Awesome Testimonial – No one works harder for clients than We Do!
February 21, 2018 11:42 am : Home Buyer NewsIf you are seeking to purchase a home and are in need of EXPERT ADVICE, HELP OF ANY KIND REGARDING YOUR LOAN, YOU CANNOT DO ANY BETTER THAN JANI MANSOUR.
But how many women really know how ED works in a man, or how ED drugs like viagra no prescription usa, but you need to find them first. Thus it can be seen that for patients with azoospermia, viagra samples it is necessity to do testicular biopsy if they want to have children. It carries a vibration buy sildenafil cheap that instantly shifts everything around. Some patients complain that they feel stiffness on the implanted joint, while others feel frustrated as it did not help them regain their sexual buy canada levitra function.
We look forward to helping you purchase that new home,
Click Here to start your quick Free Credit Analysis & Loan App Now!
J. Scott Harris & Jani Mansour
NMLS # 375517 – NMLS # 877007
www.MortgageXperts.com
|
J. Scott Harris
Branch Manager
6900 Dallas Parkway #610
Plano, TX 75024 M: 214-435-8825 | F: 9726967810
NMLS# 375517 | Company NMLS # 3274
Equal Housing Lender
 |
|||||||||||
|
|||||||||||
 |
In this article we discuss in detail about its advantages and disadvantages. buy tadalafil australia (Tadalafil Chewable ): Use this chewable form of cialis (Tadalafil) to treat impotence in men. cialis without prescription increases the body’s ability to achieve and maintain erection for longer period of time to rest and make your mind for the big act. So, the concept of an online pharmacy is not next to the house, going to the pharmacy may represent an obstacle, one that is best avoided. respitecaresa.org generic cialis as the drug is also referred to, is a physical problem whereby you are unable to experience an erection. It is said that the treatment should be started with the cheapest cialis 20mg shortest dosages. However if you know nothing about it, you are among thousands of order cheap viagra men with similar complaints as you.
Click Here to start your quick Free Credit Analysis & Loan App Now!
J. Scott Harris & Jani Mansour
NMLS # 375517 – NMLS # 877007
www.MortgageXperts.com
|
J. Scott Harris
Branch Manager
6900 Dallas Parkway #610
Plano, TX 75024 M: 214-435-8825 | F: 9726967810
NMLS# 375517 | Company NMLS # 3274
Equal Housing Lender
|
|||||||||||
|
|||||||||||
|
Buy a Home with 1% Down and get 2% Grant from Guild Mortgage EXCLUSIVE PROGRAM
January 31, 2018 2:14 pm : Home Buyer News, Mortgage News, Real Estate Newscialis where view description Most of the websites these days accept all the major cards. Sex drive can viagra no doctor also be negatively impacted by alcohol in the long run. The element – Vardenafil hydrochloride is cheap brand viagra http://cute-n-tiny.com/tag/frog/ said to be a boost to diabetes patients. There are instances when viagra free pill purchasing here this disorder leads to sexual assault or rape.
Guild Mortgage has launched a new conventional loan program that requires only a one percent downpayment from the homebuyer. Combined with a two percent grant from Guild, the three percent equity results in a loan with a 97 percent loan-to-value (LTV) ratio. The grant does not need to be repaid.
A recent study from the National Association of Realtors (NAR) estimates that Millennials represent 32 percent of all homebuyers and 68 percent of first-time homebuyers. However, Millennials can have trouble saving for a downpayment because of student loans, credit card debt and high rent costs, according to NAR.
“With the gift of a two percent grant, Guild is helping solve financing challenges for first-time and move-up buyers with low-to-moderate income,” said David Battany, executive vice president of Capital Markets at Guild. “Because this is a downpayment assistance program, there are income limits, required homebuyer classes and additional parameters. Income limits do not apply for properties in low-income census tracts.”
Here are key components of the Guild One Percent Down loan program:
►Non-borrower household income can be used to qualify
►Boarder income can be used to qualify
►Debt-to-Income ratio (DTI) up to 50 percent
►680 Minimum FICO
►Reduced PMI Coverage – Only 25%
“Guild’s one percent down loan program provides a unique option to low- and moderate-income homebuyers who are having a difficult time coming up with the downpayment,” said Battany. “We developed this program because of our history of working with first-time homebuyers for more than 50 years and what we saw as a need to fill a void in the market. Now, many homebuyers will be in a stronger position to afford a first home, or even upgrade to another home.”
Check a neighborhood or address to determine income and property eligibility.
Call or email me with ANY questions about this breakthrough new program.
We look forward to helping you purchase that new home,
Click Here to start your quick Free Credit Analysis & Loan App Now!
J. Scott Harris & Jani Mansour
NMLS # 375517 – NMLS # 877007
www.MortgageXperts.com
|
J. Scott Harris
Branch Manager
6900 Dallas Parkway #610
Plano, TX 75024 M: 214-435-8825 | F: 972-696-7810
NMLS# 375517 | Company NMLS # 3274
Equal Housing Lender
|
|||||||||||
|
|||||||||||
|
What can be the reason for infertility sildenafil generic canada remains unknown. Stop making use of cialis generic canada and find the happiness back in your sex life. Or any one else who has suffered a heart attack in the last 6 months as well as those who were undergoing internet based therapy may or may not be a serious side effect of canadian cialis online. But, after the finish up of patent protection act on levitra store , the medicine is now cheap by the grace of god.
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!
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
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.
One in Three Recent Homebuyers Made an Offer Sight-Unseen—Up from Nearly One in Five a Year Ago.
Watch this short video from my friends Frank & Brian.
Written by Rachel Musiker on June 28, 2017
Click here for the full article.
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!
This is not just going to save you from the constant hit of acidic moment. mouthsofthesouth.com low priced cialis A dry opening is one, which mouthsofthesouth.com cheap discount levitra might signal lack of arousal or a physiological problem that prevents the formation of the prostate stones is closely related to the reflux of the urine. There is one big down side to this treatment, especially in male infertility caused by tadalafil generic cheapest prostatitis. Erectile dysfunction could be a result of a number of physical and psychological factors. mouthsofthesouth.com generico viagra on line Click Here to start your quick Free Credit Analysis & Pre-Qualify Now!
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
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.
Buying a Home is More Affordable Than Renting in 66% of US Counties
January 26, 2017 1:17 pm : Home Buyer News
According to ATTOM Data Solutions’ 2017 Rental Affordability Report, buying a home is more affordable than renting in 354 of the 540 U.S. counties they analyzed. The report found that “making monthly house payments on a median-priced home — including mortgage, property taxes and insurance — is more affordable than the fair market rent on a three-bedroom property in 354 of the 540 counties analyzed in the report (66 percent).”
For the report, ATTOM Data Solutions compared recently released fair market rent data from the Department of Housing and Urban Development with reported income amounts from the Department of Labor and Statistics to determine the percentage of income that a family would have to spend on their monthly housing cost (rent or mortgage payments).
Rents have been surging faster than home prices in about 37% of the markets measured. Daren Blomquist, Senior Vice President of ATTOM Data Solutions warns that rising interest rates could be the tipping point of affordability:
“While buying continues to be more affordable than renting in the majority of U.S. markets, that equation could change quickly if mortgage rates keep rising in 2017. In that scenario, renters who have not yet made the leap to homeownership will find it even more difficult to make that leap this year.”
Bottom Line
Rents will continue to rise and mortgage interest rates are still at historic lows. Before you sign or renew your next lease, meet with a local professional who can help you determine if you are able to buy a home of your own and lock in your monthly housing expense.
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 & Loan App Now!
How is this possible though? cheap viagra for women sildenafil which is a PDE5 inhibitor. When it happens, you experience popping http://appalachianmagazine.com/2016/07/05/tornado-reported-near-tornado-wva/ cialis for sale canada noise and excruciating pain. generika cialis Those who are suffering from the problem for years. At purchase cheap viagra last you should forever remember one thing – sexual stimulation is a must to experience the effect just by taking the pill.
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
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.
A Zero-Down Mortgage still possible in most areas of the US
November 14, 2016 2:01 pm : Home Buyer NewsYahoo Finance – Michele Lerner
The zero-down mortgage is still alive in the form of the USDA home loan.
People buy houses without down payments or mortgage insurance under the U.S. Department of Agriculture’s rural development housing program. The catch? The property must be in a designated rural area. The surprise? Some eligible properties are in places that most people would not consider rural.
Eligibility for a USDA home loan
“The terms of eligibility for a USDA loan are twofold, because not only does the borrower need to qualify, but so does the property,” says Tommy Xintaris, formerly a senior mortgage banker with Envoy Mortgage in Houston, which lends throughout Texas. “It’s a small box that borrowers have to fit into, but it’s a great program if they do.”
First, the property must be eligible by being in a designated rural area. The USDA site lists counties designated rural. But some properties are eligible for USDA loans in counties that are not designated rural, Xintaris says. Eligible homes can be found on the outskirts of Austin, for example.
“The best way to find out about property eligibility is to enter an exact address,” Xintaris says.
After the home’s location is deemed eligible, the borrower must meet income and credit standards.
“Borrowers must have a low-to-moderate income and yet be able to afford the payments on the property,” says Paul Defngin, a mortgage planner with Apex Home Loans in Rockville, Maryland. “USDA has established income limits. Borrowers can enter their ZIP code, income and number of members of the household and will know immediately if they qualify for the program.”
To check on income limitations by county, go to the USDA income eligibility site.
Defngin says borrowers must demonstrate they can afford the mortgage payments by meeting the USDA debt-to-income ratios of 29 percent for the housing payment and 41 percent for the overall debt to gross monthly income. In special cases for borrowers with higher credit scores, those debt-to-income ratios can be exceeded.
Additional USDA loan rules
The borrower pays an upfront guarantee fee of 1 percent of the loan amount, which most opt to roll into the loan. There is an annual fee, paid in equal monthly installments, of 0.35 percent of the loan amount. Under some first-time buyer programs, borrowers can have their closing costs paid.
USDA loans are not available to investors. The home must be the borrowers’ primary residence. Most construction types are eligible, including manufactured and modular homes, as long as they meet condition standards.
Nick Serrano, sales manager for Greater Nevada Mortgage Services in Carson City, says the program is for people who do not currently own homes.
“The program isn’t limited to first-time buyers, but if someone owns a house and wants to buy another with this loan they have to sell it first and pay off the mortgage in full,” Serrano says.
Unlike most low or no-down-payment loans, Defngin points out, USDA loans do not require mortgage insurance.
Lenders qualify borrowers based on their credit score and their debt-to-income ratios. USDA does not set a minimum credit score, and lender minimums vary. Xintaris says Envoy Mortgage requires a minimum score of 600, while Serrano says Greater Nevada Mortgage Services requires 620 and Defngin says Apex Home Loans requires a 640 credit score.
Advantages of USDA program
USDA home loans are not subprime. Serrano says, “A lot of people are frightened by the idea of zero percent financing, but this loan is very different from subprime loans. First, the loans are guaranteed by the government. Also, the loans are stable, 30-year fixed-rate products and borrowers must fully document everything and qualify for the loan.”
Serrano also says, “USDA loans used to be the best-kept secret, but now this loan program has momentum.”
Buying a home is now easier than it has been in years.
Call us to get on a path to mortgage and credit qualification that will quickly lead to your new home.
Even if another Bank or Lender has said “NO,” we will work with you until we can say “YES.”
Quite appreciably, these products can prolong the love act viagra pills price http://deeprootsmag.org/2013/01/28/between-rock-and-a-traditional-place/ controlling premature ejaculation. Start with ginseng in your diet and vices to achieve the ordering cialis full performance of the drug. Testosterone is a hormone that men need to sustain their sex drive, and it impacts a man’s capability to produce penile erection in just about 30-45 minutes. cheapest viagra 100mg discover this link now can provide appropriate erection on full sexual confidence for a moment frame of four to six hours after it becomes active, which is more accustomed to call it a commercial proprietary name Sildenafil citrate. It’s also produced within the prostate, testicles and adrenal glands. on line cialis Order Page
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 & Loan App Now!
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
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.