Brent Kluge's 203K & HomePath Renovation Blog

FHA 203k - Washington DC - ZERO FEE LOAN!!

Tue, 27 Dec 2011 08:42:40 -0800

FHA 203k Loans - Washington DC, and surrounding areas.

You are in my backyard! SO??? You get a "backyard discount".

Catch? :

'Loan Amount' must be above $300,000.00
Must be a renovation loan.
You must settle on this loan in order to receive a complete "Lender Credit" equal to all charges my company would typically charge.

YOU LITERALLY GET THIS LOAN WITH ZERO LENDER FEE!!!

Call today before the program is GONE! ;)

Brent Kluge

Cell: 410.591.8300

Fax: 888.557.5271

info@203kworld.com

www.203kworld.com

How to make an offer on an "As-Is" property.

Fri, 23 Dec 2011 08:07:01 -0800

203K World - FHA 203K

How to make an offer on an "As-Is" property.

Situation:

You found a home in the neighborhood you would love. The lot is perfect and the house is great, except, once you get inside, you see it has the kitchen ripped out, the HVAC was taken out of the home and there is a MOLD EXPERIMENT in the basement that would make the local botanist club jealous. What do you do?

Questions:

How do I really know what's wrong with the house - More wrong than just what I can see?
How much will it cost to fix it?
How do I come up with a proper offer price, if I don't know how much it will cost to fix???

These are all legitimate questions buyers face today all throughout the country. Just "HOW" do I make an offer on this home, where My INTERESTS ARE PROTECTED and I DON'T PAY TOO MUCH???

Solution:

Do a complete BALLPARK on the estimate. If you know a friend who is a contractor, perhaps your agent has someone in mind, ask your lender... SOMEONE will know how to do this estimate. (If you can't find anyone, make the list of ballpark repairs and send them to me - I will give you a basic estimate). We EXPECT this number to change.
Ask your Agent to do a CMA (Comparative Market Analysis) for the home as completely renovated and in great condition. You want to know the value when fixed to your standards!
Follow the Math Below:

Example

CMA - Value When Completed $400,000.00

10% Acquisition (estimated) - $ 40,000.00

Renovation Estimate - $ 50,000.00

Expected Equity ( See below) - $ 40,000.00

_________________________________________________________

Offer Price $ 270,000.00

* These are all variables and can be adjusted to your specific area

"Expected Equity" - This is the amount of Equity (also known as "Sweat Equity") you would hope to gain by buying a less than perfect place and doing the renovation yourself. There is a risk with buying an "As-Is" property, there is work to do, WHY PAY FOOL PRICE??? If you would, just buy something turn-key and ready to move into, where you could hold the seller responsible for repairs of any deficiencies.

CONTRACT TERMS:

"Inspection Contingency" - It's better to give yourself more time to do inspections, rather than rush the process. 14 days is MINIMUM, 21 days best. You don't want to specify multiple/itemized inspections. This makes the asset managers nervous (Lead paint, mold, well/septic, termite, mechanical, environmental, etc...). Better to just use a catch all phrase and this covers you, " Buyer will have the right to do any necessary inspections during said Contingency Period".
OUT - Ensure you have the option to withdraw the offer/contract for any reason during the Contingency Period with the right to have your Earnest Money Deposit fully refunded.
FHA Amendatory Clause - Must use FHA Addendum, however with the renovation loan, you can't fill in the sales price in the typical blank space. This basically says so long as the home appraises for the sales price, you (and FHA) are okay with this. This is not the case. It must appraise for Sales price + Renovation. Best option is to strike the Amendatory Clause from the FHA Addendum.

OUTS / WHAT IF'S ?? :

What if the renovations are more than we expected after we do our inspections/estimates for repairs?

If this is the case, you will have the reports to substantiate your claims of the deficiencies AND you can re-negotiate your price lower, based on your findings. To what number??? Easy, just use formula again, with the actual renovation amount.

What if the repairs are MAJOR (structural, environmental, bad well/septic, etc...) and more than we bargained for?

So long as your discoveries are during your "Inspection Contingency" per your contract offer, you can withdraw your offer for any reason and have your Earnest Money returned. (assuming your contract was written so).

What if I can't find a contractor to do the work in time? - Clock is ticking on your contingency. YOU MUST get started with your inspections as SOON as you hear word of your contract acceptance. Start lining up contractors for vetting ahead of time. REMEMBER - If you go beyond the contingency period, you LOSE YOUR HAMMER and can't withdraw for any reason.

CLOSING:

This isn't a perfect system, and doesn't apply to all circumstance, however, this will get your close on your offer, with all the unknowns you are dealing with. If you have any questions, just give me a ring. I would be happy to assist!

GO OUT, buy houses, make equity, enjoy your life! It's much too short. ;)

Brent Kluge

Cell: 410.591.8300

Fax: 888.557.5271

info@203kworld.com

www.203kworld.com

FHA 203K Loans - Hawaii - All Islands

Fri, 30 Sep 2011 05:18:37 -0700

Your FHA 203k Specialist.

* Full 203K Loans

* Streamline FHA 203ks

* Repair Escrows

* Draw checks in 24 Hours.

* You may qualify for our "Free-k" loan, with ZERO fees

* Lowest Interest Rates available on renovation loans.

Brent Kluge

Cell: 410.591.8300

Fax: 888.557.5271

info@203kworld.com

www.203kworld.com

VA Funding Fee CHANGES **** Effective October 1, 2011

Tue, 20 Sep 2011 17:26:31 -0700

Subject: VA Changes

September 22, 2011 Inside Lending Bulletin

VA Funding Fee Changes Effective October 1, 2011

Vets and Reserves/National Guard will get a significant benefit October 1st. Check the chart below to see how much they’ll save in fees. We hope this helps you help our military folks become homeowners!

If you have any questions about this or a specific situation, please don’t hesitate to email or call.

Thank you.

visit my website email me now
	Brent Kluge Mortgage Banker 1954 Greenspring Drive, Suite 625 Timonium, MD 21093 Office: 800.330.1330 Direct: 410.427.0588 Mobile: 410.591.8300

Terms and conditions apply; Rates subject to change. As always, please consult your tax advisor.
This e-mail is an advertisement that was sent to you because of your relationship with Brent Kluge. The material provided is for informational and educational purposes only and should not be construed as investment and/or mortgage advice. Although the material is deemed to be accurate and reliable, there is no guarantee of its accuracy. The material contained in the newsletter is copywritten by PrimeLending, A PlainsCapital Company and cannot be reproduced for any use without prior written consent. PrimeLending, A PlainsCapital Company is an Equal Housing Lender. © 2011 PrimeLending, A PlainsCapital Company. Trade/service marks are the property of PlainsCapital Corporation, PlainsCapital Bank, or their respective affiliates and/or subsidiaries. Some products may not be available in all states. This is not a commitment to lend. Restrictions apply. All rights reserved. PrimeLending, A PlainsCapital Company (NMLS no: 13649) is a wholly-owned subsidiary of a state-chartered bank and is an exempt lender in the following states: AK, AR, CO, DE, FL, GA, HI, ID, IA, KS, KY, LA, MN, MS, MO, MT, NE, NV, NY, NC, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WV, WI, WY. Licensed by: AL State Banking Dept.- consumer credit lic no. MC21004; AZ Dept. of Financial Institutions- mortgage banker lic no. BK 0907334; Licensed by the Department of Corporations under the California Residential Mortgage Lending Act- lender lic no. 4130996; CT Dept. of Banking- lender lic no. ML-13649; D.C. Dept. of Insurance, Securities and Banking- dual authority lic no. MLO13649; IL Dept. of Financial and Professional Regulation- lender lic no. MB.6760635; IN Dept. of Financial Institutions- sub lien lender lic no. 11169; ME Dept. of Professional & Financial Regulation- supervised lender lic no. SLM8285; MD Dept. of Labor, Licensing & Regulation- lender lic no. 11058; Massachusetts Division of Banking– lender & broker license nos. MC5404, MC5406, MC5414, MC5450, MC5405; MI Dept. of Labor & Economic Growth- broker/lender lic nos. FR 0010163 and SR 0012527; Licensed by the New Hampshire Banking Department- lender lic no. 14553-MB; NJ Dept. of Banking and Insurance-lender lic no. 0803658; NM Regulation and Licensing Dept. Financial Institutions Division- lender license no. 01890; ND Dept. of Financial Institutions- money broker lic no. MB101786; RI Division of Banking- lender lic no. 20102678LL and broker lic no. 20102677LB; TX OCCC Reg. Loan License- lic no. 7293; VT Dept. of Banking, Insurance, Securities and Health Care Administration- lender lic no. 6127 and broker lic no. 0964MB; WA Dept. of Financial Institutions-consumer lender lic no. 520-CL-49075. PrimeLending, A PlainsCapital Company is an Equal Housing Opportunity Lender. NMLS #330566

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Brent Kluge

Cell: 410.591.8300

Fax: 888.557.5271

info@203kworld.com

www.203kworld.com

Due Diligence or Do the Contract???

Mon, 12 Sep 2011 08:27:44 -0700

When you represent a buyer and they are interested in offering on an "As-Is" property, should you do your inspections to figure out what is wrong first, or just make an AS-IS offer?

This is the quandary...

All too often, I hear this question and the answer is... THE BUYER WILL DICTATE.

I would advise you to counsel your buyer that there are two main options:

1. Do inspections/estimates before making your offer.
2. Make the offer and contractually, give yourself some time to do your due diligence.

Lets look at some of the PROS / CONS of each:

Option 1: Do Inspections/Estimates before making your offer

"How can I make an offer on a house when we have no idea what is wrong with it?" Tough one to answer. In this environment, there is an abundance of foreclosed properties in some form of disarray. The BPO that was done set the price very close to the value of a property in great condition, so we know not to offer that much, but just HOW MUCH LESS?

You start your battery of inspections:

Home Inspection
FHA 203k Consultant or Project consultant
Termite
Radon
Well/septic
Structural
Mold
Mechanical (Electric,plumbing,hvac)
Contractor (you want to get some estimates to know how much someone would charge to remedy these issues)

Do some quick math and just figure out how much money you spent and time for all parties involved... INCLUDING THE AGENT, opening the doors!

Option 2: Make the offer and contractually, give yourself some time to do your due diligence.

All contracts have some form of an "AS-IS" addendum. This says Buyer is buying the home AS-IS and has the right to do all necessary inspections for ____ amount of days after contract ratification. Additionally, I would look for language that gives the buyer the right to withdraw from the contract with no recourse, during this contingency period, and have all earnest money returned.

In this example, my advice would be to ASK for at LEAST 14 days, and if the property is unique (multi-unit, known major deficiencies), I would ask for 20 day contingency period. You will find most asset managers want to counter with a smaller time frame, sometimes 7 or 10 days. Just know, if you don't have a chance to fully do your due diligence, you can do an addendum that extends the contingency for that specific inspection item.

PROS / CONS:

Option 1:

PROS

You have a thorough knowledge of what needs to be repaired to make an completely educated offer.
Project planning is completed upfront, so you are ahead of the curve - could settle sooner (30 days).
You have inspection reports to submit with your offer to justify a lower sales price.

CONS

Seller not likely to cooperate (turn on utilities, de-winterize).
NO GUARANTEE you will get ratified - Wasted time, inspections, money - VERY frustrating.
Wasting time - While doing all these inspections, another offer could come in and you are out.

Option 2:

PROS

You're not spending time/money without being under contract - No chance of someone else getting the contract / A LOT LESS times agent has to open the doors!
Seller more likely to cooperate with inspections - Utilities on, disclosure, allowing specific inspections.
You can "RE-NEGOTIATE" a lower offer price and substantiate with inspection reports - NOW known issues are material fact!

CONS

You are under the clock - GET THE INSPECTIONS STARTED IMMEDIATELY!
Lots of moving parts required in a short period of time - Be prepared, Plan, Communicate, Set Expectations BEFORE you are ratified.
Contractually, a slightly "weaker" offer in the eyes of the asset managers compared to another offer with ZERO inspections or Cash AS-IS offer.

Moral of the story:

In my experience, Option 2 seems to have worked best for all parties involved, however, you must never forget : REPRESENT YOUR CLIENT - PROTECT YOURSELF!

INFORM THEM OF THE OPTIONS AND LET THE CLIENT CHOOSE!

Go buy houses, renovate, make equity, enjoy life! :)

b

Brent Kluge

Cell: 410.591.8300

Fax: 888.557.5271

info@203kworld.com

www.203kworld.com

October 1st New Loan Limits - What to Expect!!!

Thu, 01 Sep 2011 16:03:30 -0700

Subject: New Loan Limit Info

Unless Congress makes a last minute change here’s what to expect this October 1st.

Click Here for 2011 Counties At And Above Loan Limit Ceiling

Click Here for 2011 Counties Between Loan Limit Ceiling

FHA LOANS

Please refer to the attached charts to see the new limits by county.

CONVENTIONAL LOANS

The “standard-agency” loan limits are not changing:

1 Family: $417,000
2 Family: $533,850
3 Family: $645,300
4 Family: $801,950

The “high balance” loan limits are dropping from $729,750 (single family) to:

1 Family: $625,500
2 Family: $800,775
3 Family: $967,950
4 Family: $1,202,925

FNMA uses the FHA chart to determine what county is eligible for high–balance (see attached charts)

To determine if a property is eligible for conventional “high balance” you need to look at the FHA County list.

Hope this helps you understand the changes and as always please call or email us with any questions regarding a specific situation.

Thanks!

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	<!-- set name and title font in this span tag --> Brent Kluge Mortgage Banker <!-- set name and title font in this span tag --><!-- set address and contact info font in this span tag -->1954 Greenspring Drive, Suite 625 Timonium, MD 21093 Office: 800.330.1330 Direct: 410.427.0588 Mobile: 410.591.8300

Brent Kluge

Cell: 410.591.8300

Fax: 888.557.5271

info@203kworld.com

www.203kworld.com

FHA 203K Loan / Lender - Smooth Transaction Guarantee! Fair Lawn, New Jersey

Thu, 01 Sep 2011 14:24:22 -0700

FHA 203K Loan / Lender - Smooth Transaction Guarantee! - Fair Lawn, New Jersey

Brent Kluge & Group is the leading FHA 203K lender in the Mid Atlantic for a reason... Service!
What you get when you finance your FHA 203k renovation project with Brent & Team:

16 Years of Renovation Mortgage Finance
Communication & Clarity on Process, Costs and Expectations
Experience looking out for your best interests throughout the entire process
We check your renovation numbers to ensure you are NOT being overcharged!
Brent Calls Balls/Strikes with all parties to PROTECT YOUR INTERESTS.

Check out Brent's website for further details:

Check Out our list of Satisfied Customers and what they have to say about Brent Kluge & Group.

The FHA 203K mortgage requires action early in the process to set the stage for proper transaction flow...

A phone call for a discussion about your project costs nothing... but you could save thousands.

Brent Kluge

Cell: 410.591.8300

Fax: 888.557.5271

info@203kworld.com

www.203kworld.com

FHA 203K Loan / Lender - Smooth Transaction Guarantee! Ewing, New Jersey

Thu, 01 Sep 2011 14:17:33 -0700

FHA 203K Loan / Lender - Smooth Transaction Guarantee! - Ewing, New Jersey

Brent Kluge & Group is the leading FHA 203K lender in the Mid Atlantic for a reason... Service!
What you get when you finance your FHA 203k renovation project with Brent & Team:

16 Years of Renovation Mortgage Finance
Communication & Clarity on Process, Costs and Expectations
Experience looking out for your best interests throughout the entire process
We check your renovation numbers to ensure you are NOT being overcharged!
Brent Calls Balls/Strikes with all parties to PROTECT YOUR INTERESTS.

Check out Brent's website for further details:

Brent Kluge

Cell: 410.591.8300

Fax: 888.557.5271

info@203kworld.com

www.203kworld.com

FHA 203K Loan / Lender - Smooth Transaction Guarantee! Englewood, New Jersey

Thu, 01 Sep 2011 14:14:27 -0700

FHA 203K Loan / Lender - Smooth Transaction Guarantee! - Englewood, New Jersey

Brent Kluge & Group is the leading FHA 203K lender in the Mid Atlantic for a reason... Service!
What you get when you finance your FHA 203k renovation project with Brent & Team:

16 Years of Renovation Mortgage Finance
Communication & Clarity on Process, Costs and Expectations
Experience looking out for your best interests throughout the entire process
We check your renovation numbers to ensure you are NOT being overcharged!
Brent Calls Balls/Strikes with all parties to PROTECT YOUR INTERESTS.

Check out Brent's website for further details:

Brent Kluge

Cell: 410.591.8300

Fax: 888.557.5271

info@203kworld.com

www.203kworld.com

FHA 203K Loan / Lender - Smooth Transaction Guarantee! East Orange, New Jersey

Thu, 01 Sep 2011 14:08:43 -0700

FHA 203K Loan / Lender - Smooth Transaction Guarantee! - East Orange, New Jersey

Brent Kluge & Group is the leading FHA 203K lender in the Mid Atlantic for a reason... Service!
What you get when you finance your FHA 203k renovation project with Brent & Team:

16 Years of Renovation Mortgage Finance
Communication & Clarity on Process, Costs and Expectations
Experience looking out for your best interests throughout the entire process
We check your renovation numbers to ensure you are NOT being overcharged!
Brent Calls Balls/Strikes with all parties to PROTECT YOUR INTERESTS.

Check out Brent's website for further details:

Brent Kluge

Cell: 410.591.8300

Fax: 888.557.5271

info@203kworld.com

www.203kworld.com

FHA 203K Loan / Lender - Smooth Transaction Guarantee! East Brunswick, New Jersey

Thu, 01 Sep 2011 14:04:23 -0700

FHA 203K Loan / Lender - Smooth Transaction Guarantee! - East Brunswick, New Jersey

Brent Kluge & Group is the leading FHA 203K lender in the Mid Atlantic for a reason... Service!
What you get when you finance your FHA 203k renovation project with Brent & Team:

16 Years of Renovation Mortgage Finance
Communication & Clarity on Process, Costs and Expectations
Experience looking out for your best interests throughout the entire process
We check your renovation numbers to ensure you are NOT being overcharged!
Brent Calls Balls/Strikes with all parties to PROTECT YOUR INTERESTS.

Check out Brent's website for further details:

Brent Kluge

Cell: 410.591.8300

Fax: 888.557.5271

info@203kworld.com

www.203kworld.com

FHA 203K Loan / Lender - Smooth Transaction Guarantee! Cranford, New Jersey

Thu, 01 Sep 2011 13:59:18 -0700

FHA 203K Loan / Lender - Smooth Transaction Guarantee! - Cranford, New Jersey

Brent Kluge & Group is the leading FHA 203K lender in the Mid Atlantic for a reason... Service!
What you get when you finance your FHA 203k renovation project with Brent & Team:

16 Years of Renovation Mortgage Finance
Communication & Clarity on Process, Costs and Expectations
Experience looking out for your best interests throughout the entire process
We check your renovation numbers to ensure you are NOT being overcharged!
Brent Calls Balls/Strikes with all parties to PROTECT YOUR INTERESTS.

Check out Brent's website for further details:

Brent Kluge

Cell: 410.591.8300

Fax: 888.557.5271

info@203kworld.com

www.203kworld.com

FHA 203K Loan / Lender - Smooth Transaction Guarantee! Cliffside Park, New Jersey

Thu, 01 Sep 2011 13:55:32 -0700

FHA 203K Loan / Lender - Smooth Transaction Guarantee! - Cliffside Park, New Jersey

Brent Kluge & Group is the leading FHA 203K lender in the Mid Atlantic for a reason... Service!
What you get when you finance your FHA 203k renovation project with Brent & Team:

16 Years of Renovation Mortgage Finance
Communication & Clarity on Process, Costs and Expectations
Experience looking out for your best interests throughout the entire process
We check your renovation numbers to ensure you are NOT being overcharged!
Brent Calls Balls/Strikes with all parties to PROTECT YOUR INTERESTS.

Check out Brent's website for further details:

Brent Kluge

Cell: 410.591.8300

Fax: 888.557.5271

info@203kworld.com

www.203kworld.com

FHA 203K Loan / Lender - Smooth Transaction Guarantee! Carteret, New Jersey

Thu, 01 Sep 2011 13:51:53 -0700

FHA 203K Loan / Lender - Smooth Transaction Guarantee! - Carteret, New Jersey

Brent Kluge & Group is the leading FHA 203K lender in the Mid Atlantic for a reason... Service!
What you get when you finance your FHA 203k renovation project with Brent & Team:

16 Years of Renovation Mortgage Finance
Communication & Clarity on Process, Costs and Expectations
Experience looking out for your best interests throughout the entire process
We check your renovation numbers to ensure you are NOT being overcharged!
Brent Calls Balls/Strikes with all parties to PROTECT YOUR INTERESTS.

Check out Brent's website for further details:

Brent Kluge

Cell: 410.591.8300

Fax: 888.557.5271

info@203kworld.com

www.203kworld.com

FHA 203K Loan / Lender - Smooth Transaction Guarantee! Bridgeton, New Jersey

Thu, 01 Sep 2011 13:45:18 -0700

FHA 203K Loan / Lender - Smooth Transaction Guarantee! - Bridgeton, New Jersey

Brent Kluge & Group is the leading FHA 203K lender in the Mid Atlantic for a reason... Service!
What you get when you finance your FHA 203k renovation project with Brent & Team:

16 Years of Renovation Mortgage Finance
Communication & Clarity on Process, Costs and Expectations
Experience looking out for your best interests throughout the entire process
We check your renovation numbers to ensure you are NOT being overcharged!
Brent Calls Balls/Strikes with all parties to PROTECT YOUR INTERESTS.

Check out Brent's website for further details:

Brent Kluge

Cell: 410.591.8300

Fax: 888.557.5271

info@203kworld.com

www.203kworld.com

FHA 203K Loan / Lender - Smooth Transaction Guarantee! Bloomfield, New Jersey

Thu, 01 Sep 2011 13:40:08 -0700

FHA 203K Loan / Lender - Smooth Transaction Guarantee! - Bloomfield, New Jersey

Brent Kluge & Group is the leading FHA 203K lender in the Mid Atlantic for a reason... Service!
What you get when you finance your FHA 203k renovation project with Brent & Team:

16 Years of Renovation Mortgage Finance
Communication & Clarity on Process, Costs and Expectations
Experience looking out for your best interests throughout the entire process
We check your renovation numbers to ensure you are NOT being overcharged!
Brent Calls Balls/Strikes with all parties to PROTECT YOUR INTERESTS.

Check out Brent's website for further details:

Brent Kluge

Cell: 410.591.8300

Fax: 888.557.5271

info@203kworld.com

www.203kworld.com

FHA 203K Loan / Lender - Smooth Transaction Guarantee! Bergenfield, New Jersey

Thu, 01 Sep 2011 13:33:12 -0700

FHA 203K Loan / Lender - Smooth Transaction Guarantee! - Bergenfield, New Jersey

Brent Kluge & Group is the leading FHA 203K lender in the Mid Atlantic for a reason... Service!
What you get when you finance your FHA 203k renovation project with Brent & Team:

16 Years of Renovation Mortgage Finance
Communication & Clarity on Process, Costs and Expectations
Experience looking out for your best interests throughout the entire process
We check your renovation numbers to ensure you are NOT being overcharged!
Brent Calls Balls/Strikes with all parties to PROTECT YOUR INTERESTS.

Check out Brent's website for further details:

Brent Kluge

Cell: 410.591.8300

Fax: 888.557.5271

info@203kworld.com

www.203kworld.com

FHA 203K Loan / Lender - Smooth Transaction Guarantee! Belleville, New Jersey

Thu, 01 Sep 2011 13:27:26 -0700

FHA 203K Loan / Lender - Smooth Transaction Guarantee! - Belleville, New Jersey

Brent Kluge & Group is the leading FHA 203K lender in the Mid Atlantic for a reason... Service!
What you get when you finance your FHA 203k renovation project with Brent & Team:

16 Years of Renovation Mortgage Finance
Communication & Clarity on Process, Costs and Expectations
Experience looking out for your best interests throughout the entire process
We check your renovation numbers to ensure you are NOT being overcharged!
Brent Calls Balls/Strikes with all parties to PROTECT YOUR INTERESTS.

Check out Brent's website for further details:

Brent Kluge

Cell: 410.591.8300

Fax: 888.557.5271

info@203kworld.com

www.203kworld.com

FHA 203K Loan / Lender - Smooth Transaction Guarantee! Bayonne, New Jersey

Thu, 01 Sep 2011 13:22:41 -0700

FHA 203K Loan / Lender - Smooth Transaction Guarantee! - Bayonne, New Jersey

Brent Kluge & Group is the leading FHA 203K lender in the Mid Atlantic for a reason... Service!
What you get when you finance your FHA 203k renovation project with Brent & Team:

16 Years of Renovation Mortgage Finance
Communication & Clarity on Process, Costs and Expectations
Experience looking out for your best interests throughout the entire process
We check your renovation numbers to ensure you are NOT being overcharged!
Brent Calls Balls/Strikes with all parties to PROTECT YOUR INTERESTS.

Check out Brent's website for further details:

Brent Kluge

Cell: 410.591.8300

Fax: 888.557.5271

info@203kworld.com

www.203kworld.com

FHA 203K Loan / Lender - Smooth Transaction Guarantee! Atlantic City, New Jersey

Thu, 01 Sep 2011 13:11:33 -0700

FHA 203K Loan / Lender - Smooth Transaction Guarantee! - Altlantic City, New Jersey

Brent Kluge & Group is the leading FHA 203K lender in the Mid Atlantic for a reason... Service!
What you get when you finance your FHA 203k renovation project with Brent & Team:

16 Years of Renovation Mortgage Finance
Communication & Clarity on Process, Costs and Expectations
Experience looking out for your best interests throughout the entire process
We check your renovation numbers to ensure you are NOT being overcharged!
Brent Calls Balls/Strikes with all parties to PROTECT YOUR INTERESTS.

Check out Brent's website for further details:

Brent Kluge

Cell: 410.591.8300

Fax: 888.557.5271

info@203kworld.com

www.203kworld.com

FHA 203K Loan / Lender - Smooth Transaction Guarantee! Brick Township, New Jersey

Thu, 01 Sep 2011 12:59:11 -0700

FHA 203K Loan / Lender - Smooth Transaction Guarantee! - Brick Township, New Jersey

Brent Kluge & Group is the leading FHA 203K lender in the Mid Atlantic for a reason... Service!
What you get when you finance your FHA 203k renovation project with Brent & Team:

16 Years of Renovation Mortgage Finance
Communication & Clarity on Process, Costs and Expectations
Experience looking out for your best interests throughout the entire process
We check your renovation numbers to ensure you are NOT being overcharged!
Brent Calls Balls/Strikes with all parties to PROTECT YOUR INTERESTS.

Check out Brent's website for further details:

Brent Kluge

Cell: 410.591.8300

Fax: 888.557.5271

info@203kworld.com

www.203kworld.com

FHA 203K Loan / Lender - Smooth Transaction Guarantee! Camden, New Jersey

Thu, 01 Sep 2011 12:55:25 -0700

FHA 203K Loan / Lender - Smooth Transaction Guarantee! - Camden, New Jersey

Brent Kluge & Group is the leading FHA 203K lender in the Mid Atlantic for a reason... Service!
What you get when you finance your FHA 203k renovation project with Brent & Team:

16 Years of Renovation Mortgage Finance
Communication & Clarity on Process, Costs and Expectations
Experience looking out for your best interests throughout the entire process
We check your renovation numbers to ensure you are NOT being overcharged!
Brent Calls Balls/Strikes with all parties to PROTECT YOUR INTERESTS.

Check out Brent's website for further details:

Brent Kluge

Cell: 410.591.8300

Fax: 888.557.5271

info@203kworld.com

www.203kworld.com

FHA 203K Loan / Lender - Smooth Transaction Guarantee! Clifton, New Jersey

Thu, 01 Sep 2011 12:50:51 -0700

FHA 203K Loan / Lender - Smooth Transaction Guarantee! - Clifton, New Jersey

Brent Kluge & Group is the leading FHA 203K lender in the Mid Atlantic for a reason... Service!
What you get when you finance your FHA 203k renovation project with Brent & Team:

16 Years of Renovation Mortgage Finance
Communication & Clarity on Process, Costs and Expectations
Experience looking out for your best interests throughout the entire process
We check your renovation numbers to ensure you are NOT being overcharged!
Brent Calls Balls/Strikes with all parties to PROTECT YOUR INTERESTS.

Check out Brent's website for further details:

Brent Kluge

Cell: 410.591.8300

Fax: 888.557.5271

info@203kworld.com

www.203kworld.com

FHA 203K Loan / Lender - Smooth Transaction Guarantee! Trenton, New Jersey

Thu, 01 Sep 2011 12:47:24 -0700

FHA 203K Loan / Lender - Smooth Transaction Guarantee! - Trenton, New Jersey

Brent Kluge & Group is the leading FHA 203K lender in the Mid Atlantic for a reason... Service!
What you get when you finance your FHA 203k renovation project with Brent & Team:

16 Years of Renovation Mortgage Finance
Communication & Clarity on Process, Costs and Expectations
Experience looking out for your best interests throughout the entire process
We check your renovation numbers to ensure you are NOT being overcharged!
Brent Calls Balls/Strikes with all parties to PROTECT YOUR INTERESTS.

Check out Brent's website for further details:

Brent Kluge

Cell: 410.591.8300

Fax: 888.557.5271

info@203kworld.com

www.203kworld.com

FHA 203K Loan / Lender - Smooth Transaction Guarantee! Toms River, New Jersey

Thu, 01 Sep 2011 12:44:11 -0700

FHA 203K Loan / Lender - Smooth Transaction Guarantee! - Toms River, New Jersey

Brent Kluge & Group is the leading FHA 203K lender in the Mid Atlantic for a reason... Service!
What you get when you finance your FHA 203k renovation project with Brent & Team:

16 Years of Renovation Mortgage Finance
Communication & Clarity on Process, Costs and Expectations
Experience looking out for your best interests throughout the entire process
We check your renovation numbers to ensure you are NOT being overcharged!
Brent Calls Balls/Strikes with all parties to PROTECT YOUR INTERESTS.

Check out Brent's website for further details:

Brent Kluge

Cell: 410.591.8300

Fax: 888.557.5271

info@203kworld.com