CalPERS Home Laons – Part 3
Part Three details the down payment assistance program available to members of CalPERS.
When using the down payment assistance program with a CalPERS FHA first mortgage it is possible to achieve 100% financing.
We also review the float down policy that allows you to reduce your interest after it is locked if the market improves in your favor during the escrow process
Duration : 0:9:45
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Duration : 0:4:55
Is Buying houses “Subject To” Illegal? Real Estate Investing Training Video No Money Down Technique
http://www.localmentor.com Colorado real estate investing mentor Michael Jake – is subject to illegal? buying houses subject to is a common no money down technique – it does violate the due on sale clause in most mortgages/deeds of trust, but still a very common and widely used by advanced investors. for more colorado real estate investing training go to http://www.localmentor.com
Duration : 0:2:53
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http://exclusivephysicianloans.com/ Young physicians can still qualify for 0% down, no PMI physician loan through our national network of realtors. EPL has access to the only True Zero Down Doctor Mortgage still available in all 50 states up to $1M.
Duration : 0:1:55
Why stop Down payment assistance?
Why is the government getting rid of down payment assistance programs?
Because that is one thing that contributed to people buying a more expensive house than they could afford, which is what caused the mess we’re dealing with now.
I need a mortgage – but have bad credit – what should I do?
I own a house free and clear – valued at about 125,000
I have about $10,000 of bad debt – credit score of 490s
I want a 60,000 mortgage, which I would also completely pay off all my old bad debt (mostly education).
How should I do this? Who would give me a mortgage right now or should I get one for 15,000, pay off everything and then get the rest in about 6 months (whould they do that?)
Thanks
You will most likely need a hard money loan. Despite the responses of people sending you to their loan sites, VERY FEW if any institutional lenders will do a loan with a middle score below 500, especially as lending underwriting guidelines have tightened.
You best bet it to get a hard money loan (be cautious of the fees), pay off your debts, establish some new credit, then get an institutional loan afterwards. Assuming that you are employed and will be able to fully qualify for a loan afterwards.
Here is a great resource that helps people learn the ropes of credit recover specifically to get prepared to get a home mortgage: http://www.bankruptcymortgagebook.com
Has anyone had any trouble with obtaining a recent mortgage with little to no money down?
Ya you gotta be careful, i was lucky and could use the VA loan. You can use this other program where the seller takes more money for the house than it’s worth, usually 6%, and puts it down toward your balance at closing with your mortgage taking the rest, I forget the name though
Im’ thinking about walking away from mortgage, whats the best thing to do?
I have a VA financing with zero down, lived in the property for 5 years. Now the property is worth 50% less than original price. thank you
Start packing, many others have done this already.
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