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wake county: FHA Loan Limits Change in NC 2/24/2009 - 02/26/09 08:36 AM
FHA increased the loan limits in 2008, and then lowered them January 1, 2009 and THEN raised them back UP on February 24, 2009! WOW! So, if you are considering a purchase in NC, you might want to check out the NEW FHA Loan Limit for the County you are interested in! Wake County/ Johnston County Limit $295,000 Durham County/Orange County Limit $334,650 New Hanover County/ Brunswick County / Pender County $303,750 Onslow County $306,250 Guilford County /Forsyth County $271,050 Mecklenburg County/Union County/ Cabarrus County $303,750 Iredell County $271,050 Buncombe County $303,750 FHA loans do not have a limit on the amount of income your (6 comments)
wake county: FHA Loan Limits Wake County 2009 - 01/05/09 02:58 PM
If you are trying to sell a $300,000 home in Wake County, NC - you just lost the opportunity to sell to hundreds of buyers. The FHA loan limit in Wake County changed January 1, 2009 from $295,000 to $271,050... then it changed BACK to the $295,000 level 2 months later! FHA offers buyers one of the most flexible programs available, 3.5% downpayment, minimal "pmi," understanding credit history requirements and GIFT FUNDS are allowed! (If you are a buyer, check out this website for more FHA info) If you have questions about how this loan limit change affects you, please call us! Steve (8 comments)
wake county: Fran's Story - Another ActiveRain Success! - 01/05/09 11:07 AM
My tweets for the last few weeks read: "Still Working on 203K loan..." Well, it's closed, and I want to share the story behind those brief, cryptic tweets: Here's Fran's Story: In October, I received a call from a woman working at a local diner. She moved to North Carolina in July - having worked for 14 years as a waitress in Northern Virginia. Fran makes a base pay of $6.55 an hour, and tips. She is in her mid 50's, and wanted to purchase her first home. It was her D-R-E-A-M. She suffered through a bad marriage, finally got out, raised her (1 comments)
Via Stanton Homes - Penny Hull: Raleigh Area Custom Home Builder (Stanton Homes Inc - Raleigh Custom Homes): Raleigh Relocation Package Free Birthday Treats for Adults and Kids! Where To Go For Your Birthday in Raleigh NC Sometimes birthdays just don't seem that fun anymore. But remember the days of treasure hunts and big parties? Bring that wonderful, exciting birthday feeling back with free birthday treats! There are some great businesses and restaraunts in the Raleigh/Triangle area that (4 comments)
wake county: How Mortgage Rates Work Now - 12/22/08 01:21 PM
In the "old days" (before the government had to get involved in lending), rates, and yield spread worked just like a ruler. A rate of 5%, might be "even" - meaning the broker charged a 1% origination fee (which they share with their company), and that was what they earned. A rate of 5.125% would pay them slightly more, a rate of 5.25% paid more (so you didn't charge an origination fee at this rate), 5.375 paid more, and at 5.5% you were earning enough, in most cases to pay part or all of the closing costs on the loan. It (7 comments)
wake county: The Different Kinds of Mortgage Insurance - 12/01/08 04:03 PM
Most folks want to avoid PMI... but they don't realize that they are happily paying a "kind" of mortgage insurance no matter what kind of loan they are getting! Mortgage Insurance is not the insurance that covers you if you die, or are disabled and can not pay the mortgage... it's the insurance that protects the BANK in the event you go into foreclosure. Given the recent UP TICK in foreclosures, you can see why banks are requiring higher coverage amounts! If you are applying for a Conventional mortgage, and you are putting more then 20% on a property you plan (4 comments)
wake county: Change in Business Plans - Take out Fear of Financing (ASAP!) - 11/12/08 09:11 AM
This is one of those NO BRAINER wake up calls we all need. I just finished Accountability Coaching - and they reminded me that I need 12 to 20 Exposures every day... not to my real estate partners, but to the PUBLIC. Writing notes, sending personal emails - reminding folks what I do. Then I should have 3 presentations to Real Estate Partners A DAY... reminding them what I do, and helping them with their marketing! Well, if you're a real estate partner that I meet in the next few weeks - this is going to be part of what we (10 comments)
wake county: FHA Mortgage Program is AWFUL! - 10/20/08 03:11 PM
Use to be, I could get all the business I wanted just concentrating on my referral partners in Cary. With business such as it is, I now find myself heading further out to hook up with borrowers and referral partners. I've been listening to CNBC as the market works it's way up and down. Maybe you've listened to XM too and heard the fella' who says, "It's the Biggest No Brainer In the History of Earth!" The guy on XM now has a newer ad out about the Mortgage Bailout Bill. Click here and see if you think he might be (17 comments)
wake county: USDA Home Loans Durham County, NC - 10/14/08 12:09 PM
We've had several people interested in obtaining a USDA home loan for property in Durham County. I've put together a couple of maps that should help in identifying areas that qualify for this program. As you might know - it's one of the last TRUE 100% home loans available - and it doesn't have PMI! The rates are comparable to FHA, so it's a very affordable payment! You do not have to have PRESTINE credit, but we generally want to see scores above 580, and 12 months of "clean credit." USDA does require that the property be located in a less populated (4 comments)
wake county: Bailout Part Deuce - 09/30/08 09:51 AM
I'm with most folks. I know that we probably need the Bailout - but I don't want it. The markets are going to be better today - because it's the end of the quarter and there are somethings that have to happen, and those events will cause a temporary improvement - but tomorrow it's going to be back downhill. I was listening to various Congress "persons" and found myself nodding my head when several said, "Paulson had a YEAR to bring this information to us!" Yep... and then I read the following in Inman News and found myself nodding again. Sorry, Pres, (4 comments)
wake county: Does Wake County Care if Fannie Belly Flops?? - 07/11/08 01:54 PM
Secretary Paulson and Bernanke followed each other speaking on Capitol Hill. In his prepared speech to the House Financial Services Committee, Sec. Paulson made these comments about Fannie Mae (FNMA) and Freddie Mac (FHLMC)... "Their regulator has made clear that they are adequately capitalized." Paulson said the two government sponsored enterprises are "working through a challenging period." Yeah, I can see where losing 70% of your stocks value this year would be challenging! But if you don't own STOCK in Fannie and Freddie - does it really matter to the average citizen in Wake County? I would argue that it does. Since the (2 comments)
wake county: When The Option Is: Refinance or Sell - 05/28/08 05:19 PM
Gas is now over $4.00 a gallon, and the Raleigh SPCA just announced it's at capacity because people can no longer afford to pay for their pets. It's a sad time. And it's no longer something that's just happening in California... or Ohio... or Florida. It's hitting home here in the Triangle where families were already walking a fine line living on credit cards to go on vacation. The little bit of money Dubbya sent - barely made a dent for some folks. If you are one of those people who had an adjustable rate mortgage, you're also trying to balance (6 comments)
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.