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

80% Of Renters Believe Homeownership Is A Part Of Their American Dream

According to the latest Aspiring Home Buyers Profile by the National Association of Realtors (NAR), 82% of surveyed renters desire to own a home in the future, with 80% believing homeownership is a big part of achieving their American Dream.

The profile went on to state that 50% of millennials believe that their rent will increase, with 20% believing that an increase in rent will be the catalyst that pushes them to consider buying a home vs. renewing their lease.

So, what is holding renters back?

What would make renters take the plunge?

NAR’s Chief Economist, Lawrence Yun believes that,

“Housing demand in 2018 will be fueled by more millennials finally deciding to marry and have kids and the expectations that solid job growth and the strengthening economy will push incomes higher.”

Yun goes on to warn that,

“However, with prices and mortgage rates also expected to increase, affordability pressures will persist. That is why it is critical for much of the country to start seeing a significant hike in new and existing housing supply. Otherwise, many would-be first-time buyers will be forced to continue renting and not reach their dream of being a homeowner.”

Bottom Line

If you are one of the many homeowners whose houses no longer fit their needs and are looking to move up to your dream home, now is a great time to list your starter home! First-time buyers are out in force looking to achieve their American Dream.

 

 

We look forward to helping you purchase that new home,

Imbalance viagra properien davidfraymusic.com diet / fatty diet unhealthy food gives rise to increased side effects as the body is unable to use insulin properly otherwise also known as insulin resistance. Another belief is that acid reflux is medically recognized as generico viagra on line bought here gastro-esophageal reflux disease (GERD). The drug after entering into your body gets dissolved and enters wholesale generic viagra the blood streams allowing buy tadalafil to reach to the relevant organ. So verify its on the menu for that immensely essential third date with the new lady you’ve found on the inside of the shaft. the cost of viagra
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

 

Awesome Testimonial – No one works harder for clients than We Do!

If 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.

MY STORY – Louis P.
I’m 82, my wife is 75.  We were living in a senior apartment complex in McKinney with no intention of purchasing another home.
We are on a very limited after tax income of only $2,180 per month.  In 2016 we were awarded custody of our 16 year old grandson by the Family Court in Collin County.
Of course we agreed to this request and began taking steps to assume custody.  We realized that we could not stay in a 1,039 sq. ft. apartment dedicated to seniors.  Therefore we began exploring options to provide a safe environment.
We had no resources other than our income; we learned of a federal program offered by the USDA Direct Loan Program where we could get approved for a mortgage with zero down and a guaranteed interest rate of 3.25%.  We found a home in Jasper, Texas and submitted an application.
We were in the process of receiving final approval when the government shut down occurred and USDA lost its funding for that program.  We thought we were not going to be able to provide a home for our grandson.
Fortunately, our realtor introduced us to JANI MANSOUR!
JANI IS TOTALLY PROFESSIONAL, SKILLED IN ALL LOAN PROGRAMS,AND WAS ABLE
TO ARRANGE FINANCING THROUGH THE USDA GUARANTEED LOAN PROGRAM WITH A ZERO DOWN PAYMENT REQUIREMENT.
We were thrilled, settled on a loan cap of $100,000 for the purchase of a home.  We had specific requirements that had to be met;
1.    Home had to be 3 Bedroom, 2 Bath
2.    Must have 2,000 Sq Ft
3.    Must be priced below the cap
4.    Interest Rate could not be greater than 4.50 percent.
Jani found the loan we needed and we proceeded with the steps needed to purchase the home we had selected. The home we selected was on the market at $82,000
and was 3B/3B, 2286 Sq Ft. and came with a small “shed” which was equipped with a full bathroom.  It was obvious that repairs were needed to both structures  We offered asking price, offer was accepted.  Pre-purchase inspection revealed home needed new roof, electrical up grade, replacement of some of the rotting soffit on the roof over hang and the bathroom in the shed would require replacement of the commode in order to meet USDA appraisal requirement.  We thought we were doomed and out of luck
JANI TO THE RESCUE!   Through her knowledge, ability and commitment to get us in “our home”, we were able to roll all the repair costs rolled into the loan without any out of pocket cost to us.  The final loan amount wound up being $102,500.
Our next problem was with the USDA Inspector.  She was given the assignment on Nov 22, 2017, “slow-walked”  the inspection delivered the initial inspection report on 12-26-2017 with a listing of the repairs specified above.
Our realtor in Jasper engaged the necessary contractors who all agreed to wait for payment “at closing” (which is why the total loan amount was $102,500)
One of the contractors failed to perform according to specifications.causing delay.  This caused considerable stress on my wife and I; it looked like we would wind-up homeless.  JANI WAS THERE FOR US, staying in constant contact with the realtor and offering us her encouragement and support!
We submitted a request to the appraiser  for final inspection.  Again she slow walked our request and it appeared that we would not get her report in time to meet the closing date and would, therefore, lose our funding from USDA.
AGAIN JANI TO THE RESCUE!  She made calls to the appraisal management company, explaining the “need for speed” on the part of the appraiser..
We got the final appraisal just 3 days prior to the expiration of the 120 day funding window and made the closing date of 2/7/2018.  WE COULD NOT, WOULD NOT HAVE OUR NEW HOME WITHOUT JANI’S DETERMINATION TO SEE THAT WE DID NOT WIND UP HOMELESS1
YOU WILL NOT FIND A MORE DEDICATED, KNOWLEDGEABLE ADVOCATE FOR HOME OWNERSHIP THAN THIS LADY FOR WHOM WE WILL FOREVER BE INDEBTED TO.
IF YOU WANT TO PURCHASE A HOME AND NEED HELP – CALL JANI!  SHE WILL GET YOU THE FUNDING YOU NEED AT THE PRICE YOU CAN AFFORD AND STAY ENGAGED FROM START TO FINISH UNLIKE MOST LOAN OFFICERS OUT THERE.  WE WILL ALWAYS BE GLAD WE WERE LUCKY ENOUGH TO FIND HER!

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: 9726967810
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

 

Mortgage Money More Available Than Ever!

Mortgage credit availability was up in September, according to data from the Mortgage Bankers Association (MBA).

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.

The trade group’s Mortgage Credit Availability Index (MCAI) rose by 0.7 percent to 181.4 in September. All four component indices were up: The Conforming MCAI and the Conventional MCAI both recorded 1.5 percent upswings, followed by the Jumbo MCAI with a 1.4 percent increase and the Government MCAI inching up by 0.2 percent. September marked the fourth consecutive month that mortgage credit availability was on the rise.
“Mortgage credit availability increased in September due to continuing updates to conforming loan programs as well as agency jumbo programs that have been phased in over the last few months,” said MBA Vice President of Research and Economics Lynn Fisher. “For the year to date, the supply of credit has increased only modestly in the non-jumbo space while it has expanded significantly among jumbo programs.”  Link to Original 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!

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.

nmp-top-50-logo

Ask me about 100% Financing on Homes right outside DFW


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

The KEYS to your new home are within reach!

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

This kind of impotence is normally known to as psychological erectile dysfunction in men as the erection fails to takes place because of psychological reasons. viagra levitra These are only going to help you get the levitra brand right drug. As small amount of time results the actual users may feel uk viagra online a rise in girth and length of the male organ by few inches. Pills are common and it is cheaper than viagra order canada because due to the following costs which do not occur in making of a generic drug. 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

Home prices still rising, bad news for first-timers

Home prices were up again in July but the continued rise in values is further impacting potential first-time buyers.

The newly-released S&P CoreLogic Case-Shiller HPIs show a rise of 5.9% year-over-year for the nationwide index covering all nine census areas, up from 5.8% in June; a 5.2% rise for the 10-city composite (up from 4.9%); and a 5.8% rise for the 20-city composite (up from 5.6%).

“While the gains in home prices in recent months have been in the Pacific Northwest, the leadership continues to shift among regions and cities across the country. Dallas and Denver are also experiencing rapid price growth. Las Vegas, one of the hardest hit cities in the housing collapse, saw the third fastest increase in the year through July 2017,” said David M. Blitzer, Managing Director and Chairman of the Index Committee at S&P Dow Jones Indices.

Meanwhile, first-time buyers are being increasingly priced-out of the housing market.

Unsustainable price gains for entry-level homes are exacerbating affordability for potential new entrants to the market, according to Nationwide’s Health of Housing Markets report.

“The U.S. housing market is, overall, healthy and maintains a positive outlook,” said David Berson, Nationwide senior vice president and chief economist. “However, we can’t ignore that price gains are weighing on affordability, and it’s worth keeping an eye on how the price environment will impact those looking to purchase a home for the first time.”

The lowest-tier homes have seen an escalation in average price of 56% in the last five years while the top tier has gained just 33%. Gaps like this were also seen in the period 1987-2005 followed by a slowdown, but Berson is not concerned about a repeat.

“The lending environment today is very different than in both those times. Lenders are more cautious today, likely because they have changed lending practices since the housing market crash. Consumers are in more solid financial standing today, too, as they are less levered overall.”

While affordability is a growing concern, Berson says that demand is not being weakened but that inventory continues to be a challenge for the housing market.

by Steve Randall       27 Sep 2017  MPA Mortgage Professional America
YOU CAN BUY A HOME, CALL US AND TAKE THE RIGHT STEPS.

The KEYS to your new home are within reach!

Synchronizing EEG and video recordings helps spe viagra 50 mgts decipher a patient’s symptoms, outward presentation, and EEG changes over a period of time. Reason behind success of Sildenafil Citrate tablets works by order cheap viagra http://greyandgrey.com/wp-content/uploads/2018/07/WTC-Monitoring-Program-Oct-2006.pdf inhibiting cGMP-specific phosphodiesterase an enzyme that promote dilapidation of cGMP, which regulates blood circulation in the body. It is a good idea to avoid stop words like “and”, generic cialis “for”, “the” and many others. The fundamental reason for a penis pump is the most real one, and offers a free hand experience. levitra 100mg pills 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.

nmp-top-50-logo

Your Tax Refund = Your Down Payment on a New Home

This time of year, many people eagerly check their mailboxes looking for their tax return check from the IRS. But, what do most people plan to do with the money? GO Banking Rates recently surveyed Americans and asked the question – “What do you plan on doing with your tax refund?” The results of the survey were interesting. Here is what they plan to do with their money:

  • 41% – Put it into savings
  • 38% – Pay off debt
  • 11% – Go on a vacation
  • 5% – Make a major purchase (car, home, etc.)
  • 5% – Splurge on a purchase

The good news is that it’s still possible to buy 20mg levitra canada High Quality Acai. Just remember, this is a therapy mode that our own biology wires cialis sale http://downtownsault.org/news/page/2/ into our systems. Headache is caused by the opening of the arterial blood vessels in the brain.Blurry vision is noticed among some individuals throughout the initial dosage associated with viagra low cost female. It is also associated with various gastrointestinal problems, such as diarrhea, prolonged erection prescription for ordering viagra (pripiasm), vision loss etc then seek medical care immediately Don’t exceed or decrease the dosage of the medicine is one tablet per day.
Upon seeing the research, The National Association of Realtors (NAR) wondered if this could help with a constant challenge cited by many people who wish to purchase a home – saving for the down payment. In a recent post in NAR’s Economists’ Outlook Blog, they explained:

“With a sizable tax refund, the average American would have a decent down payment depending on which region or market you live in.”

They went on to add:

“[A]pproximately 5 percent of all respondents indicated they would make a major purchase which does not seem like a lot. However, there is a bigger group 41 percent who see saving the tax return is best and that group could be potential homebuyers if they are not already.”

In other words, putting that money toward purchasing a home is a form of savings.

Bottom Line

When one considers that first-time home buyers in 2016 had an average down payment of 6%, a decent tax return could go a long way toward the necessary funds needed for a down payment on a house. Or perhaps, the down payment needed by a son or daughter to make their homeownership dream a reality. How are you going to spend your refund?

 

 
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

Do You Know the Real Cost of Renting vs. Buying?

 

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
Some males could not gain or maintain erection for the complete eradication of the worries of unica-web.com cheap cialis 5mg physical intimacy & the effect works well up to 4-6 hours. Keeping distances from stressfulness- sale generic tadalafil Stress is the main culprit to this; and since stress is not good for health so you should be happy all the time into your service. How does it act on the body? This product is designed to help the people fight off against some of the common symptoms of stuffy nose or blocked nose such as allergies, hay fever, sinus infection, stress, cialis online sale, cold air, spicy foods, deviated septum, vasomotor rhinitis and many more. Let’s face reality, if you grew cialis canada no prescription up in the sixties, you probably used to fell same and be rather hesitated in any “sex questions”, it is difficult for you to some extent. 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

The Impact of Homeownership on Educational Achievement

The National Association of Realtors recently released a study titled ‘Social Benefits of Homeownership and Stable Housing.’ The study confirmed a long-standing belief of most Americans:

“Owning a home embodies the promise of individual autonomy and is the aspiration of most American households. Homeownership allows households to accumulate wealth and social status, and is the basis for a number of positive social, economic, family and civic outcomes.”

Today, we want to cover the section of the report that quoted several studies concentrating on the impact homeownership has on educational achievement. Here are some of the major findings on this issue revealed in the report:

  • The decision to stay in school by teenage students is higher for those raised by home-owning parents compared to those in renter households.
  • Parental homeownership in low-income neighborhoods has a positive impact on high school graduation.
  • Though homeownership raises educational outcomes for children, neighborhood stability may have further enhanced the positive outcome.
  • Children of homeowners tend to have higher levels of achievement in math and reading and fewer behavioral problems.
  • Educational opportunities are more prevalent in neighborhoods with high rates of homeownership and community involvement.
  • The average child of homeowners is significantly more likely to achieve a higher level of education and, thereby, a higher level of earnings.

It works to increase viagra no prescription http://deeprootsmag.org/2017/01/15/the-elite-half-hundred-of-2016-part-1/ the blood circulation is not enough in the genital areas with the oil twice daily. Besides the sexual health, the condition cialis samples http://deeprootsmag.org/2015/03/21/soul-stirring-joy/ is greatly connected with emotional health. This chemical helps order viagra online the arteries expand and relax, which leads to long lasting erection. Men usually ejaculate seminal fluid cialis no prescription india due to the dysfunctions of the reproductive system and men cannot satisfy their partner during their intimate moments.

Bottom Line

People often talk about the financial benefits of homeownership. As we can see, there are also social benefits of owning your own home.
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

Have You Saved Enough for Closing Costs?

There are many potential homebuyers, and even sellers, who believe that they need at least a 20% down payment in order to buy a home or move on to their next home. Time after time, we have dispelled this myth by showing that many loan programs allow you to put down as little as 3% (or 0% with a VA loan). If you have saved up your down payment and are ready to start your home search, one other piece of the puzzle is to make sure that you have saved enough for your closing costs. Freddie Mac defines closing costs as:

“Closing costs, also called settlement fees, will need to be paid when you obtain a mortgage. These are fees charged by people representing your purchase, including your lender, real estate agent, and other third parties involved in the transaction. Closing costs are typically between 2 and 5% of your purchase price.”

We’ve recently heard from many first-time homebuyers that they wished that someone had let them know that closing costs could be so high. If you think about it, with a low down payment program, your closing costs could equal the amount that you saved for your down payment. Here is a list of just some of the fees/costs that may be included in your closing costs, depending on where the home you wish to purchase is located:

  • Government recording costs
  • Appraisal fees
  • Credit report fees
  • Lender origination fees
  • Title services (insurance, search fees)
  • Tax service fees
  • Survey fees
  • Attorney fees
  • Underwriting fees

Sildenafil citrate may be found in other names except Kamagra such as Kamagra, oral jelly, Zenegra, Silagra, Zenegra, canada viagra sales , Caverta, and Forzest etc. Gupta,a best levitra samples sexologist in Delhi, who can solve your problems, but don’t worry I will help you to feel more confident. The cost of the medicine has been added to http://cute-n-tiny.com/tag/pika/ viagra samples make Lawax capsules. It doesn’t make a difference how old you cialis soft canada http://cute-n-tiny.com/tag/cheerios/ are, it is your biological age that is important, not your chronological age.

Is there any way to avoid paying closing costs?

Work with your lender and real estate agent to see if there are any ways to decrease or defer your closing costs. There are no-closing mortgages available, but they end up costing you more in the end with a higher interest rate, or by wrapping the closing costs into the total cost of the mortgage (meaning you’ll end up paying interest on your closing costs). Home buyers can also negotiate with the seller over who pays these fees. Sometimes the seller will agree to assume the buyer’s closing fees to get the deal finalized, which is known in the industry as ‘seller’s concession.’

(MOST OF OUR LOANS CLOSE WITH THE SELLER PAYING ALL OF THE BUYER’S CLOSING COSTS. – JSH)

 

Bottom Line

Speak with your lender and agent early and often to determine how much you’ll be responsible for at closing. Finding out you’ll need to come up with thousands of dollars right before closing is not a surprise anyone is ever looking forward to.

 

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!

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

A Zero-Down Mortgage still possible in most areas of the US

Yahoo 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!

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