No money down, USDA - 01/27/12 02:42 PM
Looking to buy a home in Hernando County?
 You may be eligible for a Florida USDA.  These loans are one of the best options out there for people with little or no money for down payments
 
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Refinancing your home - 01/26/12 11:00 AM
Many times I get asked the question, "When should I refinance my home"?   Below are some questions and answers that I think might help you decide.
Q:  When does it make sent to refinance?
A:  This could vary depending upon each individuals situation.  One thing to consider is how long it will take you to recover the closing costs.  If you lower your payment by $100.00 every month and have $3,000.00 in closing costs, it would take you 30 months to recover.  Most lenders won't refinance your home unless you recover within 48 months. As you can see in this example, … (0 comments)

NO MONEY Down, 100% Financing, USDA - 01/25/12 03:45 PM
Want to live in the country? I can get you 100% financing with no money down using a USDA loan.
This loan program is excellent for your First Time Home Buyers that are just starting out or that don't have a down payment that most other loan programs require.
USDA HIGHLIGHTS
•• 103.5% financing based on appraised value
•• 640 Minimum credit score
•• DTI 31/43 (will go up to 45% w/comp factors)
•• No monthly MI
•• No reserve requirements
•• No Down Payment
•• No maximum seller concessions
•• 100% gifting is permitted
•• Primary residences only
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Laurie Toland (Bay to Bay Lending)

Laurie Toland

Tampa, FL

More about me…

Bay to Bay Lending

Address: 25120 Richbarn Road, Brooksville , FL, 34601

Office Phone: (813) 642-7361

Cell Phone: (352) 428-4795

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