There will be a Free Delaware First Time Home Buyer Seminar on Saturday July 25, 2009 at 10:00 AM and again at 1:00 PM. The seminar will last about 2 hours and each participate will be able to recieve a free copy of their tri-merge credit report. The seminar will cover all of the basics of buying a new home in Delaware. The seminar will cover Delaware FHA loans, Delaware VA loans, Delaware USDA Rural Housing Loans, First Time Home Buyer Loan Programs and the Delaware FHA 203k Rehab loans. Learn how to get $8,000 tax credit for buying a home. in 2009 That is a check for $8,000 from the IRS to you at tax time just for buying a home! The best thing is you don't have to ever pay the $8,000 back!!
Each participate will recieve a Free Audio CD on Homebuying 101, Credit Scoring Handbook, Homebuying Handbook, and an opputunity to meet with a mortgage planner to be pre-approved to buy a home at the seminar.You will also learn importance of credit in buying a home and learn valueable tips on how to improve your credit score. Learn what programs are available to help with down payment and closing costs. The new loan limits for conventional and FHA will be covered as well as changes to borrowing 100% financing.
The Seminar is being held at The Seminar is being held at The Embassy Suites Hotel at 654 South College Ave , Newark, DE 19713 from 10:00 AM till 12:00 PM and a second session from 1:00 PM till 3:00 PM. To register for the seminar, please call 302-588-3665 and ask for John Thomas. You can also e-mail me at DelawareMortgages@yahoo.com
There will be a Free Delaware First Time Home Buyer Seminar on Saturday June 27, 2009 at 10:00 AM and again at 1:00 PM. The seminar will last about 2 hours and each participate will be able to recieve a free copy of their tri-merge credit report. The seminar will cover all of the basics of buying a new home in Delaware. The seminar will cover Delaware FHA loans, Delaware VA loans, Delaware USDA Rural Housing Loans, First Time Home Buyer Loan Programs and the Delaware 203k Rehab loans. Learn how to get $8,000 tax credit for buying a home. in 2009 That is a check for $8,000 from the IRS to you at tax time just for buying a home! The best thing is you don't have to ever pay the $8,000 back!!
Each participate will recieve a Free Audio CD on Homebuying 101, Credit Scoring Handbook, Homebuying Handbook, and an opputunity to meet with a mortgage planner to be pre-approved to buy a home at the seminar.You will also learn importance of credit in buying a home and learn valueable tips on how to improve your credit score. Learn what programs are available to help with down payment and closing costs. The new loan limits for conventional and FHA will be covered as well as changes to borrowing 100% financing.
The Seminar is being held at The Seminar is being held at Christiana Hilton Hotel 100 Continental Drive , Newar, DE 19713 from 10:00 AM till 12:00 PM and a second session from 1:00 PM till 3:00 PM. To register for the seminar, please call 302-588-3665 and ask for John Thomas. You can also e-mail me at DelawareMortgages@yahoo.com
There will be a Free Delaware First Time Home Buyer Seminar on Saturday June 20, 2009 at 10:00 AM. The seminar will last about 2 hours and each participate will be able to recieve a free copy of their tri-merge credit report. The seminar will cover all of the basics of buying a new home in Delaware. The seminar will cover Delaware FHA loans, Delaware VA loans, Delaware USDA Rural Housing Loans, First Time Home Buyer Loan Programs and the Delaware 203k Rehab loans. Learn how to get $8,000 tax credit for buying a home. in 2009 That is a check for $8,000 from the IRS to you at tax time just for buying a home! The best thing is you don't have to ever pay the $8,000 back!!
Each participate will recieve a Free Book - Automatic Millionaire Homeowner by David Bach, Credit Scoring Handbook, Homebuying Handbook, and an opputunity to meet with a mortgage planner to be pre-approved to buy a home at the seminar.You will also learn importance of credit in buying a home and learn valueable tips on how to improve your credit score. Learn what programs are available to help with down payment and closing costs. The new loan limits for conventional and FHA will be covered as well as changes to borrowing 100% financing.
The Seminar is being held at The Seminar is being held at Wells Fargo Home Mortgage, 111 Continental Drive , Newar, DE 19713 from 10:00 AM till 12:30 PM. To register for the seminar, please call 302-588-3665 and ask for John Thomas. You can also e-mail me at DelawareMortgages@yahoo.com
A Real Estate Attorney is used in a Real Estate Transaction to conduct the settlement and to protect the buyer's interest in the transaction. The first thing an attorney does is order a title search on the property and the seller. The attorney is looking for a free and clear title to the property so that it can be transferred to the buyer with no problems. A title search should go back 60 years and should search all available public records regarding the property and all owners.
The attorney will also order a survey to be done on the property. The survey will show the boundaries of the property and the structures on the property. The purpose of the survey is to reveal encroachments, boundary line problems, set back problems, etc.
The most important job of the Real Estate Attorney is being an advocate for the buyer and represents the buyer in the transaction. The attorney should only represent the buyer so that their is no conflict of interest. The attorney should also explain the terms and condition of the loan to the buyer so that they understand and confirm it is the same as they thought they were getting.
Some states require attorneys to be used and some states do not. Delaware requires a Delaware Licensed attorney to be used for all Delaware Real Estate Transactions. Maryland doesn't require attorneys, a notary will be able to conduct the closing. The difference is the notary cannot perform all of the functions listed above.
If you need help with obtaining a mortgage for the purchase of a home or the refinance of a home, please feel free to call me at 302-368-7132 or send an e-mail to Delawaremortgages@yahoo.com
If you need the recommendation of an excellent real estate attorney for the state of Delaware, please feel free to contact me.
We still have some room left for our Free Delaware Home Buying Seminar on Saturday May 30, 2009 from 10:00 AM till Noon and for the second session from 1:00 PM till 3:00 PM. The seminar will cover Delaware FHA loans, Delaware VA loans, Delaware USDA Rural Housing loans, Delaware First Time Home Buyer Programs, and much more. We will cover the pre-approval process for a mortgage. The credit scoring model and how it affects your mortgage approval will be covered. We will also cover the $8,000 first time home buyer tax credit and down payment assistance programs.
We will cover how to search for a home in Delaware, how to put an offer on a home, and the whole home buying process from start to finsih. Each participate will receive a Free Audio CD - Home Buying 101, Free Home Buying Handbook, and a Free Credit Scoring Handbook. Each participate will have oppurtunity to get free copy of credit report and to setup a free one-on-one mortgage consualtion appointment.
To register for the seminar, please call 302-368-1732 and ask for John Thomas or send an e-mail to DelawareMortgages@yahoo.com.
There will be a Free Delaware First Time Home Buyer Seminar on Saturday May 30, 2009 at 10:00 AM and again at 1:00 PM. The seminar will last about 2 hours and each participate will be able to recieve a free copy of their tri-merge credit report. The seminar will cover all of the basics of buying a new home in Delaware. The seminar will cover Delaware FHA loans, Delaware VA loans, Delaware USDA Rural Housing Loans, First Time Home Buyer Loan Programs and the Delaware 203k Rehab loans. Learn how to get $8,000 tax credit for buying a home. in 2009 That is a check for $8,000 from the IRS to you at tax time just for buying a home! The best thing is you don't have to ever pay the $8,000 back!!
Each participate will recieve a Free Audio CD on Homebuying 101, Credit Scoring Handbook, Homebuying Handbook, and an opputunity to meet with a mortgage planner to be pre-approved to buy a home at the seminar.You will also learn importance of credit in buying a home and learn valueable tips on how to improve your credit score. Learn what programs are available to help with down payment and closing costs. The new loan limits for conventional and FHA will be covered as well as changes to borrowing 100% financing.
The Seminar is being held at The Seminar is being held at Christiana Hilton Hotel 100 Continental Drive , Newar, DE 19713 from 10:00 AM till 12:00 PM and a second session from 1:00 PM till 3:00 PM. To register for the seminar, please call 302-588-3665 and ask for John Thomas. You can also e-mail me at DelawareMortgages@yahoo.com
There will be a Free Delaware Home Buyer Seminar on Saturday April 18, 2009 at 10:00 AM. The seminar will last about 2 hours and each participate will be able to recieve a free copy of their tri-merge credit report. The seminar will cover all of the basics of buying a new home in Delaware. The seminar will cover Delaware FHA loans, Delaware VA loans, Delaware USDA Rural Housing Loans, First Time Home Buyer Loan Programs and the Delaware 203k Rehab loans. Learn how to get $8,000 tax credit for buying a home. in 2009 That is a check for $8,000 from the IRS to you at tax time just for buying a home! The best thing is you don't have to ever pay the $8,000 back!!
Each participate will recieve a Free Audio CD on Homebuying 101, Credit Scoring Handbook, Homebuying Handbook, and an opputunity to meet with a mortgage planner to be pre-approved to buy a home at the seminar.You will also learn importance of credit in buying a home and learn valueable tips on how to improve your credit score. Learn what programs are available to help with down payment and closing costs. The new loan limits for conventional and FHA will be covered as well as changes to borrowing 100% financing.
The Seminar is being held at The Seminar is being held at Ward & Taylor 2710 Centerville RD, Suite 200 Wilmington, DE 19808 from 10:00 AM till 12:30 PM. To register for the seminar, please call 302-368-7132 and ask for John Thomas. You can also e-mail me at DelawareMortgages@yahoo.com
Countrywide is raising the minimum credit score for their programs to 620 on March 6, 2009. They recently just raised it to 580 for all programs. Countrywide is just following suite with other lenders such as Chase and Suntrust. This move to higher FICO scores is to limit the exposure of the company to risk. Studies show significantly higher default from borrowers with credit scores below 620.
Countrywide is also now checking credit scores on FHA streamline refinances. The FHA guidelines say you only need to check the mortgage history but now almost all lenders are checking credit scores on FHA streamlines.
If you would like to see if you qualify for an FHA loan for the purchase or refinance of a home loan, please feel free to call me at 302-368-7132 or send an e-mail to DelawareMortgages@yahoo.com
John R. Thomas - Certified Mortgage Planner - Primary Residential Mortgage, Inc.
The income limits for Delaware USDA Rural Development Loans are based on the number of people that will be living in the home and the county where the property is located.
New Castle County Maximum Income Limits for 2009
1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person
If you would like to apply for a USDA Rural Development Loan please call me at 302-368-7132 or send an e-mail to DelawareMortgages@yahoo.com. I am a Certified USDA Rural Housing Loan Consultant and have been helping families qualify for these loan programs for years.
John R. Thomas - Certified Mortgage Planner - Primary Residential Mortgage, Inc.
Primary Residential Mortgage is a licensed lender in 45 states.
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.
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