669 N 560 W, American Fork, UT 84003
ehomesbyowner.com
Wright Brothers Real Estate
http://www.ehomesbyowner.com
ZERO DOWN PAYMENT STILL AVAILABLE. Great family-sized home in a popular neighborhood in American Fork, near the Meadows shopping area. 2 family rooms, playground area.

ZERO DOWN PAYMENT FINANCING:
•Asking Price $259,000

•Down Payment 0%

•Monthly Payment $1,675*

*Based on 0% Down Payment FHA loan with a note rate of 6.29% and an APR of 6.93% on the first mortgage and a note rate of 7.29% and an APR of 7.64% on the second mortgage OAC all loan quotes are estimates and subject to availability.

Equal Housing Lender
MLS: 840373
Price: $259,000
Bedrooms: 3
Bathrooms: 2.5
Sq Feet: 2420
Lot Size: .23
Year Built: 1999
# of Floors: 3
Garage Size: 2

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Watch as a real-estate professional explains how to qualify for a home mortgage in this free online video for novice homebuyers.

Expert: John Jackson
Bio: John Jackson has years of experience and has put together a professional real estate team known as John Jackson & Associates.
Filmmaker: Ross Safronoff

Duration : 0:1:6

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First Time Home Buyer Mortgage Program with $8000 Tax Credit, Low Down Payment and Fixed Interest Rates on Government FHA Loans. Financing Assistance at Cheap Rates. Go To http://RealEstateMarketingThisWeek.com

Part 3 (Excerpt)

$8,000 tax credit the government is paying you to buy a home with a very low down payment

We have back in the studio today Mr. Dan Havey. Dan and I have worked together in the mortgage industry for about 14 years and we are happy to have him back. He has seen a lot of changes in the market and thanks again for being here.

Michael, here is a question I wanted to ask you, there is so much misconception in the marketplace today as far as what is still available for financing. I think a lot of people have this idea that it is impossible to finance a loan or get a mortgage or that you have to be able to put 20% down or have a 720 FICO score. Can you let people know whats really going on out there?

Well you know a lot of things have gone away. There are a lot of those old loan programs that were fancy ways to sell money and finance real property and a lot of thats gone. The reality of it is, if a person has a minimal amount of money down, there is absolutely financing through the Federal Housing Administration with 3.5% down. You can buy up to about $358,000 with only 3.5% down. Now with Fannie Mae and Freddie Mac, we actually do have a few investors that will allow us to only put 5% down with those and that loan amount maximum is $417,000. So there is still plenty of financing for primary residences.

Now in regard to looking at investment properties believe it or not there are actually still some stated income loans out there, but the stated income loan is for a non owner occupied property, the interest rates are very high and you know what, if you can put 20 to 25% down and prove your income you are better off using conventional financing, it is absolutely still available.

Now if you are a first time home buyer living in an apartment and you are getting kind of tired of it, you are looking at low interest rates, you are looking at the property values have come down over 50%, FHA is generally going to be the direction that person is going to want to go, right?

Absolutely and you know Dan with the $8000 first time home buyer tax credit you know that is a check that the government sends you for up to 10% of the sales price of the home up to $80,000. Its capped at 10%, you are not going to get more than $8,000 back and you may get less if you buy for less than $80,000, but whats really interesting about this is you can, if you have already filed your 2008 tax return, you can file a 1040X and get that credit sooner. You dont have to wait until April 15th of 2010 to get your tax credit. You put the money down today, close on the mortgage, move in, file your 1040x, there is a form that is called the 5405 but thats not all that important, and you can have that money back in your pocket right away.

So I know that was part of the plan that came out today and just to make it a little bit clearer for peoplelets just take an example. Lets say you buy yourself a $150,000 house and you buy it as an FHA, it doesnt really matter how much money down or how you buy the house but if you buy a $150,000 house, you are going to get an automatic $8,000 tax credit that you can take off of the taxes that you owe the government. So lets take an example where you are a W-2d employee and you pretty much break even at the end of the year, you dont owe the government any money and they dont owe you any money the government will actually write you a check for $8,000 for that tax credit and if you buy it this year you can amend your tax return for 2008 and get a check from the government for $8,000.

And thats not including the other tax write offs that you get for writing off the taxes on the house writing off the interest on the house, so again with a $150,000 house with 6% interest roughly you are going to be looking at another $10,000 worth of write offs on top of that. Now that is a write off not a tax credit, like the other one so you are going to save whatever your tax rate is. So lets say your tax rate is 30%, that is another $3,000 in taxes saved. So if you buy a house this year you are going to put an extra $11,000 in your pocket.

So if you buy a $150,000 house and you have to put 3.5% down, Thats what? Lets just say roughly $5,000, you just made $6,000 and you get to own a house. ($11,000 tax savings minus $5,000 down payment) And your mortgage payment is more than likely less than or equal to what you are paying for rent and you own it.

Exactly and you get the benefits of having your own house…

Duration : 0:6:14

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2601 Old Steele Creek, Charlotte, NC 28208
Leigh Brown
RE/MAX Signature Properties
http://www.charlotterealestatevoice.com
MLS: 862493
Price: $81,900
Bedrooms: 3
Bathrooms: 1.5
Sq Feet: 1200
Lot Size: .18
Year Built: 1960
# of Floors: 1

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Does it look like your home is not keeping up to date or up to the proper standards that you wanted it to be? Well, probably it is time to repair it and make the necessary adjustments. Renovation sometimes could take up more money than you would expect it to be. Sometimes it cost you as much as it did to build the house. Do you at least need to worry about such circumstances with the help of renovation financing?.

Getting renovation financing is not all about collecting money and spending it on every aspect of the house. Aspects which you can handle by your own without any financial help by a third party should be identified. Calculating and assessing the amount of repairing to be done prior to a renovation financing is essential to make the best out of the plan. Getting a too much of unnecessary assistance would mean you will have to bear up a larger monthly repayment. Always keep the lender on exactly what you need and nothing more than that.

Many online renovation financing websites are available these days with the increase amount of popularity in the field. The convenience of committing the business online will make your job to find a lender that much easier. Save your money ant time by choosing the best plan online through many websites.

Just because you do not have enough cash it isn’t fair to keep your house in bad conditions. It isn’t fair for your children, and it isn’t safe anymore. A trusted renovation financing could well be the savior for you. With lenders becoming smarter and smarter it is essential that you educate yourself on renovation financing before jumping in to one. This will save both time and money for you. An online website will also give you a helping hand to determine the kind of plan you need to carry on the repairing.

Fulfill your dreams of a safer and a more beautiful house by searching online for a better renovations financing assistance. This will make sure to give a better future for your house, giving it a longer lifespan.

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Purchasing a brand new house or renovating your old one is both going to cost you a lot and you know it. Not everyone can afford to pay for these expenses straight out of their pocket. This is why many people have started searching for home financing solutions, because no matter what your income level may be, there is always some lender who would be willing to help you out with some good home financing.

Being hasty in your decision to get home financing is not going to get you anywhere. There are certain things to be considered before choosing an option. One would be to consider the time period of your home financing loan. Are you in need of a home financing loan for a longer period? If so, you interest rate will definitely be high.

There are two different types of home financing loans one could get. They are the secured and unsecured types of loans. Unsecured loans are not given against an individual’s property but by checking their credit rating. If your housing project is something small, it would be better to opt for this home financing solution.  

Secured loans are different from the unsecure loans. These loans are granted against an individual’s property or other assets they may have. The danger behind these type of secured loans is that when the lender notes that you have a habit of not making the payments on time, the likelihood of your assets being seized is very much higher.

In addition, there are various other types of home financing solutions such as home improvement mortgage refinance and home equity loans. If you want home financing for the renovation of your house, getting a home improvement mortgage refinance is better as the loan is given at a fixed rate. The repayment period can be taken for 20 years or more.

Home equity loans are given against the equity of one’s home. When this type of home financing is selected, a lump sum is given as payment for the renovation of your house. Once again, you have a risk of losing your home if repayments are not done on time.

Before checking on home financing solutions, you ought to have a rough idea about your final costs such as the costs associated with the renovation. Always make sure you can afford the repayments. You obviously don’t want to end up in more financial trouble. Getting your loan could be easy if you keep the above in mind.

After reading this article, you will be interested in finding more other the author’s information. You can check out them on lateral file cabinets and file storage cabinets sites.

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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

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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

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http://www.realcase.com FREE help on a personal debt consolidation program, plus advice on private bad credit lenders, information on private bad credit lenders & debt consolidation non profit.

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