Thinking of building your own home with only 3.5% Down? Construction Loan

Thinking about constructing your own home but think it's too expensive?  Think again, for Veterans it's Zero Down and included the land and construction, for Fha only 3.5% Down payment included the land and construction as well - no payments during construction until the home is completed: Why worry about re-qualifying or incurring additional costs? Designed for manufactured, modular, and stick built housing, this program offers an all-in-one financing option for construction, lot purchase, and permanent mortgage funding with one closing. Because the permanent loan is closed be...

July 28th, 2015 Thinking of building your own home with only 3.5% Down? Construction Loan

HARP is still Alive

Waited too long to refinance?  You dind't miss the boat!  We are still here and rates are still all time low, easy, fast and in most instances no appraisal necessary, zero closing costs or minor, ultimatley goal you lower your payment.  One month no mortgage, and also Principal Reduction if you are more than 20% upside down!  Let's do it....

July 28th, 2015 HARP is still Alive

First Time Homebuyer - Easy and Painless

Rates are still all time low!  Let's get you into a home, this is the year, and it will go fast.  You think you don't qualify, you may be wrong, Fico Scores down to 600 and if below we will get the Score up for you or show you how.  Many Loan Programs to choose from and some come with Zero down or little down, seller pays your closing costs.  Appraisal reimbursement at closing and BOOM your in your Home.. Goal met!!! 2015

July 28th, 2015 First Time Homebuyer - Easy and Painless

Did you hear about the new FICO score changes?

,Fair Issac Corp., the creator of the FICO score, announced big changes in how it will calculate credit scores later this fall and these changes could help boost your credit score. Here are a few things that you'll want to know about.Good News ...Renters who pay their rent on time will see a boost in their credit scores.Medical collections won't hurt your credit score as much as they did in the past.Paid-off and settled collections will be ignored when calculating your credit score.Keep in mind ...An unpaid medical collection still hurts your credit score - just n...

November 4th, 2014 Did you hear about the new FICO score changes?

The Do's and Don'ts of getting a Mortgage

,These may seem simple and obvious, but they can make a big difference.DO'sAlways give us a call if you have any questions.Provide requested documents in a timely fashion.Continue paying all of your bills on time (including your mortgage or rent).Talk to us before you pay off any loans or credit cards, charge offs, or collections.Remember we're on the same team. We WANT to help you get a loan!DON'TsDON’T change your job, residence or marital status.DON’T make major purchases such as: cars, boats, cosmetic surgeries, jewelry.DON’T switch banks...

November 4th, 2014 The Do's and Don'ts of getting a Mortgage

Keys to Building a Great Credit Score

, A great credit score can make your life easier but a poor credit score can make it more difficult for you and your loved ones to enjoy all that life has to offer. Please share this advice with your friends and family. 1. Start Early One of the keys to a great credit score is having a great credit record over a long period of time. Start building credit while you are young. 2. Start Slow Don't try to run before you can walk. Start by opening a credit card account. Use the card each month but don't max it out (stay well below the credit limit). Alwa...

November 4th, 2014 Keys to Building a Great Credit Score