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MORTGAGE LOANS Bad Credit Mortgage If you’re a first time home buyer, we offer a variety of loan programs to assist you in making your first time home purchase decision – even with bad credit problems or after bankruptcy. Bad Credit Home Equity Loan Our online application is the fastest and easiest way to apply for a home equity loan. We are dedicated to serving you with competitive rates and outstanding customer service – Regardless of Credit Problems we can get your home equity loan approved! Borrow up to 125% of your homes value and use the loan for any purpose. We offer low fixed interest rates. Bankruptcy or Bad Credit Problems, Ok! Complete our online application.Bad Credit Mortgage Refinance You can refinance your existing home mortgage to lower your interest rate, increase tax advantages, get a lower monthly payment, or simply get cash out for anything you need. Whatever your purpose, we have several mortgage refinance programs designed just for you – even with bad credit problems. Bad Credit 2nd Mortgage.Our goal is total customer satisfaction. Our business has been built through helping people with bad credit or bankruptcy get there second mortgages approved! Home Improvement Loan Whether you have bad credit or bankruptcy, we have a program to help get you’re Home Improvement Loan Approved! No Equity Required. We offer Special Home Improvement Loan Programs that are simple to get approved for. Have you been turned down form other loan companies? Completely Remodel your home or improve your Landscaping, Add a Swimming Pools & Spa, Need a New Roof? Time for a Deck, or New Carpet? You can do the work yourself or hire a contractor. Complete our online application. Manufactured Mobile Home Loans Want to buy a mobile home, but are afraid of being turned down for a loan because you have too much debt? We can help even if you have past bad credit problems or bankruptcy. With our manufactured mobile home loans, you may be able to get the money you need to buy a manufactured home and pay off debt! to learn more about this life changing offer, please visit our website at PrivateFastloans.com

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First Time Home Buyers use FHA Mortgage and Seller Paid Closing Costs to Buy Real Estate Now. Best Market Conditions for Foreclosures and Short Sales in Decades. Go To http://RealEstateMarketingThisWeek.com

Part 2 (Excerpt)

How having the Seller pay your closing costs can quadruple your money

On the other hand if you roll that into the loan it’s going to take you 160 months to break even on that. 160 months which is a little over 13 years, that is the antithesis of the Velocity of Money that we talk about on the show every week, so I am not convinced that its the right deal for the masses, but something that should be considered is what is the opportunity cost of taking the money out of Account X and the type of account you taking it out of has some impact too. If it’s from a brokerage account then you experience the market loss in that account and youre selling at these low price levels, I think the markets are going to turn and the opportunity costs over 160 months, youre talking about a substantial amount of money. And the additional mortgage payment is insignificant.

Obviously no one is going to allow you to pay more than the house is worth, that’s not what were suggesting. What were suggesting is merely to look at instead of simply making a lower offer than you would normally make, I’m suggesting that you consider the closing costs and what the real closing costs are in this example.

Assuming that the house is already attractively priced, one of the things that this buyer in this example should consider instead of making a lowball offer on a house that’s already priced rather attractively in this marketplace, it might make sense to consider exactly what you’re describing now. And that would be take that money or that difference and ask the seller to include those costs as part of the deal to sell the house, versus why lowball offer the house when you already know the house is the right price.

That’s exactly right and one of the other points here is in a lot of cases the closing costs dont need to be quite that high. So there is the opportunity for the home buyer to buy down, for instance, use 1% of the loan amount to buy the interest rate down. I did a calculation here today, the cost of funds changes all the time, in fact we had four price changes today. Four mortgage rate changes today, just in one day. This doesn’t apply in every scenario, but that’s why you use a certified mortgage planner, that’s why they use a FHA certified mortgage firm to do the loan to make sure that it’s the right thing to do but here’s the example of today. 1%, paying 1 point to buy the interest rate down will lower your mortgage payment, on this example of a $300,000 house, would lower your mortgage payment by $118 a month.

It’s not simple it’s not just like going to your local bank and having them give you a quote on the rate, there is so much more to it these days. I think that one of the things you’re pointing out right now is the fact that this type of negotiating exists and should be considered when making this purchase. And I know that you have already espoused that youre not a realtor in that sense, but your realtor should be talking to you about these options. If they are not, you may want to consider finding one who knows about that stuff.

They absolutely do and I’m not suggesting to anyone that they go out and find another realtor because yours is not working out for you. The reality of it is if your realtor doesn’t believe in the concept it may only be that they just don’t understand the concept. Have them give us a call, we can explain it to them. And I have simple illustrations we can share with them, how we would structure it financially, and they can, the realtor can set the price. That’s what their job is, but what our job is to make sure that you use every penny available to you to the best of your ability.

I have a question for you Brett, if you took $9000 and didnt take it out of your savings, 401K, or whatever, what will it turn into with today’s market? What would that be like?

Depending on the way the money is allocated, invested in a fixed income investment, or an interest-bearing account in a bank or whatever, what I can tell you is over the same amount of time, that $9000, over 160 months, youre probably talking about quadrupling the money. I would say that that is relatively easy and I’m not talking about taking on significant stock market risk. What I’m talking about is just compounding interest in some kind of interest-bearing account. I mean it could be a bank CD.

The other thing to do is we have this book called the Short Sale Playbook written by Ron Quinterro that we have available to anyone who is interested in it…

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Internet loans are provided to applicants, usually within 1 hour to 24 hours,because the lender can quickly approve your online application and then wire the cash to your checking or savings account so that you can get the money via an ATM machine or withdraw the money from your local bank. If you don’t have a checking or savings account, there is no way for the lender to get you the cash you need. So, it is advisable that you have a checking or savings account, in order to apply for a fast faxless internet loan. Need a fast loan of $550, $800, $900 or 2500 to avoid an Auto repossession? If you are facing an auto repossession, read carefully. Do not let it happen. Why? It is going to cost you more to have your car repossessed than if you use a fast cash advance loan to retain your car. A $2000 loan might only cost you $15 in fees but a repossession, which will involve hiring a service to tow your car and store it, might cost you hundreds of dollars in expenses accumulated during the repossession process. Keep in mind that once your car is repossessed you are still responsible for the balance between what the dealer sells the car for and what you owe. If the dealer can only sell the car for $5000 and your loan balance is $6000 – you will owe the dealer $1000 PLUS any other fees incurred during the auto repossession process. Facing an eviction? Need a loan? to learn more about all type of loans we cater please visit our website at PrivateFastLoans.com

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http://www.SeanLaRue.com
Your KEY To Moving Home!

100%?? What?? Is this really still available? Sean La Rue wants to make sure you have all the up-to-date information needed to buy a home in today’s market. First home buyer? No problem, Sean is an expert working with hundreds of families like you. Go to www.SeanLaRue.com to apply for a home loan today. By a home today with no money down. Images and Intro by Ian La Rue www.laruephoto.com Follow Sean @SeanLaRue … Call me Sean La Rue 760-835-5663

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916 S 690 E, Spanish Fork, UT 84660
Doug Wright
Wright Brothers Real Estate
http://www.ListYourHomeFor599.com
ZERO DOWN PAYMENT, Government Subsidy Loan available for this home. Plus an $8,000 Income Tax Credit is available for 2008 or 2009 taxes.

$1,581 a month*

*Based on 0% Utah Housing FHA loan with a note rate of 6.25% and an APR of 7.352% on the first mortgage and a note rate of 7.25% and an APR of 7.899% on the second mortgage OAC all loan quotes are estimates and subject to availability.

Equal Housing Lender

Price: $259,000
Bedrooms: 5
Bathrooms: 3
Sq Feet: 2712
Lot Size: .23
Year Built: 1996
# of Floors: 2
Garage Size: 2

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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

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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…

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Low $ down and $0 down payment loans are still available. Watch for the information you will need to get your low / $0 down mortgage and a free e-book of homes that qualify!

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