dallas refinancing
http://your-dallas-refinancing.blogspot.com/
Duration : 0:0:2
May
31
On February 20th, 2009 the State of California passed a new budget which amends the State Tax Code to include a $10,000 tax credit for the purchase of a “New Home”.
A new home is simply one that has never been lived in before and certified by the builder/seller as such.
With no first time homebuyer or income restrictions this tax credit is a welcome incentive to California home buyers and to those that also qualify for the Federal Tax Credit brings the total incentive for buying a home in the next year to $18,000!
There are still details coming out about how to claim this credit so subscribe to this channel to be alerted when updates are posted
Duration : 0:4:34
May
31
http://www.HomeMortgage.com Are you shopping for low mortgage rates from Ohio mortgage lenders? HomeMortgage.com sets you up with five home mortgage quotes from top lenders! Whether youre looking for a 5 or 30 year fixed rate mortgage, HomeMortgage.com will make you feel at home with your loan with our free mortgage rates from Ohio mortgage lenders comparisons! Visit www.HomeMortgage.com today!
Duration : 0:1:4
May
31
http://ventureloanapp.com Refinance your Golden Valley home, Fannie, Freddie, Refi, FHA, VA, Conventional, Making Home Affordable, HARP. Home loan programs, Real Estate, First Time Home Buyer loans. Call Venture Development for the program that will help you refinance your Golden Valley home in this deteriorating market. Declining values are making it hard to refinance. There are new programs that will help the home owner who is on time with their payments. More programs will be coming soon for Subprime and JUMBO.
Duration : 0:2:45
May
31
http://www.HomeMortgage.com HomeMortgage.com sets you up with multiple mortgage refinance Washington options, making it easy to get a second mortgage quote! HomeMortgage.com connects home buyers and owners with the means to get the best home refinance rates! HomeMortgage.com presents you with the best Washington refinance rates to help you win on the housing market. Visit HomeMortgage.com today!
Duration : 0:1:29
May
31
http://www.HomeMortgage.com Are you trying to find the best mortgage rates from North Carolina mortgage lenders? HomeMortgage.com has a rent vs buy calculator designed to help you assess home buying risk! Whether youre looking for a 5 or 30 year fixed rate mortgage, HomeMortgage.com presents you with the best mortgage rates from North Carolina mortgage lenders. Visit HomeMortgage.com today!
Duration : 0:1:7
May
31
The Stimulus Package was voted a “YES” but how does it impact the markets, that is still in the air. Interest rates have creeped back up slightly at the end of the week. Also the $15,000 home buyers tax credit that was approved by the Senate was taken off the package. I know many home buyers were looking to see what incentive would be brought to the table. Keep in mind more news will follow this week.
Duration : 0:3:40
May
31
Learn more about loan modification and Refinance Plus from Quicken Loans at https://www.quickenloans.com/refinance/learn/loans/making-home-affordable-is-it-right-for-you
The government’s Making Home Affordable Plan is aimed at ending the foreclosure problems facing our country.
Starting now, millions of Americans may be eligible for refinancing or loan modification and you should talk to a mortgage banker right away to find out if you qualify.
If you’re one of the millions of homeowners who has made your mortgage payments on time, then the government’s plan is great news for you!
Refinance Plus – a streamlined refinance process, can now help several million homeowners to refinance to a lower fixed rate and payment – even if you couldn’t qualify because of low home values and lack of equity. And most importantly, lower credit may not be a problem!
Here’s how it works:
The message of the plan is clear – the government wants American homeowners to take advantage of historically low mortgage rates. In fact, a third of the money the government dedicated to keep rates low has already been spent.
At this point, waiting any longer could cost you money. We’ll work with you to determine your home’s value, your equity and what kind of new loan you need.
This is fantastic news for nearly 5 million people who couldn’t previously refinance under traditional guidelines.
It’s that simple.
Were also getting some Questions about Loan Modification. Loan modifications were intended solely to protect homeowners from foreclosure, and to stop the decline of property values.
In order to qualify you must be able to prove serious hardship in writing, verify all income and expenses, as well as assets.
Contact your mortgage banker today to get the answers you’re looking for and to take advantage of our safe and secure long term financing.
The plan is here and the message is clear: Now is the time to refinance and take advantage of historically low interest rates. Millions will benefit from a lower mortgage payment. Why not you?
You can also read the most common myths about the government’s plan at https://www.quickenloans.com/refinance/learn/loans/the-making-home-affordable-plan-myths-about-loan-modifications-and-refinancing
Duration : 0:2:15
May
31
Chicago, IL Real Estate – Homes for sale
May
31
$8000 Tax Credit for First Time Home Buyers with Low Down Payment. Lender Finance Program with Low Payment and Fixed Interest Rate on FHA Mortgage and Government Assistance. Go To http://RealEstateMarketingThisWeek.com
Part 8 (Excerpt)
Analyzing tax returns for self employed and small business owners; Use a Mortgage Planning Expert
Credit scores now are a major factor with interest rates. You see the liars up on the internet with interest rates being at 4.625% and all this kind of hocus pocus, its not true. You are never going to qualify for that rate today. They are going to lie to you, once you sign and see the fine print you are going to realize that it is a ridiculous idea to pay that amount of money in fees.
Credit scores have to be significantly higher than they used to, but again I have to tell you, its my opinions that a 70% no doc loan with someone who has a 720 or higher credit score I believe is a good loan. I personally believe that at some point it will be brought back.
I am not arguing with that, with a good FICO score I can agree with a 20% down for a stated income loan. People are encouraged through our tax system to write off all of their expenses and so often we have small business people who really are making money but because they take advantage of our tax system they are not able to get a loan. They cant qualify based upon their income.
In a lot of cases yes, but once again I definitely want to point his out just because someone is self employed and owns a small business and they do write everything off, that does not mean that they will not qualify. They may have been told now that they have to go stated income because of tax returns, but most people, the small business owner, the consumer doesnt know how to analyze his taxes, whether or not he is going to qualify for financing thats not his area.
Most CPAs dont even know how to analyze taxes to extrapolate enough income back out where we can use it as income, so just because a person is self employed does not mean that they cant qualify for financing and honestly nothing could be further from the truth. Plenty of people self employed, small business owners will qualify using their tax returns.
I think that anyone right now who doesnt own a home should be giving you a call getting pre-qualified. If nothing else give you a call and see what you can do. So you say, I wrote off a bunch of stuff last year and I am not going to be able to buy a house well maybe you can. But get in there, have a professional, have someone who knows what to do, whos been in the business for 15 years, have them take a look at it and decide whether or not you can really get that loan.
One of the things with my mortgage education; I am a certified mortgage planner. I am a certified mortgage analyst and a certified mortgage planning specialist. The significant part of that training and those certificates is in analyzing complex tax returns and we analyze complicated tax returns for professional athletes, for professional musicians, all the time. There is income always, it is just a matter of knowing how to get all of it out there. So I think we have kind of hit that.
So yes if you dont own a home today and you have been told NO, you need to find out if the person who told you no is qualified to tell you no, #1, and #2, less than 15% of the lenders in Arizona are qualified to do FHA loans. Those are the loans we are talking about, $100 down to buy a HUD-home, less than 3.5% down to buy a house with the best interest rates that we have seen in my career, its crazy not to look at your options.
If a lender does tell you no, it would be like going to a doctor and he says you have to have your arm amputated because you have a pimple on it. I think you are going to go get a second opinion, maybe even a third. To make sure you dont have to have it cut off. And that is exactly what we have here, if you go to a lender and he says, Well you are going to have to put down 20% you know he is not an FHA lender. So run out of there and call Michael at Velocity Financial and get yourself pre qualified.
Dan Havey, you have a great website, its called http://discountdreamhome.com and why dont you talk real quick about that. Its real simple, if you are looking to buy a foreclosed home, and as we discussed earlier they are many times the best homes to buy right now, they are vacant, they obviously have a highly motivated seller. You dont have to deal with all the troubles you would have to deal with from a regular or as we refer to them, an organic seller, because a lot of these people are upside down.
Duration : 0:7:49