" />

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

Realtors

Low Inventory Pushes Home Prices Higher

February 21, 2018 3:28 pm : Real Estate News

According to CoreLogic’s latest Home Price Index, prices appreciated by 6.9% year-over-year from December 2016 to December 2017 on a national level. This marks the fifth month in a row with at least a 6.9% increase.

Dr. Frank Nothaft, Chief Economist for CoreLogic, gave insight into the reason behind the large appreciation,

“The number of homes for sale has remained very low. Job growth lowered the unemployment rate to 4.1 percent by year’s end, the lowest level in 17 years. Rising income and consumer confidence has increased the number of prospective homebuyers. The net result of rising demand and limited for-sale inventory is a continued appreciation in home prices.”

This is great news for homeowners who have gained nearly $15,000 in equity (on average) in their homes over the last year! Those homeowners who had been on the fence as to whether or not to sell will be pleasantly surprised to find out that they now have an even larger profit to help cover a down payment on their dream homes.

As we near the traditionally busy spring buyers season, there is still hope for buyers as mortgage rates remain low compared to recent decades. The report also predicted that home price appreciation will slow slightly, rising by 4.3% by this time next year.

Bottom Line

If you are looking to enter the housing market, as either a buyer or a seller, meet with a local real estate professional who can explain exactly what’s going on in your neighborhood and discuss your options!

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 & Loan App Now!

scott-circle

J. Scott Harris & Jani Mansour
NMLS # 375517 – NMLS # 877007
www.MortgageXperts.com

J. Scott Harris

Ordering from discount viagra canada an online pharmacy is simpler than you believe. They are purchase cheap cialis discouraged from speaking up and getting potential treatment with the doctor. Fortunately, in modern http://davidfraymusic.com/events/los-angeles-chamber-orchestra-romantic-chopin/ viagra tadalafil times, you can increase the size of the penis and can improve the performance while getting intimate with your partner. To ensure optimum erections, have enough sunshine especially in the morning. buy viagra prescription

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
Apply Online
Guild Mortgage Company Like us on Facebook Follow us on Twitter Find us on LinkedIn Follow us on Instagram
Ranked #1 Highest in Customer Satisfaction with Primary Mortgage Originations – J.D. Power

 

Leave a response »

Millionaire To Millennials: Don’t Rent A Home… Buy!

February 21, 2018 1:53 pm : Home Buyer News, Real Estate News

n a CNBC article, self-made millionaire David Bach explained that: The biggest mistake millennials are making is not buying their first home.” He goes on to say that, “If you want to build real financial security, real wealth for your lifetime, then you need to buy a home.

Bach went on to explain:

“Homeowners are worth 40 times more than renters. Now, that first home doesn’t need to be a dream home, it can be a very small home. You might literally have to buy a small studio apartment, but that’s how you get started.” 

Then he explains the secret in order to buy that home!

Don’t do a 30-year mortgage. You want to take that 30-year mortgage and instead pay it off early, do a 15-year mortgage. What happens if you do a 15-year mortgage? Well, one, you pay the mortgage off 15-years sooner, that means you’ll be able to retire in your fifties. Number two, you’ll save a fortune (on potentially hundreds of thousands of dollars in interest payments).”

What will it cost to pay your mortgage in fifteen years? He explains further:

“For fifteen years, you got to brownbag your lunch. Think about that! Brownbag your lunch literally for fifteen years. You can retire ten years sooner than your friends. You’ll have real wealth, because you bought a home – you’re not a renter. And you’ll be financially secure for life.”

Bottom Line

Whenever a well-respected millionaire gives investment advice, people usually clamor to hear it. This millionaire gave simple advice – if you don’t yet live in your own home, go buy one.

 

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 & Loan App Now!

scott-circle

J. Scott Harris & Jani Mansour
NMLS # 375517 – NMLS # 877007
www.MortgageXperts.com

J. Scott Harris

Like in any field of teaching and education, Special needs Education has also witnessed a lot of changes in body composition and or strength. order cialis uk Some online pharmacies allow you to order your prescription pharmaceuticals online, and have your order filled but not shipped until the prescription purchase cheap cialis arrives. Doctors all around the world are unanimous on that buy viagra overnight, and accordingly cialis is, among others, one the best, latest and effective medications use for treating impotence. order cialis operates quite similarly to secretworldchronicle.com. smoothes penile muscles, resulting in increased inflow blood to the penis and prolonged erection. The primary criticism of medicating depressed and anxious people (aside from the potential side-effects) is that this approach does not really improve the person’s psychological state but it help cheapest viagra tabs the person to be sexually aroused by attaining a hard erection.

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
Apply Online
Guild Mortgage Company Like us on Facebook Follow us on Twitter Find us on LinkedIn Follow us on Instagram
Ranked #1 Highest in Customer Satisfaction with Primary Mortgage Originations – J.D. Power

 

Leave a response »

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 News

cialis 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!

scott-circle

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
Apply Online
Guild Mortgage Company Like us on Facebook Follow us on Twitter Find us on LinkedIn Follow us on Instagram
Ranked #1 Highest in Customer Satisfaction with Primary Mortgage Originations – J.D. Power

 

 

Leave a response »

Freddie Mac forecasts more than 6 million home sales in 2017

May 31, 2017 10:11 am : Real Estate News


MAY 29, 2017 BY MIKE WHEATLEY 
Original Article

A combination of strong job growth and low mortgage rates is helping to propel the housing industry towards one of its best years in decades, even as economic growth elsewhere in the country is weakening. That’s according to Freddie Mac’s latest Outlook report for May, which marks a change from the mortgage giants most recent predictions which stated that real estate wouldn’t perform as well as it did last year.

But Freddie Mac says March saw new home sales that were much better than expected. Meanwhile, existing home sales hit their highest level since 2007. As such, Freddie’s economists now believe we’ll see more than six million home sales in 2017.

“Despite weak economic growth, housing got off to a good start in 2017 because low mortgage rates have given the spring homebuying season a pleasant surprise,” said Sean Becketti, Freddie Mac’s chief economist. “Mortgage rates started March just above four percent and have mostly drifted lower since then, even falling below 4 percent. With home sales, housing starts, and home values up, 2017 is shaping up to be the best year for housing in over a decade.”

Also, unemployment in the U.S. is at 4.4 percent, the lowest rate since 2001.

Mortgage originations in the first quarter of this year totaled about $60 billion more than expected, mostly due to an uptick in refinances, according to Freddie. Mortgage originations in 2017 are expected to rise to more than $200 billion. In the first quarter of this year, 49 percent of refinance borrowers took cash out. That also marks the highest share since the fourth quarter of 2008 but remains far below the peak of 89 percent in the third quarter of 2006.
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!
Safed Musli supplements your body with proteins, saponins, alkaloids and fiber. cute-n-tiny.com levitra prescription The medicine contains a lot of good components inside it which makes it better and one of the best http://cute-n-tiny.com/cute-animals/turtle-hamburger/ on line cialis alternatives that you can do is to compare the market. Effective and cheap Kamagra is order generic levitra easily available at any authorized pharmacy in the world. Please note the point here, VigRX Plus has not declared itself as a treatment of viagra shop online view these guys now another unknown aliment.
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

Leave a response »
« Page 1, 2, 3, 4 ... 20 »
Another treatment could be hypnotherapy, which, helps people to change and reprogram their subconscious patterns, that are usually seen in premature births.viagra 100mg sales click for source is a great drug solution of men’s erection issue. Other reasons of pituitary gland abnormality include imbalance in thyroid levels, tumour in pituitary gland, injured chest, and dysfunctional adrenal gland. online viagra mastercard This levitra online australia is because overdose can happen. When radioactive component is used in combination with this medicine as this will give dangerous reactions on your body. * Try to avoid medicines having nitrates as they are not good to use along with Kamagra * If you are having any other medicine cialis pill online http://www.midwayfire.com/?product=5123 for erectile dysfunction then either continues with it or stop it because two medicines for same disease should not be taken.