0 Down CHFA Mortgages- First time Home Buyers in Denver Colorado
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Duration : 0:1:53
Five 100% Loans – Part 1
Recorded from a past live webinar, this class reviews five loan programs that exist in the State of California today. Programs include:
– VA – Veterans administration loans
– USDA – Rural development loans
– CSHLP – CalHFA program that offers specific bank owned homes
under market
– SMART – CalHFA program that offers CalHFA owned homes under
market
– PERS – CalPERS offers a down payment assistance program
In addition to these five loan programs, we discuss community seconds, city and county down payment assistance and mortgage assistance programs as well as mortgage credit certificates.
This class will help you to understand how to qualify for these specialty programs.
Duration : 0:9:57
Zero Down VA Mortgage Loans!
http://www.WowColoradoMortgageLoans.com Get the Lowest VA Mortgage Rates Today in Colorado! I Guarantee to Meet or Beat Any Lenders Rates and Terms! Please Let me Know if I can help you get a Colorado VA Mortgage Refinance or Purchase loan. Thanks- to all the Veterans out there!
Duration : 0:2:58
FHA Down Payment Assistance for First Time Home Buyers
FHA Down Payment Assistance for First Time Home Buyers programs exist. If you are a first time home buyer, knowing if you quality for one of the several FHA down payment assistance programs for first time home buyers can potentially save you thousands of dollars.
At Skyline Financial Corp, we have a variety of loan programs and an established network of lenders behind us, we will find the loan that best suits your needs, at a very competitive rate. We offer conforming, non-conforming and government loan programs that can potentially help with fha down payment assistance for first time home buyers.
For more information down payment assistance for first time home buyers, contact us. Our borrowing process is fast, simple and hassle-free. We have eliminated much of the paperwork involved in applying for a mortgage loan in the traditional manner. With Your Company Name , you can inquire about a loan through the Internet, over the telephone or by fax. If you have any questions, our dedicated loan consultants will be happy to assist you with your questions regarding down payment assistance for first time home buyers.
Duration : 0:1:21
seller will consider fha downpayment assistance
4 bedrooms 2 baths with a pool in above average condition. Seller will consider fha down payment assistance and closing costs. priced at $329,777
Duration : 0:1:3
Elimination of Down Payment Assistance
Hurry! If you were planning on not bringing any money to closing you MUST close soon.
Duration : 0:0:42
First Time Home Buyer Loan, $8000 Tax Credit, FHA Low Down Payment Mortgage Assistance Program
Tax Credit for First Time Home Buyer Mortgage and Government Assistance Program to Help Home Owners Finance a Real Estate Loan with Low Down Payment and Interest Rate. Go To http://RealEstateMarketingThisWeek.com
Part 5 (Excerpt)
Inventory of foreclosed homes may be declining soon Home sales double in last year
So we are back in studio today with Dan Havey. Dan and I have known each other for many years and we have worked very close over the years in real estate. Dan and I are not necessarily 100% in agreement with where the market is today and whether we are at the bottom or not. I tend to believe that we are. Let me tell you my thinking on this.
Dan uses actual facts and figures to make his prognostications. Heres what I know, I know that Fannie Mae and Freddie Mac have put a moratorium on foreclosures. What that means is that they are slowing the supply of repos. What that means is that they are putting fewer homes on the market, which means the supply has been reduced to a 9 month supply of resale homes on the market. The builders are gearing up, getting ready to start building again, but they are not building again just yet. Thats a great indicator.
Interest rates couldnt be better. They havent been better than they are now, so not only can you buy a house at the same price you would have paid for that house in 2002, but you are going to get a significantly lower interest rate then it would have been then. Effectively a house today is going to cost you less than it would in 2002, with the interest rate and the home value being what they were. Now if property values do continue to increase and the average rate of 4%, your internal rate of return on your investment will increase exponentially.
One of the things that Dan Havey did say, and I kind of think you need to pound on this a couple of more times is this, you dont buy a house for you and your family as an investment, you buy a house because you want to live there, because you want to raise your family there, because its right for you. The investment part of it will come in time on its own. For now owning a home, owning that dirt, raising your family, making your new memories, is the best thing in our opinion that you can do.
Dan, why dont you take a minute and talk about the year over year numbers that you have. Well, there is a number of things I agree with you on Michael and one of the things I was really surprised by when I started looking at the numbers the other day is that since June of 2008, so 7 or 8 months ago, since then, year over year sales actually increased and in many cases have doubled. So lets just say for a specific example if there were 5,000 sales in Maricopa County in June of 2008 that would mean that there were 2,500 a year earlier, and so anytime you see an increase in sales year over year and especially when you see this big of an increase, 100% increase year over year for most all of the last 8 months, that is a huge indicator that the market is starting to recover. Now there are other factors as Michael said, the builders are not quite building yet, but I like the fact that there is the moratorium in many cases now on the foreclosures going through, and with the Mortgage Bailout Bill that came out today part of it was $75 Billion that they were going to throw at Fannie Mae, Freddie Mac, and all of the other lenders who received TARP funds to help modify loans.
One of the requirements is if the lender, Fannie, Freddie, or the servicer is working with the home owner they have to stop the foreclosure process, so hopefully what this is going to do is over the next six months its going to help out millions of people. I am not quite sure how they are going to get all of these loans done, there are an awful lot of people that need to have their loans modified, but even if they can just help some of these people to delay the foreclosure sale, help these people get their loans modified.
First off it is going to help keep people in their homes but the biggest thing from the standpoint of property values and first time home buyers is that its going to start taking some of that supply off the market there are going to be less repos out there for people to buy and because of that property values are going to begin to stabilize and quit dropping…
Duration : 0:5:43
Tax Credit for First Time Home Buyers, Government Mortgage Down Payment Assistance Program
First Time Home Buyer Tax Credit of $8000 thru Federal Loan Program and FHA Mortgage with Low Interest Rates and Fees. Low Down Payment to Purchase Bank Foreclosures. Go To http://RealEstateMarketingThisWeek.com
Part 1 (Excerpt)
Interest rates hit bottom, first time home buyers should buy before the prices go back up
We have a special guest back in the studio today. Dan Havey has been a great promoter for Velocity Financial . Dan and I have been working together for about 14 years now. Dan has brought with him some really, really interesting facts and figures for people who are wondering whats happening, wondering if we are at the bottom of the market, wondering how much further we are going to have to go. We are going to talk about lots of different things like that. Hes got some really good information, in my opinion some good stuff, some good solid data to make some good decisions about whether or not you should or should not buy right now.
So, Today was the official day that President Obamas Plan was rolled out. It was designed to help some 8 to 9 million homeowners, responsibly homeowners they called them, people who purchased homes at the peak of the real estate market with 20% or more down. The plan is just so darned convoluted, it is very complicated, people are calling wondering whats real, whats not real, whats going to happen. The bottom line is about 19% of all the homes were financed utilizing Fanny Mae or Freddie Mac financing. People, who have Fanny Mae or Freddie Mac loans, these conventional type loans, that put 20% down, that used full documentation, which means tax returns to qualify for the loan, those are the only people that are actually going to be helped with this program, and there are so many little caveats to it. I believe its not going to help nearly the number of people as intended. Its very unfortunate that its just not going to be as popular as we thought.
The other thing that people were hoping for, and we have heard this a lot that they are waiting for mortgage rates to get down to 4%, it is not going to happen. If you are out there ready to refinance but holding out waiting for rates to get back down to 4% you need to get off the fence and get something done now. The trend is upward, mortgage rates are going to go up, yes the Fed is buying mortgage backed securities so that should help a little bit. The reality of it is 4% is just not going to happen in this lifetime, so if you are in the middle of the process find something that works good for you and make it happen.
The other thing we are going to talk a lot about today is when rates do go down, which there very well may be a little dip in the next couple of weeks everyone tries to rush in and take advantage of that rate and thats not really what you should do. What you should do is get in with your lender and get the information to them now so they can start working on your loan, put your case together and have everything ready to go so if the rates do drop you will be ready to execute immediately. Interest rates are really good and we are going to spend a lot of time talking about interest rates and how to buy a home, first time home buyer programs and things like that today. But I just had to mention that I get this question all the time when can I lock in 4 and a half or 4%? Well there you go thats my prognostication I am certain that I am right but we will just have to see as time goes on…
Duration : 0:5:32
Down Payment Assistance Programs
Down Payment Assistance
Duration : 0:1:55
100% Financing is still Available !
Learn how you can get a home with no down payment. Learn the guidelines and how to qualify for zero down financing.
Duration : 0:2:0
Boost Your Credit Score by 135 Points
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Discover how to DELETE 30, 60, 90, 120, and even 150 day late-pays from your credit report virtually overnight!
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