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

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

We saved a client $1400/mo. with a CASH-OUT REFI. You can be next!

I helped a client buy their 1st home in 2010.  Since then, we have helped 2 other family members from their referrals.

Now that property values have improved, we are able to help them use their home equity and pay off ALL their high interest rate consumer debts.

 

Even though the client has a sub 640 credit score, we are able to do a cash-out refinance and give them over $50,000 to eliminate $2000 per month of debt payments..

The mortgage P&I payment is increasing almost $700 so they have a NET IMPROVEMENT of over $1400 per month!

Call me to discuss your situation!

The KEYS to your new home are within reach!
Call us 1st to AVOID mortgage problems,
Call us 2nd to SOLVE them!

Click Here to start your quick Free Credit Analysis & Pre-Qualify Now!

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J. SCOTT HARRIS | BRANCH MANAGER
NMLS ID# 375517 (www.nmlsconsumeraccess.org)
(M) 214.435.8825 | (F) 866.343.3688
jharris@goldfinancial.com  www.goldfinancial.com  | Pre-Qualify Now

LinkedIn  |  Facebook  |  Twitter  |  JSH BLOG – News & Articles www.MortgageXperts.com

GoldEmailLOGO

885 E Collins Blvd Ste 110
Richardson, TX 75081

My Branch Closes FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

Gold Financial Services is a Division of Amcap Mortgage, Ltd. NMLS #129122. Equal Housing Lender

J. Scott Harris is a Nationally Recognized Mortgage & Social Media Author

If you are employed by a government or not-for-profit organization, you may be able to receive loan forgiveness under the Public Service Loan Forgiveness Program .

Learn more to see whether you might qualify.

The Public Service Loan Forgiveness (PSLF) Program forgives the remaining balance on your Direct Loans after you have made 120 qualifying monthly payments under a qualifying repayment plan while working full-time for a qualifying employer.

If you want to qualify for Public Service Loan Forgiveness now or in the future, complete and submit the Employment Certification form as soon as possible. Too many borrowers wait to submit this important form until they have been in repayment for several years, at which point they learn that they have not been making qualifying payments. In order to ensure you’re on track to receive forgiveness, you should continue to submit this form both annually and every time you switch employers.

What is qualifying employment?
What is considered full-time employment?
Which types of federal student loans qualify for PSLF?
What is a qualifying monthly payment?
What is a qualifying repayment plan?
How do I apply for PSLF?
Where do I send my Employment Certification form?
Where can I see how many qualifying payments I’ve made?
Who at my employer can certify my employment?
Will I automatically receive PSLF after I’ve made 120 qualifying monthly payments?

 

Student Debt load is becoming a HUGE impediment to new home ownership.

The Federal Student Aid website is the best place to learn about ways to consolidate or resolve your student loans.

https://studentaid.ed.gov/sa/

 

YOU CAN BUY A HOME, CALL US AND TAKE THE RIGHT STEPS.


Call us 1st to AVOID mortgage problems,
Call us 2nd to SOLVE them!

Click Here to start your quick Free Credit Analysis & Pre-Qualify Now!

scott-circle
J. SCOTT HARRIS | BRANCH MANAGER
NMLS ID# 375517 (www.nmlsconsumeraccess.org)
(M) 214.435.8825 | (F) 866.343.3688
jharris@goldfinancial.com  www.goldfinancial.com  | Pre-Qualify Now

LinkedIn  |  Facebook  |  Twitter  |  JSH BLOG – News & Articles www.MortgageXperts.com

GoldEmailLOGO

885 E Collins Blvd Ste 110
Richardson, TX 75081

My Branch Closes FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

Gold Financial Services is a Division of Amcap Mortgage, Ltd. NMLS #129122. Equal Housing Lender

J. Scott Harris is a Nationally Recognized Mortgage & Social Media Authority.

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New Cash-Out Refinance Loan for 580+ Credit Scores – Has the Bank Declined Your Equity Refi?

Rising Property Values are helping most everyone.

But, some homeowners have been caught in a Catch-22.  Low Credit Scores can be caused by having a lot of maxed out high interest rate revolving credit card accounts.

Most lenders require 680+ Credit Scores to Approve Cash-Out/Home Equity Loans.   But, Our Portfolio Cash-Out will allow for 580+ Credit Scores.

Here is a real life example:

Our client has almost $40,000 in revolving and installment debt that is depressing their credit score.  The combined monthly payment for all these accounts is over $1650 per month.

We can Approve their 80% LTV Cash Out loan and give them $50,000 to pay off all this debt as have some money in savings for emergencies.

Their mortgage payment only increases around $350 per month.

That is an immediate saving of $1,300 per month and will make a tremendous difference for their family.

If you are in a similar situation, or know someone who is, Please contact us for some debt relief!

 

 

Even if another Bank or Lender has said “NO,”
We will work with you until we can say “YES.”


Call us 1st to AVOID mortgage problems,
Call us 2nd to SOLVE them!

Click Here to start your quick Free Credit Analysis & Pre-Qualify Now!

scott-circle
J. SCOTT HARRIS | BRANCH MANAGER
NMLS ID# 375517 (www.nmlsconsumeraccess.org)
(M) 214.435.8825 | (F) 866.343.3688
jharris@goldfinancial.com  www.goldfinancial.com  | Pre-Qualify Now

LinkedIn  |  Facebook  |  Twitter  |  JSH BLOG – News & Articles www.MortgageXperts.com

GoldEmailLOGO

885 E Collins Blvd Ste 110
Richardson, TX 75081

My Branch Closes FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

Gold Financial Services is a Division of Amcap Mortgage, Ltd. NMLS #129122. Equal Housing Lender

J. Scott Harris is a Nationally Recognized Mortgage & Social Media Authority.

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FHA condo rules will help millennials in housing market, Carson says

Relaxing FHA Condo rules & expanding FNMA Debt Ratios are 2 new enhancements to help 1st time buyers

 

SUGGESTED REMARKS FOR DR. BEN CARSON
SECRETARY OF HOUSING AND URBAN DEVELOPMENT
AT THE NATIONAL HOUSING SYMPOSIUM
WASHINGTON, D.C.
JUNE 9, 2017

As prepared for delivery. The speaker may add or subtract comments during his presentation.  (Original Article)

Thank you.  Last week, HUD hosted a housing policy forum where I spoke about the state of the housing market.  It is stable, secure, and sound.  The market is safe.  I want to emphasize that … we have a housing market that is in good shape.  Much of the credit goes to people in this room.

But, after the turbulence of 2008, we must remain vigilant and watchful –  and anticipate more than react.  We must be prudent and practical.  We must continue to maintain responsible lending practices.  Wishful thinking must not be our sole criterion for credit worthiness.   And as the economy improves, we must never ignore the central role of housing in the recovery from the 2008 recession.

Nationally, we must continue to smooth out the cycles that lead to burst bubbles and foreseeable foreclosures.  We want to avoid anyone going underwater on their mortgage or losing their home.

There is always room for improvement, more stability, more growth. We still see small fluctuations in the market, but the dramatic highs and lows of the past have evened out to become steady, almost predictable. The data now shows a reasonably straight and rising line forward and upward on the charts.  The cycles have become less dramatic.  And, we are seeing good news in startups and inventory, among the many sides of homeownership.

The homeownership rate today is at 63.6 percent.  In some states, homeownership is over 70 percent.  And first-time home buyers make up 35 percent of all homebuyers in the last twelve months.  This good news will continue.  The Harvard Joint Center for Housing Studies projects that the United States will add 13.6 million households over the next eight years and 11.5 million more between 2025 and 2035.

The Federal Housing Administration has a strong role to play.  FHA has already helped more than 46 million Americans purchase or refinance their homes.  An estimated 40 percent of all first-time homebuyers use FHA.  In fact, during our time here together … today … FHA will help another 4,000 homebuyers close on their homes.

However, this good news hides one story … the housing market is becoming a lost dream for some Millennials.    We must create a viable entryway for more credit-worthy Millennials.    Millennials who are first-time homebuyers feel frozen out.  There is some new data from Ellie Mae, showing in January that 35 percent of all FHA loans were closed by Millennials.  That is FHA.

But, I worry because there are reports from California, from the state legislature, that only about 13 percent of Millennials buy a home.  Thirteen percent!

Most agree it is low.  Historically low!

Why?  Well, the high prices of homes escalate out of reach, for some.  This is especially true in places with a high cost of living:  New York City, Los Angeles, and Washington, D.C.  Some of them confront stark choices.  Some see wages absorb 40, 50, 60 percent of housing costs.  The potential becomes a Catch-22.  You either become house poor through a potential mortgage, if you can get one, and sacrifice other aspects of life, or you forego a home to have the other necessities of life.  Even if you are credit-worthy, these are tough choices that effect future wealth creation through equity, future financial stability, and quality of life.

All of us have heard the stories about Millennials living at home, renting, or sharing rooms.  And many of these people are credit-worthy, but feel excluded from the possibility of homeownership.  You can understand the frustration. It cuts across an entire age group.

In the 1920s, Hemingway’s contemporaries were famously called “the lost generation.”  I worry that Millennials may become a lost generation for homeownership, excluded from the American Dream, punished as an unintended bi-product of the financial crisis of 2008.

We must be mindful of this situation.  We don’t want to exclude a generation of buyers, or even generations to come.  We must do more … work for more.  We must find a reasonable, prudent path to link Millennials with investors and lenders – and the housing market itself.

We know that a first step toward homeownership is often the purchase of a condominium.  The condo is often a step onto the homeownership ladder.  And a way of moving up that ladder.  And we know that FHA has a central role to play.  It is the lender of choice for many first-time home-buyers.  For many, FHA is the entryway to the housing market.

So, today, let’s find the ways and means for credit-worthy first-time home-buyers to enter the market.  Here is one way.  I want to direct your attention to “The Housing Opportunity through Modernization Act of 2016.”  That act allowed FHA, under certain circumstances to lower its required owner-occupancy standard for approved condominium developments. The owner-occupancy minimum has been reduced from 50 percent to 35 percent.   Ultimately, this action will allow for more people, including Millenials, to use FHA to buy a condo.

On Wednesday, Fannie Mae announced it would reduce its debt to income ratio to attract more Millennial homeownership.  Such an action would help some Millennials, although FHA loans would remain an attractive, powerful option.

I welcome this action which will happen next month.

In concert with our efforts, Millennials will now have game-changing circumstances that should encourage homeownership.

However, the Federal government cannot be the only solution.  We don’t want to turn back time.  Remember when, in response to the troubles of 2008, the Federal government was virtually the only lender for homeownership?  That was not a good role for FHA or Fannie Mae or Freddie Mac.  Lenders, bankers, and mortgage-providers need to do everything possible to help credit-worthy Millennials buy their first home.  The taxpayer cannot be the sole solution. This is a time for aggressive responses in cities and communities that open opportunities.

We need to do more.  We need to stop punishing an entire generation for the subprime crisis.  As we recover from that time, we must not overlook those trying to enter the market.  One publication argues that Millennials could become a “powerhouse” base of homeowners.  That could be true, if we set in place the right conditions, the correct responses.  In my view, we can shape the future prosperity of this country by retrieving a lost generation, and placing it on a firm foundation to wealth creation and future financial prosperity.

Thank you.

 

 

 

YOU CAN BUY A HOME, CALL US AND TAKE THE RIGHT STEPS.

Even if another Bank or Lender has said “NO,” we will work with you until we can say “YES.” If you have already started in our Qualification Coaching Program, call us, so we can check your progress!

The KEYS to your new home are within reach!
Call us 1st to AVOID mortgage problems,
Call us 2nd to SOLVE them!

Click Here to start your quick Free Credit Analysis & Pre-Qualify Now!

scott-circle
J. SCOTT HARRIS | BRANCH MANAGER
NMLS ID# 375517 (www.nmlsconsumeraccess.org)
(M) 214.435.8825 | (F) 866.343.3688
jharris@goldfinancial.com  www.goldfinancial.com  | Pre-Qualify Now

LinkedIn  |  Facebook  |  Twitter  |  JSH BLOG – News & Articles www.MortgageXperts.com

GoldEmailLOGO

885 E Collins Blvd Ste 110
Richardson, TX 75081

My Branch Closes FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

Gold Financial Services is a Division of Amcap Mortgage, Ltd. NMLS #129122. Equal Housing Lender

J. Scott Harris is a Nationally Recognized Mortgage & Social Media Authority.

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ARE YOU READY TO STOP RENTING? I CAN DELIVER THE KEYS TO YOUR NEW HOME.


I work with a select group of determined home buyers.  Most have been declined or ignored by other Banks or Loan Officers because of credit or other complications.  

Each month, many accomplish their dream and we FUND their loan. Everyone else has taken one step closer to that goal.

I will give you a step by step plan to improve your income qualification and credit scores to at least 580 by the time your lease ends.

For over 20 years, I have FUNDED loans other Lenders could not, or would not take the time to work with.  YOU CAN BE THE NEXT.

Complete this registration to get on a path to mortgage and credit APPROVAL.

 

Every Realtor has a client that couldn’t get approved due to tight underwriting standards.

We have the BEST “Outside the Box” Non-Agency Loans available.

Self Employed with tax return income that is too low?  We have 12 month bank statement loans.

Jumbo buyer with less than a 700 credit score?  We can close that loan.

Young buyer with lack of credit history or too many student loans?

A buyer with a RECENT Foreclosure or Bankruptcy that won’t be eligible for a regular loan for 5 to 7 years?

A buyer with a large amount to put down but a credit score down to 500.

Investor with too many financed properties?  We allow unlimited properties.

Real Estate Investor wanting to buy multiple properties.  We require less down so they can buy 2 properties with the same down payment.

Foreign National buyer with no US Credit, SSN or ITIN?  We can do it.

YOU CAN BUY A HOME, CALL US AND TAKE THE RIGHT STEPS.

Even if another Bank or Lender has said “NO,” we will work with you until we can say “YES.” If you have already started in our Qualification Coaching Program, call us, so we can check your progress!

The KEYS to your new home are within reach!
Call us 1st to AVOID mortgage problems,
Call us 2nd to SOLVE them!

Click Here to start your quick Free Credit Analysis & Pre-Qualify Now!

scott-circle
J. SCOTT HARRIS | DIVISION VICE PRESIDENT & BRANCH MANAGER
NMLS ID# 375517 (www.nmlsconsumeraccess.org)
(M) 214.435.8825 | (F) 866.343.3688
jharris@goldfinancial.com  www.goldfinancial.com  | Pre-Qualify Now

LinkedIn  |  Facebook  |  Twitter  |  JSH BLOG – News & Articles www.MortgageXperts.com

GoldEmailLOGO

885 E Collins Blvd Ste 110
Richardson, TX 75081

My Branch Closes FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

Gold Financial Services is a Division of Amcap Mortgage, Ltd. NMLS #129122. Equal Housing Lender

J. Scott Harris is a Nationally Recognized Mortgage & Social Media Authority.

nmp-top-50-logo

4 Great Reasons to Buy This Spring!

Here are four great reasons to consider buying a home today instead of waiting.

1. Prices Will Continue to Rise

CoreLogic’s latest Home Price Index reports that home prices have appreciated by 6.9% over the last 12 months. The same report predicts that prices will continue to increase at a rate of 4.8% over the next year. The bottom in home prices has come and gone. Home values will continue to appreciate for years. Waiting no longer makes sense.

2. Mortgage Interest Rates Are Projected to Increase

Freddie Mac’s Primary Mortgage Market Survey shows that interest rates for a 30-year mortgage have remained around 4% over the last couple months. The Mortgage Bankers Association, Fannie Mae, Freddie Mac & the National Association of Realtors are in unison, projecting that rates will increase by at least a half a percentage point this time next year. An increase in rates will impact YOUR monthly mortgage payment. A year from now, your housing expense will increase if a mortgage is necessary to buy your next home.

3. Either Way, You are Paying a Mortgage

There are some renters who have not yet purchased a home because they are uncomfortable taking on the obligation of a mortgage. Everyone should realize that, unless you are living with your parents rent-free, you are paying a mortgage – either yours or your landlord’s. As an owner, your mortgage payment is a form of ‘forced savings’ that allows you to build equity in your home that you can tap into later in life. As a renter, you guarantee your landlord is the person with that equity. Are you ready to put your housing cost to work for you?

4. It’s Time to Move on with Your Life

The ‘cost’ of a home is determined by two major components: the price of the home and the current mortgage rate. It appears that both are on the rise. But what if they weren’t? Would you wait? Look at the actual reason you are buying and decide if it is worth waiting. Whether you want to have a great place for your children to grow up, you want your family to be safer or you just want to have control over renovations, maybe now is the time to buy.

If the right thing for you and your family is to purchase a home this year, buying sooner rather than later could lead to substantial savings

 

YOU CAN BUY A HOME, CALL US AND TAKE THE RIGHT STEPS.

Even if another Bank or Lender has said “NO,” we will work with you until we can say “YES.” If you have already started in our Qualification Coaching Program, call us, so we can check your progress!

The KEYS to your new home are within reach!
Call us 1st to AVOID mortgage problems,
Call us 2nd to SOLVE them!

Click Here to start your quick Free Credit Analysis & Pre-Qualify Now!

scott-circle
J. SCOTT HARRIS | DIVISION VICE PRESIDENT & BRANCH MANAGER
NMLS ID# 375517 (www.nmlsconsumeraccess.org)
(M) 214.435.8825 | (F) 866.343.3688
jharris@goldfinancial.com  www.goldfinancial.com  | Pre-Qualify Now

LinkedIn  |  Facebook  |  Twitter  |  JSH BLOG – News & Articles www.MortgageXperts.com

GoldEmailLOGO

885 E Collins Blvd Ste 110
Richardson, TX 75081

My Branch Closes FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

Gold Financial Services is a Division of Amcap Mortgage, Ltd. NMLS #129122. Equal Housing Lender

J. Scott Harris is a Nationally Recognized Mortgage & Social Media Authority.

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Your Credit Score Is About to Get Better

 – Nerdwallet – February 15, 2017 – Original Article

The three major credit bureaus, and one forward-thinking debt collector, are making changes that could allow millions of people to get loans they’ve unfairly been denied.

Equifax, Experian and TransUnion plan to remove civil lawsuit judgments — where a creditor has sued and won in court — and many tax liens from people’s credit reports starting July 1. Striking those public records could improve the scores of as many as 14 million people, some by enough to qualify for mortgages and other loans that are currently beyond their grasp.

Meanwhile, leading debt collection company Encore Capital Group has shortened the time it reports paid collections from seven years to two. The company, which owns Midland Credit Management, Midland Funding, Asset Acceptance and Atlantic Credit & Finance, also promises not to report new collection accounts to the bureaus if debtors start making payments within 90 days after Encore notifies them of the debt.

The moves are long overdue, because the system for reporting serious black marks has been broken for years.

Why debt reporting is broken

Credit-scoring companies have long known that people who settle their old debts are a much better risk than those who don’t — but credit scores typically don’t reflect that fact.

The latest versions of FICO and VantageScore ignore paid collection accounts, and FICO’s newest score treats unpaid medical debts less harshly than other overdue bills. But most lenders still use older versions of credit scores that count collections against consumers, which can prevent people from getting loans and credit cards, or cause them to pay higher interest rates. The problem is particularly acute in mortgage lending, where mortgage buyers Fannie Mae and Freddie Mac require lenders to use FICO scores that are several generations out of date.

Stripping collections from reports ensures they can’t be factored into credit scores, which are based entirely on credit bureau data.

The bureaus have already agreed to kick other types of collections to the curb. As part of a massive settlement with 31 state attorneys general two years ago, the bureaus promised to stop reporting collections resulting from traffic tickets, library fines and other mishaps that didn’t stem from a credit account or consumer agreement to pay. The bureaus also vowed to remove paid medical bills, and medical debts now have a 180-day “waiting period” to allow insurance payments to be applied.

Public records such as judgments and tax liens are another source of problematic data, since many aren’t properly verified or updated, and correcting errors can be tough. Civil court judgments are particularly fraught, since many people don’t know they’re being sued. Creditors are typically granted default judgments, which means they win  — even when they sue over debts that are technically too old or that aren’t even owed — because the debtor didn’t show up.

The number of lawsuits has soared as debt buyers snap up delinquent bills for pennies on the dollar and then turn to the courts for judgments. The costs of filing are so cheap that in some states creditors sue over bills as small as $60, according to a ProPublica investigation.

Small improvements for many

To be reported after July 1, a public record must have minimum identifying information, including name, address and Social Security number or date of birth, and the data must be updated every 90 days. Experian estimated that 96% of civil judgments and about half of all tax liens wouldn’t meet the new enhanced public record criteria.

Credit scoring firm FICO recently analyzed what would happen if the bureaus dropped all judgments and any tax lien that couldn’t be verified, using 30 million consumer records purged of that data that were provided by the bureaus. The credit scoring company found 6% to 7% of roughly 200 million consumers with FICO scores had such records, and that scores rose a median 10 points, says Ethan Dornhelm, vice president for scores and analytics.

Most people who have judgments and liens have other credit problems, which limits how much their scores can rise. That’s also the reason the change would have “no material effect” on FICO scores’ ability to predict risk, Dornhelm said. But the changes could be enough to allow people who just miss lenders’ credit score cutoffs to qualify for loans. To get a conventional mortgage, for example, borrowers typically need a minimum 620 credit score, while getting most FHA loans require a 580 score.

Clearing the garbage data from credit reports would affect more than credit scores, of course. Credit information is used by insurers to set premiums, landlords to grant apartments and employers to hire and promote. Making sure credit report data is accurate — and relevant — helps people save money and live better lives.

 

YOU CAN BUY A HOME, CALL US AND TAKE THE RIGHT STEPS.

Even if another Bank or Lender has said “NO,” we will work with you until we can say “YES.”  If you have already started in our Qualification Coaching Program, call us, so we can check your progress!

Call us 1st to AVOID mortgage problems,
Call us 2nd to SOLVE them!

Click Here to start your quick Free Credit Analysis & Pre-Qualify Now!

scott-circle
J. SCOTT HARRIS | DIVISION VICE PRESIDENT & BRANCH MANAGER
NMLS ID# 375517 (www.nmlsconsumeraccess.org)
(M) 214.435.8825 | (F) 866.343.3688
jharris@goldfinancial.com  www.goldfinancial.com  | Pre-Qualify Now

LinkedIn  |  Facebook  |  Twitter  |  JSH BLOG – News & Articles www.MortgageXperts.com

GoldEmailLOGO

885 E Collins Blvd Ste 110
Richardson, TX 75081

My Branch Closes FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

Gold Financial Services is a Division of Amcap Mortgage, Ltd. NMLS #129122. Equal Housing Lender

J. Scott Harris is a Nationally Recognized Mortgage & Social Media Authority.

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Q&A – Construction Loan question with student loans

I am trying to figure out if my wife and I can qualify for a construction loan. We both have a very large amount of student loans that are being paid on income based plans. I most most mortgages, other than Freddie Mac, will use 1% of total balance of loans when calculating DTI. This makes our DTI very high. If using our income based payments, it isn’t bad. Can someone tell me what lenders who deal with construction loans typically use to calculate DTI?
Thanks!

The land being given will be considered a “Gift of Equity” and works the same as making a down payment. The appraisal will confirm the value per acre and the amount that the land can be credited toward your equity investment.

Rather than counting the 1% of the balance, you might be able to have the student loan company redo your payments to a “fully amortizing” payment over 20 to 30 years. It will be more than your income based plan, but a lot less than 1%. Making this change might make the difference in qualifications.

 

 

Call us 1st to AVOID mortgage problems,
Call us 2nd to SOLVE them!

Click Here to start your quick Free Credit Analysis & Pre-Qualify Now!

scott-circle
J. SCOTT HARRIS | DIVISION VICE PRESIDENT & BRANCH MANAGER
NMLS ID# 375517 (www.nmlsconsumeraccess.org)
(M) 214.435.8825 | (F) 866.343.3688
jharris@goldfinancial.com  www.goldfinancial.com  | Pre-Qualify Now

LinkedIn  |  Facebook  |  Twitter  |  JSH BLOG – News & Articles www.MortgageXperts.com

GoldEmailLOGO

885 E Collins Blvd Ste 110
Richardson, TX 75081

My Branch Closes FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

Gold Financial Services is a Division of Amcap Mortgage, Ltd. NMLS #129122. Equal Housing Lender

J. Scott Harris is a Nationally Recognized Mortgage & Social Media Authority.

nmp-top-50-logo

Q&A – Trying to see what or if i can get approved for

You will need to spend a few minutes on the phone with a loan officer or complete a quick pre-qualification application online. We will help you understand the amount of income we can use and what your monthly debts that must be included in the Debt-to Income ratios. Based on your credit history, scores and DTI, a good loan officer can give you the answers you are looking for.

 

YOU CAN BUY A HOME, CALL US AND TAKE THE RIGHT STEPS.

Even if another Bank or Lender has said “NO,” we will work with you until we can say “YES.” If you have already started in our Qualification Coaching Program, call us, so we can check your progress!

The KEYS to your new home are within reach!
Call us 1st to AVOID mortgage problems,
Call us 2nd to SOLVE them!

Click Here to start your quick Free Credit Analysis & Pre-Qualify Now!

scott-circle
J. SCOTT HARRIS | DIVISION VICE PRESIDENT & BRANCH MANAGER
NMLS ID# 375517 (www.nmlsconsumeraccess.org)
(M) 214.435.8825 | (F) 866.343.3688
jharris@goldfinancial.com  www.goldfinancial.com  | Pre-Qualify Now

LinkedIn  |  Facebook  |  Twitter  |  JSH BLOG – News & Articles www.MortgageXperts.com

GoldEmailLOGO

885 E Collins Blvd Ste 110
Richardson, TX 75081

My Branch Closes FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

Gold Financial Services is a Division of Amcap Mortgage, Ltd. NMLS #129122. Equal Housing Lender

J. Scott Harris is a Nationally Recognized Mortgage & Social Media Authority.

nmp-top-50-logo