Archive for : May, 2017
Can you qualify for a home loan with student debt? | Keystone Alliance Mortgage
http://www.keystonealliancemortgage.com/ Student debt can be burden but don’t worry even with student debt it is still very possible for you to qualify for a home mortgage. There are several home loan options available to you. Keystone Alliance Mortgage of Erie and State College PA can help you navigate the loan process. we are here to provide you with solutions and can find a mortgage program that you can afford and works around your student debt. If you are searching for a home and want to start the process, Find out now if you qualify—–http://keystonealliancemortgagepurchase.clixonit.com/
Hi I’m Megan marsh with the Keystone Alliance mortgage and I wanted to talk real quickly about student loans. It’s something that has been changing a lot in the mortgage industry and if you have a student loan or if you’re going to be a student you need to listen to this because it will affect you buying a home.
Most, a lot of first-time homebuyers use FHA loans traditionally up for a very long time. If you add student loans and those student loans were deferred for greater than one year we didn’t have to count any payment and it didn’t matter if you add fifty thousand a hundred thousand.
Student loans have been started changing and they wanted different things and then they went to, you know, if you was deferred and you could prove that what the payment was going to be we could use that and then they changed again and again.
Well now in the last month they change student loans to where now pretty much everyone who has student loans is going to have to use one percent. This means if your student loans are deferred you don’t have a payment if you’re on an IBR (Income-based Repayment) plan. If that student loan is not fully amortized, you are going to have to use one percent.
So if you’ve got qualified, if you’ve gotten pre-approved for a mortgage, let’s say you have student loans of fifty thousand dollars and your income based repayment plan payment is 200 bucks, well now the new rules you can’t use that 200 anymore. You have to use 500 so that’s three hundred thousand dollars of buying a home line power that could really change what you qualify for and how much you qualify for if you can even buy a house.
So there are some ways to work around that, and that’s what mortgage companies and mortgage brokers like Keystone Alliance mortgages are here for, is to help find some solutions. So if you have a student loan and you need some help free up some questions give us a call, send us an email at the information below and we’d be happy to help.
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The Future of Home Loans
The Future of Home Loans
Current politics have shaken up many issues in our country, particularly the future of the home sector. Rates and regulations are likely to continue to shift throughout Trump’s presidency.
In this video, you’ll learn about the Dodd-Frank Act, and how it inhibits growth for real estate investors. I’ll discuss the history of mortgages, and rising interest rates in the United States.
You’ll learn about how the 2008 housing crash has informed current regulations, and how they could change going forward. I’ll discuss housing bubbles, and why they occur. Press play to learn more about the future of home loans!
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USDA Guarantee Home Loan Program
This video is about USDA Guaranteed Home Loan program. This loan is a great low down payment option for buyers shopping in rural areas and their suburbs. To see if a certain property or area qualifies visit: http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do
Cheaper home loans through PF number for EPFO members
Cheaper home loans through PF number for EFPO members. Watch this special segment and get to know more here.
Zee Business is one of the leading and fastest growing Hindi business news channels in India. The channel has revolutionized business news by its innovative programming and path-breaking strategy of making business news a 24/7 activity as it is not just limited to the stock market. This has made Zee Business your channel to wealth and profit.
Besides updated hourly news bulletins, there is a lot to watch out for, whether it be stock market related detailed information, investments, mutual funds, corporate, real estate, travel or leisure. The channel has the most diverse programming portfolio which has positioned it as a channel of choice amongst viewers. By speaking a language of the masses, Zee Business is today the most preferred for business news.
Some of the popular shows of Zee Business are:
Share Bazar, Mandi Live, Aap Ka Bazar, First Trade, Big Debate etc.
Different Types of FHA Home Loans
A LOT of families ask, what are the different types of FHA Home Loans.
Find out more about the traditional FHA home loan, FHA 203k home loan (aka FHA “Rehab” loan), FHA down payment assistance, and FHA home is possible loans.
Watch this insightful video and learn about the different types of FHA home loans available to you right now!
Table of Contents:
00:00 – Intro- The Real Estate Geek
00:11 – Topic- Different Types of FHA Home Loans
00:30 – Intro- The Lender Guru
00:39 – 3 Main Types of FHA Home Loans
00:54 – Traditional FHA Home Loan
01:34 – Minimum Credit Score Needed?
01:39 – How Much is the Down Payment?
02:08 – More to come…
02:52 – FHA 203k Home Loan aka FHA “REHAB” Loan
03:08 – FHA 203k Streamline Home Loan
03:17 – What’s the Minimum Credit Score?
03:45 – You Asked… We Answered! =)
04:28 – FHA Down Payment Assistance Home Loan
06:10 – Ready? Don’t Delay, Get Started Today!
06:31 – Get Pre-Approved
07:04 – Don’t Forget to Subscribe today!
07:12 – Credits & Legal Stuff
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BHHS, Nevada Properties
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Las Vegas, NV 89117
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Mann Mortgage NMLS# 2550
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How to Apply Home Loan in SBI | Complete Guideline for HBL in SBI
Here is complete Guideline for applying HBL in SBI.
एसबीआई में होम लोन आवेदन कैसे करें .
Click here to Download SBI HBL application Form https://www.sbi.co.in/portal/documents/25328/29531/1383374667552_HOME_LOANS_APPLICATION_FORM_NEW/6b2214b2-d176-4f39-9553-4b1fc691321f
Click here to apply SBI Home loan online
Click Here to Get SBI Approved Project List
Click Here to Know most important Terms & Condition of SBI Home Loan
List of papers/ documents applicable to all applicants:
Completed loan application
3 Passport size photographs
Proof of identify (photo copies of Voters ID card/ Passport/ Driving
licence/ IT PAN card)
Proof of residence (photo copies of recent Telephone Bills/ Electricity Bill/
Property tax receipt/ Passport/ Voters ID card)
Proof of business address for non-salaried individuals
Statement of Bank Account/ Pass Book for last six months
Signature identification from present bankers
Personal Assets and Liabilities statement
For guarantor (wherever applicable):
Personal Assets and Liabilities Statement
2 passport size photographs
Proof of identification as above
Proof of residence as above
Proof of business address as above
Signature identification from his/her present bankers
Additional documents required for salaried persons :
Original Salary Certificate from employer
TDS certificate on Form 16 or copy of IT Returns for last two financial years, duly acknowledged by IT Deptt.
Additional documents required for Professionals/self- employed/ other IT assesses:
Acknowledged copies of three years I.T. returns/ Assessment Orders.
Photocopies of challans evidencing payment of Advance Income Tax.
घर खरीदने का उम्दा मौका, SBI ने घटाई HOME LOAN की ब्याज दरें
India’s largest lender State Bank of India (SBI) announced a steep reduction of 25 basis points in affordable housing loans to 8.35% for new borrowers.
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Housing loan | Veedu | Manorama News
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ICICI Bank 30 Year Tenure Home Loans
ICICI Bank 30 Year Tenure Home Loans with EMI as low as 780/lakh.
To apply click on the link: http://bit.ly/2kPLsG7