for homes up to $298,000. Minimum down payments on FHA loans is 3.5% of the sales price and can be gifted from a family member.
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taperTapering has Begun.  Every month, our government has been putting 85 billion dollars  into mortgage backed securities and bonds to artificially keep interest rates low along with the hope of improving the housing market. Now that it’s looking better, the tapering of that amount has started, with the first step being 10 billion less per month, which will gradually go down over time. Soon the artificial influence of keeping interest rates down will, of course, taper. Interest rates will go up as a result.

rulesQM (Qualified Mortgage), QRM (Qualified Residential Mortgage) and ATR (Ability To Repay) goes into effect at midnight on the 10th of January. You can expect an all-new underwriting framework for residential mortgage lending. Investors may end up suddenly adjusting based on these new rules.  How it will turn out is up in the air. Be very aware of possible sudden changes coming VERY SOON!

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Mortgage PreFlight – Your Credit Radar report is a simple way to get started

December 20, 2013 2:52 pm : Home Buyer News

Click Here to Order you 3 Bureau Report
and recommendations to increase your scores!

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Credit is complex.  Your Credit Radar report is a simple way to become informed of the potential obstacles and opportunities that may exist during your mortgage application process.  Below is a sample Credit Radar report (click the image to view full size) and frequently asked questions about Credit Radar.

via PreFlight – Credit Radar FAQs.

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How Your VantageScore Credit Report Is Calculated – Forbes

December 20, 2013 1:54 pm : Home Buyer News, Mortgage News, Real Estate News

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Are Home Sales Beginning to SLOW DOWN?

December 3, 2013 2:33 pm : Home Buyer News

If you read some of the headlines about home sales over the last few weeks, you may believe that sales of houses in the U.S. are beginning to slow dramatically. There have been some that have used the recent Existing Home Sales Reports (EHSR) from the National Association of Realtors’ as proof of this supposition. We should be careful not to put too much credence in these reports of impeding doom.

It is true that the last EHSR revealed that sales were down 3.2% from the previous month. However, there are two crucial points that are not being addressed:

Home Sales are up 6% over the same time last year.
Part of the downturn in recent sales can be traced to the falling inventory of distressed property sales (foreclosures & short sales). Distressed homes accounted for 14% of October sales as compared to 25% in October 2012.
Bottom Line

Sales of non-distressed properties are increasing nicely. However, as the inventory of distressed properties continues to shrink, the number of overall properties sold may diminish over the next few months. This is a sign that we are entering a much healthier housing market.

KCB Blog

 

 

 

 

 

 

 

 

 

 



J. Scott Harris
Gold Financial

Vice President

Business Development & Recruiting
NMLS 375517

5055 Keller Springs Road, Suite 500
Addison, TX 75001

24/7 Mobile: 214-435-8825

Secure Fax: 866-343-3688

Scott@jscottharris.com

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Outstanding Recommendation! *** We LOVE Happy Realtors & Clients *** Great Work Jerry!

November 20, 2013 12:47 pm : Home Buyer News, Real Estate News

Realtors are consistently looking for Lenders who can provide a product/service for their clients that take them to their goal – HOME OWNERSHIP.

Success is the name of the game and I have found GOLD FINANCIAL & JERRY HOLCOMB, to be the “very best!” Jerry was presented with an extremely challenging situation. He, and others within GOLD FINANCIAL, went beyond the norm. My client and his family is very pleased, to say the least. The dream is being realized creating a win/win for ALL.

I have since sent other clients to Jerry Holcomb – AND – have recommended his services to other Realtors.

NOW THAT IS A TRUE TESTAMONIAL, MAKE NO MISTAKE!!

As a Realtor for over 18 years I can confidently recommend Gold Financial Services.

JANET A. RINGER,  ABR, GRI, CNHS

469-688-2952    cell number
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Don’t wait for Spring, now is the time to buy or sell a home.

November 19, 2013 6:16 pm : Home Buyer News, Real Estate News

Many sellers feel that the spring is the best time to place their home on the market as buyer demand increases at that time of year. However, the fall and winter have their own advantages. Here are five reasons to sell now.
 

Only Serious Buyers Are Out

At this time of year, only those purchasers who are serious about buying a home will be in the marketplace. You and your family will not be bothered and inconvenienced by mere ‘lookers’. The lookers are at the mall or online doing their holiday shopping.
 

There Is Far Less Competition

Housing supply always shrinks dramatically at this time of year. The choices for buyers will be limited. Don’t wait until the spring when all the other potential sellers in your market will put their homes up for sale.
 

The Process Will Be Quicker

One of the biggest challenges of the 2013 housing market has been the length of time it takes from contract to closing. Banks have been inundated with both purchase and refinancing loan requests. Both of these will slow in the winter cutting timelines and the frustration these delays cause both buyers and sellers.
 

There Will Never Be a Better Time to Move-Up

If you are moving up to a larger, more expensive home, consider doing it now. Prices are projected to appreciate by over 25% from now to 2018. If you are moving to a higher priced home, it will wind-up costing you more in raw dollars (both in down payment and mortgage payment) if you wait. You can also lock-in your 30 year housing expense with historically low interest rates right now. There is no guarantee rates will remain at these levels in years to come.
 

It’s Time to Move On with Your Life

Look at the reason you decided to sell in the first place and decide whether it is worth waiting. Is money more important than being with family? Is money more important than your health? Is money more important than having the freedom to go on with your life the way you think you should?
 
You already know the answers to the questions we just asked. You have the power to take back control of the situation by pricing your home to guarantee it sells. The time has come for you and your family to move on and start living the life you desire. That is what is truly important.

http://www.keepingcurrentmatters.com/2013/11/19/5-reasons-to-sell-before-spring
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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

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