Sales Concessions and Seller Paid Closing Costs on Home Purchase - 01/24/12 04:18 PM
Sales Concessions and Seller Paid Closing Costs on Home Purchase   Seller-paid concessions, when used properly, can mean the difference between closing a home sale and losing one.A concession is anything of value added to the transaction by the seller, builder, developer, salesperson or any interested party. A concession may also include any closing costs that would normally be paid by the buyer or cash given to the buyer to lower non-housing debts.Funds received from a relative to assist with a home purchase, or cash contributed from an employer as part of a corporate transfer are not considered seller concessions. These … (1 comments)

NEED A REVERSE MORTGAGE IN ALABAMA? - 01/11/12 03:30 PM
 If you are a senior 62 years or older, you may qualify for a Reverse Mortgage. If your home is paid in full, OR if you have equity in your home this may be the answer to your prayers. NO Monthly Payments NO Credit Report NO Employment Qualifications NO Medical Qualification NO Income Requirements NO Asset Verification NO Recourse NO Tax or Insurance Escrows NO Restrictions on Use of Funds If you would like more information on Reverse Mortgage, please contact me at 205-995-7283 x 305 or email me at valerie.springer@nflp.com I will be happy to answer your questions and show … (1 comments)

CONVENTIONAL MORTGAGE LOANS IN ALABAMA - 01/11/12 03:27 PM
<!-- google_ad_section_start(name=default) --> Wednesday, January 11, 2012 CONVENTIONAL MORTGAGE LOANS IN ALABAMA   If you are purchasing or refinancing a home in Alabama you have several different loan products available to you if you qualify. Today I am going to talk about Conventional Mortgage Loan for Purchase and Refinance.A Conventional Loan is really the "Cream of the Crop". In most situations they are for folks who have excellent credit, 5% or more for a down-payment and assets.What is considered excellent credit? By today's standard an excellent credit score is considered to be 740 or higher. Credit scoring models go up to … (0 comments)

 
Valerie Springer, Home Loan Officer AL FHA, VA, Conventional and Reverse Mortga (Network Funding Residential Mortgage NMLS 2297) Rainmaker_large

Valerie Springer, Home Loan Officer AL FHA, VA, Conventional and Reverse Mortga

Birmingham, AL

More about me…

Network Funding Residential Mortgage NMLS 2297

Address: 248 Inverness Center Drive, Birmingham, AL, 35242

Office Phone: (205) 995-7283 x 305

Cell Phone: (205) 746-1284

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