Archive for : November, 2016
Lower Parel: Come, Experience The Run | Indiabulls Home Loans Vasai-Virar Mayor’s Marathon 2016
Tired of the mechanical 9-to-5 routine? Just sitting in one chair for hours and staring at your computer screen? Break free and take up a new challenge. Step into those shorts and the running shoes and conquer newer heights. Register for the Indiabulls Home Loans Vasai-Virar Mayor’s Marathon, and run: run long and run far http://bit.ly/2ffVazk
#IBVVMM2016 #ExperienceTheRun #Marathon
Government employees को मिलेगा State bank of India का सस्ता Home Loan
As SBI announced, Home loans to the government employees will be sanctioned at lower interest rates. The Bank said, this facility is provided to the government employees after the approval of 7th Pay commission. Even, the government employees will get the home loans at the age of 75.
How home loans work0974v
How home loans work0974v
Refinace Your Home Loan. We compare the top 25 lenders and beat your loan rate to save 00s!
Student Loans for College | Discover Student Loans
Indiabulls Home Loans Vasai-Virar Mayor’s Marathon 2016. Come, Experience The Run!
42 kilometres of tarmac – stretched between you and the finish line – waits to be conquered. This is a mission that’s meant for those with the determination and the will to make it through. The Indiabulls Home Loans Vasai-Virar Mayor’s Marathon is here to test your mettle. So aim for the finish line: get up, gear up, and register NOW on http://bit.ly/2ffVazk
#IBVVMM2016 #ExperienceTheRun #Marathon
Getting a Home Loan is actually very easy
Many people think it’s become harder to get a mortgage and buy a house in today’s economy. Actually the opposite is true … it’s just a matter of providing some basic information for us to verify. Watch this video for details on what we require for most home loan programs.
As a home loan originator, I get asked all the time; “Is it really that hard to get a home loan these days?”
The answer to that is no … IF you can prove what you earn, and prove what you have.
Many people are under the false assumption that with the struggles the housing industry has had, and the lending guidelines getting a bit tighter over the years, that it has become prohibitive for them to even TRY and get a home loan.
But the opposite is true! Throughout all the guideline changes, the documentation process has actually gotten a lot easier, and most home loan programs will require all the same documentation from a prospective buyer.
Here is a list of the most common items we will ask you for when you want to get pre-approved on your next refinance or home purchase loan:
1. Must Prove Income
This basically means supplying W2’s and tax returns for the last 2 years, as well as pay stubs from the last 30 days.
We will analyze them and look at your tax returns for write-offs you have, rental property income, or even self-employment income on those returns.
2. SSA/Pension Award
If you receive social security administration income or pension income, we are going to need some kind of award letter to show the amounts you received.
3. Self Employment Records
Now, if you are self-employed and own more than 20% of your business, we will need your business tax returns as well. (any 1099’s and/or K-1’s) That’s not necessarily a bad thing — again, there are many write-offs you may have taken that we can add back into your income, depending on the circumstances.
Now, I said you have to prove what you have as well. If down payment funds are required for your home purchase, we will need to see those in your accounts. We will need:
Bank statements from the last 60 days
Retirement account statements from the last quarter (401K, IRA, etc)
Many home loan programs allow you to use “gift funds” for your down payment, such as money from a family member, or close relative with a documented relationship — and if that’s the case, we have a process for documenting and proving the source of those funds as well.
Banks are going to want to know where the money came from in your account that is going to be used for a real estate transaction, as that is the current law.
We will also need information on your property. If it’s a refinance transaction, we’ll ask for your:
-Current mortgage statement
-Property tax bill
-Homeowners insurance declaration page
-Rental property lease agreement (if applicable)
If you are buying a home, we will need:
-Homeowners Insurance (you get to choose, so just get us the name and phone number)
There are unique situations that apply to many people. If you’ve had gaps in employment in the last two years, or maybe a job change 6 months ago; that is not necessarily a disqualifier!
If you write us a good Letter of Explanation, and you can show your history through current pay stubs, or show your job change with proof of your income continuing through, that’s going to be fine.
Maybe you got laid off and had a short gap, that’s going to be ok as well — we will just need you to explain that.
If you have been through a divorce, pay child support, or other unique situation like that, we will need proof of that in the form of a judge-signed decree as well.
And finally, we are going to pull a credit report. So if you have multiple addresses showing on it from moving around, or maybe you have an alias such as a name change when getting married, we will need a bit of explanation on that too.
This all may sound like a rather lengthy list, but it’s really not! I’ve got the list posted on my website, www.GoNorthwestLoans.com just look for the button “Items Needed for Your Loan Application”.
If you can supply all this information to us up-front, then when you actually proceed with your home purchase, all we are going to need to do is make sure what we have in your file is updated, and we’re ready to go!
It’s really that simple, and will apply to just about ANY home loan program!
Questions? Call me at 503.698.5801, or visit my website and www.GoNorthwestLoans.com.
VA Loan Property Guidelines Explained by Veterans United Home Loans
“Learn more: www.veteransunited.com/education/house-hunting/va-property-requirements/
The VA wants veterans and servicemembers buying homes that are move in ready, which is why it created a list of property requirements that every residence must meet. Having a VA-savvy real estate agent will help you navigate these requirements, but you should learn them yourself to make your house hunt as easy as possible. In this video Samantha Reeves, Veterans United’s Real Estate Expert, breaks down those requirements and offers 6 considerations to keep in mind when house hunting.”
HOMELOANS FOR B KHATA LOANS IN BANGALORE
HOMELOANS FOR B KHATA LOANS IN BANGALORE
Who Will Play In The NOVA® Home Loans Arizona Bowl? – Week 13
We are entering the 13th week of the college football season, and the NOVA® Home Loans Arizona Bowl will be here before you know it. Campus Insiders’ Pete Fiutak tells us which teams might square off in Tucson on Friday, December 30th.
No money down home loans for Texas buyers | 214-945-1066
How USDA home loans work. www.mortgageprosus.com/USDAHomeLoans No Down Payment USDA Mortgage Program Makes Texas Homes More Accessible
One of the biggest challenges many Texas first-time home buyers or step up buyers face is a lack of down payment and the necessary funds for closing costs. However, even with the widespread availability of “no-money-down programs” evaporating in the credit crisis, one national no-down payment program still remains: USDA Rural Development home loans. The majority of Texas communities qualify for this program which could save home owners a considerable amount of money when compared to a FHA or conventional mortgages.
The Richard Woodward Mortgage Team has over a decade of experience in helping home owners purchase with USDA loans. Credit guidelines are very flexible for the program. We will make your dream of home ownership come true. Call us today for far better customer service than your bank and we will share with you all the information you will need.
By coming to us rather than directly to USDA, we can provide faster service and more flexibility to meet your needs.
Offered by the USDA (United States Department of Agriculture), this program might make you think that you have to buy farmland or live “in the country” to qualify, but this is often not the case. In fact, you might be surprised to see just how many neighborhoods actually do qualify as rural development areas. For this program, the term “rural” really applies to those areas with a lower population or fewer homes, not necessarily those areas and neighborhoods far outside of the bigger cities.
There are several benefits of the USDA loan program besides no money down. Although the program requires private mortgage insurance it is often at a much lower rate than most other loan programs, and the seller is allowed to pay all of your closing costs and pre-paid items up to 6.00% of the total sales price of the property. And while this is great news for first-time home buyers, it’s important to note that you don’t have to be a first-timer to qualify for a USDA loan.
NEWS FLASH! Effective October 1st, 2016 USDA loans will receive a new lower upfront fee of 1% of the loan amount. The annual fee will change to 0.35% of the average scheduled unpaid principal balance of the life of the loan.
Other than the location of the property you’re seeking to buy, there is one other limitation to this valuable program that you must consider: your income. The income limits change from time to time to allow more potential buyers to take advantage of this special program.
To find out more about USDA loans, give us a call toll free (888) 419-0706. We can have an answer as to whether you qualify for this program in just a few minutes. Click here to apply now!
Are you Veteran? Click here to find out an even better NO Money Down mortgage- VA Home Loans.
Richard Woodward, NMLS 217454
Your Local, Direct, 5 Star Rated Mortgage Lender
Office: (214) 945-1066 www.MortgageProsUs.com
Interlinc Mortgage Services, LLC., NMLS 205696
7711 San Jacinto Place, Ste 100 Plano, Texas 75024
Licensed by the Texas Department of Savings and Mortgage Lending (SML) Mortgage Banker Registration. InterLinc is an Equal Housing Lender. This is not an offer of credit or commitment to lend. Loans are subject to buyer and property qualification. Rates and fees are subject to change without notice.
Interlinc Mortgage is a direct mortgage lender serving all of Texas. This Plano, Texas Branch services all of Texas but is local to the DFW, Plano, Frisco, Allen, McKinney, Carrollton, The Colony, Melissa, Prosper, Fairview, Denton, Lewisville, South Lake, Coppell, Rowlett, Rockwall, Mesquite, Richardson and Garland.
5 points in getting approved for a Nedbank Home Loan
Welcome to GPF Mortgage.
We specialize in Home Loans.
Our services to you is to get your bond application approved in no time, without you having to deal with the on going follow up and pushing and pulling in trying to find out exactly where you stand.
We at GPF Mortgage will do more than just take of that for you we will go out of our way in getting you the best deals on interest rates and service.
In the following clip we are giving you the 5 best points to assure you get your Home Loan approved from Nedbank.
Please feel free to contact us via email at email@example.com or visit us online at www.gpfmortgage.co.za for more information also please subscribe to our youtube channel via GPF-Mortgage-Home-Loans so that you don’t miss out on more Money Saving tips.