Credit Tips
Updated Oct. 9, 2013
When applying for a mortgage one of the first steps is to have credit pulled. An applicant's scores as well as their history is a key factor when a lender is approving them for a mortgage. Here are some basic dos and don'ts in maintaining credit. The more open lines of credit you have the higher you are a risk...

Top Recommended First Time Homebuyer Program
Updated Oct. 9, 2013
In February the FHLB program has been rolled out and I am very excited to be able to originate these loans for first time home buyers. The program offers a 1 to 5 dollar match on your down payment up to 7,500 dollars. If the borrower provides 1,500 dollars down and meets the household area median income they will...

The 620 Credit score home purchase
Updated Oct. 9, 2013
As the guidelines have tightened over the last two years qualifying borrowers for home ownership has been more challenging then it has in the past. Currently we can qualify our clients with a FHA 620 credit score with 3.5 % down. This is great for borrowers who are very close to reaching this number as opposed to the...

First Time Home Buyers
Updated Oct. 9, 2013
Call today for details. I am able to provide 5 thousand dollars for first time home buyers and $7,500 for Nurses, Teachers, Police Officers and Government Officials with an interest rate under 3% for 30 years. A minimum of a 620 middle credit score is required. I am not a private lender but a loan officer for a bank in...

Buy and renovate your home at the same time with an FHA 203K mortgage
Updated Oct. 9, 2013
Have you ever heard of the FHA 203K program? The FHA renovation mortgage closes in 30 days and allows for $30,000 in renovations to the buyers home. Great program, great selling tool that can really increase property values and relieve the worry about finding funds to fix a newly purchased home. This program is...