In Redding, we have an excellent opportunity to refinance your loan and take advantange of the savings!

If you have an interest rate at 4.50% or higher, you’re a great candidate to refinance! With rates at historic lows you could save thousands of dollars! Don’t Miss what could be your last opportunity!

DON’T GET LEFT BEHIND! Call me TODAY for More Information and a FREE ANALYSIS! (530) 722-3150 or (530) 227-4770 cindy@uslendingcompany.com OR  www.cindytomlinson.net.

OR Call Me Today for More Information About:

·        Purchasing w/Low Down

·        FHA Loans

·        VA Loans

·        Fannie Mae Homepath

·        USDA 100% Financing

·        203k Rehabilitation Loans

·        Refinancing to Lower Your Payment

·        Refinancing for: Cash Out, Debt Consolidation, Remodeling, etc.

·        Reverse Mortgages for Seniors

·        Home Equity Line of Credit

·        Construction Loans

·        Commercial Property Loans

I appreciate your business and look forward to talking to you soon! Have a great day!!!

Sincerely,

Cindy Tomlinson
Loan Officer

USLending Company
DRE Lic # 01520422/NMLS # 214851

If you have an interest rate at 4.50% or higher, you’re a great candidate to refinance!  With rates at historic lows you could save thousands of dollars! Don’t Miss what could be your last opportunity!

DON’T GET LEFT BEHIND! Call me TODAY for More Information and a FREE ANALYSIS! (530) 722-3150 or (530) 227-4770 cindy@uslendingcompany.com OR www.cindytomlinson.net.

 OR Call Me Today for More Information About:

·       Purchasing w/Low Down

·       FHA Loans

·       VA Loans

·       USDA 100% Financing

·       203k Rehabilitation Loans

·       Refinancing to Lower Your Payment

·       Refinancing for: Cash Out, Debt Consolidation, Remodeling, etc.

·       Home Equity Line of Credit

·       Construction Loans

·       Commercial Property Loans            

I appreciate your business and look forward to talking to you soon! Have a great day!!!
 

Sincerely,

Cindy Tomlinson
Loan Officer

USLending Company
DRE Lic # 01520422/NMLS # 214851   

 PS… FOLLOW ME on Facebook for the latest Mortgage updates

** Offer of credit is subject to credit approval. Loan programs are subject to change

First Time Homebuyers in Redding and the surrounding areas have an excellent choice for loan programs to allow them to purchase a home for as low as zero down.

This is an excellent opportunity in our area!!! The USDA program allows for a buyer to finance all of the purchase price, and even closing costs. A USDA loan allows our homebuyer’s the convenience of not having to bring little or sometime any money in to close escrow!

USDA is not restricted to first time Redding homebuyers.

USDA does have eligibility requirements in regards to location. The majority of Redding does not fall into the parameters, however… the “outlining” areas, and all of Anderson, Cottonwood, Shasta Lake City, Palo Cedro, Bella Vista, etc are perfect candidates for this program.

Fannie Mae Homepath is another great option, which allows a buyer to purchase a Fannie Mae owned property with benefits including Low Down Payment– As Low as 3%, No Appraisal required, No Mortgage Insurance, Seller Contributions. Homepath is available for Primary Residence, Second Home AND Investment Properties.

FHA Loans, is most popular in Redding and surrounding areas. FHA Loans do not require a large down payment, and in some cases, there are down payment assistance is available to those who qualify. If you are "upgrading" your home you can take benefit by putting the 3.5% down payment that is required by FHA, these funds may also come in the form of a gift. Additionally, buyers can reduce their out of pocket expenses, by having the sellers contribute up to 6% towards closing costs.

All of these loan programs are a great way to for you to achieve your ultimate dream of owning a home. I am happy to assist you in every way possible to make homeownership happen for you, your clients, friends or family. Please CLICK HERE for more information of loan programs. I assist buyers with their home loans in Northern California and other states as well.

Contact me today to see what program is right for you. I can also help you with USDA, FHA, and VA Refinance Loans, Conventional & Jumbo purchases and refinance in Redding, CA and throughout the state of CA.

Feel free to contact me anytime at 530-722-3150 or cindy@cindytomlinson.net.

Call Me Today for More Information About:

·       Purchasing w/Low Down

·       FHA Loans

·       VA Loans

·       USDA 100% Financing

·       203k Rehabilitation Loans

·       Refinancing to Lower Your Payment

·       Refinancing for: Cash Out, Debt Consolidation, Remodeling, etc.

·       Reverse Mortgages for Seniors

·       Home Equity Line of Credit

·       Construction Loans

·       Commercial Property Loans            

I appreciate your business and look forward to talking to you soon! Have a great day!!!
 

Sincerely,

Cindy Tomlinson
Loan Officer

USLending Company
DRE Lic # 01520422/NMLS # 214851   

PS… FOLLOW ME on Facebook and Twitter for the latest Mortgage updates

** Offer of credit is subject to credit approval. Loan programs are subject to change.

USDA in Redding and the surrounding areas allows a buyer to purchase a home with no down payment! 

This is an excellent opportunity in our area!!! This program allows for a buyer to finance all of the purchase price, and even closing costs. A USDA loan allows our homebuyer’s the convenience of not having to bring little or sometime any money in to close escrow!

USDA is not restricted to first time Redding homebuyers.

USDA does have eligibility requirements in regards to location. The majority of Redding does not fall into the parameters, however… the “outlining” areas, and all of Anderson, Cottonwood, Shasta Lake City, Palo Cedro, Bella Vista, etc are perfect candidates for this program.

USDA Loans Allow an imperfect Credit History

If your credit is less than perfect, USDA might be the loan for you. You may qualify for an USDA loan even though you have had past financial troubles.

• No Minimum Credit Score!
• Bankruptcy. You can obtain a USDA loan three years from the date of your bankruptcy discharge, as long as you've maintained good credit since your debts were discharged.
• Foreclosure. If you keep your credit in excellent shape since a foreclosure, an USDA loan may be available to you 3 years from the final date of your foreclosure.

USDA is a great way to achieve your ultimate dream of owning a home. I am happy to assist you in every way possible to make homeownership happen for you, your clients, friends or family. Please CLICK HERE for more information of loan programs. I assist buyers with their home loans in Northern California and other states as well.

Contact me today to see if USDA is right for you. Or CLICK HERE to use our free, refinance advisory tool.

I can also help you with FHA Purchase or Refinance, VA Purchase or Refinance, Conventional & Jumbo purchases and refinance in Redding, CA and throughout the state of CA.

Feel free to contact me anytime at 530-722-3150 or cindy@cindytomlinson.net.

Call Me Today for More Information About:

·         Purchasing w/Low Down

·         FHA Loans

·         VA Loans

·         USDA 100% Financing

·         203k Rehabilitation Loans

·         Refinancing to Lower Your Payment

·         Refinancing for: Cash Out, Debt Consolidation, Remodeling, etc.

·         Reverse Mortgages for Seniors

·         Home Equity Line of Credit

·         Construction Loans

·         Commercial Property Loans            

I appreciate your business and look forward to talking to you soon! Have a great day!!!
 

Sincerely,

Cindy Tomlinson
Loan Officer

USLending Company

DRE Lic # 01520422/NMLS # 214851   

PS… FOLLOW ME on Facebook and Twitter for the latest Mortgage updates

** Offer of credit is subject to credit approval. Loan programs are subject to change.

More and more in Redding and surrounding areas are refinancing and purchasing a new home with FHA loans, and there is a huge motivation for that. FHA is an excellent way to make the most of your buying potential. FHA allows for LOW down payments, extremely low interest rates and flexible underwriting guidelines. Because an FHA Loan is backed by the Federal Government, it allows lenders to offer low rates.

FHA Loans do not require a large down payment, and in some cases, there are down payment assistance is available to those who qualify. If you are "upgrading" your home you can take benefit by putting the 3.5% down payment that is required by FHA, these funds may also come in the form of a gift. Additionally, buyers can reduce their out of pocket expenses, by having the sellers contribute up to 6% towards closing costs.

FHA Loans can also be used to refinance your current home as well. It is not necessary that you currently have an FHA Loan. You can take advantage of the lower interest rates available and lower your monthly payments, not only that you can receive cash from the equity in your home up to 85% of your home’s value.

FHA Loans Allow an imperfect Credit History

If your credit is less than perfect, FHA might be the loan for you. You may qualify for an FHA loan even though you have had past financial troubles.

• FICO scores can be lower than those for a conventional loan.
• Bankruptcy. You can obtain an FHA loan two to three years from the date of your bankruptcy discharge, as long as you've maintained good credit since your debts were discharged.
• Foreclosure. If you keep your credit in excellent shape since a foreclosure, an FHA loan will be available to you two to three years from the final date of your foreclosure.

FHA is a great way to achieve your ultimate dream of owning a home. I am happy to assist you in every way possible to make homeownership happen for you, your clients, friends or family. Please CLICK HERE for more information of loan programs. I assist buyers with their home loans in Northern California and other states as well.

Contact me today to see if FHA is right for you. Or CLICK HERE to use our free, refinance advisory tool.

I can also help you with a USDA Rural Development, VA Purchase or Refinance, Conventional & Jumbo purchases and refinance in Redding, CA and throughout the state of CA.

Feel free to contact me anytime at 530-722-3150 or cindy@cindytomlinson.net.

Call Me Today for More Information About:

· Purchasing w/Low Down

· FHA Loans

· VA Loans

· USDA 100% Financing

· 203k Rehabilitation Loans

· Refinancing to Lower Your Payment

· Refinancing for: Cash Out, Debt Consolidation, Remodeling, etc.

· Reverse Mortgages for Seniors

· Home Equity Line of Credit

· Construction Loans

· Commercial Property Loans

I appreciate your business and look forward to talking to you soon! Have a great day!!!

Sincerely,

Cindy Tomlinson
Loan Officer

USLending Company

DRE Lic # 01520422/NMLS # 214851

PS… FOLLOW ME on Facebook for the latest Mortgage updates

** Offer of credit is subject to credit approval. Loan programs are subject to change.

It has been a very busy month in Shasta County this May.

There were approximately 180 closed escrows last month, up nearly 20 transactions from March. Nearly half, or 47 percent, of all sales last month were foreclosures.

First-time homebuyers and investors are taking advantage of low interest rates and continue to drive the market.

The amount of inventory of bank owned properties continues to grow rapidly. For better or worse, the banks are very slow to release these properties for sale in the market as to not create an oversupply of housing inventory which would result in driving down house values rapidly. It is expected that the banks will continue this slow drip of properties for sale to keep housing prices somewhat stable.

So what we have here is Fabulous Opportunity. It is a great time to take advantage and refinance your existing loan while rates are low. Buyers are sitting in a great spot as well. Spring is in the air and there are a lot of great homes out there.

If you are interested in discussing options regarding qualifying for a new loan, CLICK HERE, to use my refinance advisor tool to see if it is the right time for you.

I am happy to assist you in every way possible to make homeownership happen for you, your clients, friends or family. Please CLICK HERE for more information of loan programs. I assist buyers with their home loans in Northern California and other states as well.

Feel free to contact me anytime at 530-722-3150 or cindy@cindytomlinson.net.

Call Me Today for More Information About:

· Purchasing w/Low Down

· FHA Loans

· VA Loans

· USDA 100% Financing

· 203k Rehabilitation Loans

· Refinancing to Lower Your Payment

· Refinancing for: Cash Out, Debt Consolidation, Remodeling, etc.

· Reverse Mortgages for Seniors

· Home Equity Line of Credit

· Construction Loans

· Commercial Property Loans

I appreciate your business and look forward to talking to you soon! Have a great day!!!

Sincerely,

Cindy Tomlinson
Loan Officer

USLending Company

DRE Lic # 01520422
NMLS # 214851

PS… FOLLOW ME on Facebook for the latest Mortgage updates

Happy Friday!

Before I even begin to write about the economy, let us not forget about the people who are suffering and struggling in Japan.  My heartfelt wishes for their safety goes out from my heart daily.

The economy which has been on a roll for the last few months now once again seems to be in limbo as the focus on how Japan's nuclear emergency may take a toll on the world economies.  Since Japan is not only the 3^rd largest country in the world, they also produce many items for many countries.  As you may know, production of these products whether it is automobiles, parts, electronics, or accessories has come to a virtual standstill.

Despite many areas of the economy that improve, housing continues to be that one area that just won't wake up.  Housing Starts last month dropped 22.5% to the lowest point on record since 1959.  Mortgage applications for housing purchases also dropped despite the fact that mortgage rates have dropped significantly over the last 2 weeks.  Additionally there continues to be much speculation that home prices may continue to drop which will contribute to even more people waiting on the sidelines so they can secure an even better deal on purchasing a home.

A very misleading report was released stating that in many parts of the country the cost of owning a home could be less than what you pay in rent.  The issue with the report is that when they compare mortgage payments to rent payments, they left out 2 critical items - the real estate taxes and homeowners insurance.  (Since the report did not include taxes and insurance, does that mean I don't have to pay mine anymore?)

Inflation appears to be increasing rapidly when you read the headlines.  However when you take out the volatile food and energy prices from the report, inflation on the wholesale and retail level seems to be increasing at very slow pace and remain very much under control.

The Fed announced this week that they intend on keeping interest rates low for, as they put it, "the extended future".  Additionally the Fed went on to state that they see the speed of the recovery increasing slightly.

Overall when you look at all the reports as of late, with the exception of housing, we have seen a nice improvement in the markets.  (Well up until this week anyway)

The stock market which had been rising rapidly gave back virtually all the gains this year in just a few trading days this week.  Investors are very concerned about the potential impact the disaster in Japan can have on the world economies.

Reports due out next week are: 

• Monday March 21^st - Existing Home Sales·        
•  Tuesday March 22^nd - Federal Housing Finance Agency House Price Index
• Wednesday March 23^rd - MBA Mortgage Applications and New home Sales
• Thursday March 24^th - First Time Jobless Claims
• Friday March 25^th - GDP and Consumer Sentiment

If you know anyone that could use the help of a professional mortgage banker, please feel free to give me a call. I work with clients all over CA and in other states as well.

I am thankful for the opportunity to assist you in any way I can.  

Call 530-722-3150 for More Information About:

• Purchasing w/Low Down
• FHA Loans
• VA Loans
• USDA 100% Financing
• 203k Rehabilitation Loans
• Refinancing to Lower Your Payment
• Refinancing for: Cash Out, Debt Consolidation, Remodeling, etc.
• Reverse Mortgages for Seniors
• Home Equity Line of Credit
• Construction Loans
• Commercial Property Loans           

 You can also Follow me on Facebook for recent updates on Mortgage Market News.

 I appreciate the opportunity to work with you and look forward to talking to you soon! Have a great day!!! 

Sincerely,

Cindy Tomlinson
Loan Officer
USLending Company
DRE Lic # 01520422
NMLS # 214851   

For those in and around the Redding area, you are probably hearing from friends and family, that now is such a great time to be buying your first home. Home prices and interest rates are still working in the favor for both new and move up/down buyers. There are many home loan programs available to assist you in purchasing your new home.

One most popular in our area is the FHA loan. This program allows buyers to purchase with as low as 3.5% downpayment. The interest rates are low, and the qualifying factors are a bit more forgiving.

Another very popular home loan program is the USDA/Rural Housingloan, which is 100% financing. Additional restrictions do apply on this program. Call me at 530-722-3150 to determine eligibility.

There are additional loan programs available, for more information or to discuss your options, please contact me anytime.  To qualify now for your home loan, CLICK HERE to get started.

It is also very helpful for buyers to have a team behind them. Having your own agent to assist you with the home search is very helpful. They are working for you to ensure you are armed with the latest market conditions and are there to offer you support and information. CLICK HERE for a list of recommended agents in and around the Redding area.

If you know anyone that could use the help of a professional mortgage banker, please feel free to give me a call. I work with clients all over CA and in other states as well.

I am thankful for the opportunity to assist you in any way I can.  

Call 530-722-3150 for More Information About:

• Purchasing w/Low Down
• FHA Loans
• VA Loans
• USDA 100% Financing
• 203k Rehabilitation Loans
• Refinancing to Lower Your Payment
• Refinancing for: Cash Out, Debt Consolidation, Remodeling, etc.
• Reverse Mortgages for Seniors
• Home Equity Line of Credit
• Construction Loans
• Commercial Property Loans           

 You can also Follow me on Facebook for recent updates on Mortgage Market News.

 I appreciate the opportunity to work with you and look forward to talking to you soon! Have a great day!!! 

Sincerely,

Cindy Tomlinson
Loan Officer
USLending Company
DRE Lic # 01520422
NMLS # 214851   

USDA... Our great program for 100% financing for Home Buyers in the Redding and surrounding areas is funding again!

There has been so much chatter on this program... is it back, is it passed through Congress, Senate, etc.?? Well, our good news is while they are ironing out the details, we are funding the program again.

This is due to the good news has come out of Washington DC regarding "conditional funding" of loans through the USDA Rural Development loan program. There will be conditional commitments for single family homes issued, subject to "the availability of funds and statutory authority to obligate such funds to support the proposed guarantee, the statutory authority to charge a sufficient guarantee fee (if any is needed, to support the proposed guarantee with available funding), and should the lender pass on to the borrower a loan origination fee that is higher than the guarantee fee that RHS is ultimately authorized to charge on the proposed guaranteed loan, the lender agrees to promptly return the difference to the borrower." Rural Development has $2.5 billion to allocate, subject to these terms, and although the department accepting Section 502 applications, it is not reserving loan funds for applications.

If you have any questions regarding this program or others, please feel free to call me anytime!

Cindy Tomlinson
DRE Lic # 01520422 NMLS # 214851

I am happy to assist you in every way possible to make homeownership happen for you, your clients, friends or family. Please CLICK HERE to use my dream home search tool. I assist buyers with their home loans in Redding and surrounding areas.

Feel free to contact me anytime at 530-722-3150 or cindy@cindytomlinson.net.

While home loans in Redding have been getting busier wtih the winter soon behind us, we still have good reason to encourage those first time home buyers we know.

Our Redding Homebuyers need to act soon! The tax credit for home buyers is expiring in about 44 days.  If you know any prospective homebuyers holding out on purchasing a home, we may need to encourage them to rethink why they are.  The government has recently confirmed that the tax credit will not be extended again!

I am happy to assist you in every way possible to make homeownership happen for you, your clients, friends or family. Please use my home search tool at http://www.norcallender.com/forms/findAHome.html. I assist buyers with their home loans in Redding and surrounding areas.

Feel free to contact me anytime at 530-722-3150 or cindy@norcallender.com.