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tucker: Refinance Today… Even If You Are Underwater on Your Georgia Mortgage! - 07/10/12 07:09 PM
If you are underwater on your Georgia mortgage, owing more on your loan balance than your home is worth right now; you may be able to refinance to a lower interest rate under the Federal Housing Finance Agency’s Home Affordable Refinance Program (HARP). Refinancing now, while rates are at historic lows, may save you money each month on your mortgage payment! Loan-to-value ratios have recently been eliminated, meaning that it doesn’t matter how underwater you are on your mortgage!
To qualify for a Georgia HARP 2.0 refinance, borrowers must meet the following criteria: The mortgage must have been owned or guaranteed (1 comments)
tucker: Why Do Lenders Prefer a Short Sale Over a Foreclosure??? - 08/13/11 10:25 PM
Why do lenders prefer a short sale over a foreclosure is a common question asked by buyers and sellers. The reason all comes down to money. Any home owner that does a short sale or has a property go into foreclosure ends up costing their mortgage company a lot of money. When a seller does a short sale, it ends up costing the lender about 20-30% less than if they have to foreclosure. Maintaining a foreclosed property is an expensive understanding for a mortgage company. The legal fees associated with a foreclosure can be costly for the lender. They also have (15 comments)
tucker: What Is A Short Sale? - 08/13/11 07:54 PM
A home sale is classified as a "Short Sale" whenever it is sold for less than the amount owned on the mortgage and the mortgage lender accepts less than the full amount due on the outstanding balance. The seller must meet several criteria in order to qualify for a short sale? Some of those include: The seller must owe more on the home that its current value The seller must prove that the home cannot be sold for enough to satisfy the current outstanding mortgage(s) owed The seller must demonstrate that they are suffering from a financial hardship which leaves the (3 comments)
tucker: Completed HAFA Short Sales Pass 10,000 Closings - 08/13/11 07:04 PM
According to a recent article from HousingWire, completed HAFA Short Sales have now surpassed 10,000 closings. Since the Home Affordable Foreclosure Alternatives (HAFA) program was launched in April 2010, mortgage servicers have now completed 10,438 HAFA short sales through the end of June 2011. JPMorgan Chase tops the HAFA closed volume list. The lender has now completed almost 3,600 approved HAFA short sales through the program. In June 2011 alone, nearly 1,000 were completed. Wells Fargo comes in second place in completed HAFA short sales. They have completed over 3,100 HAFA transactions. Of those completed, nearly 700 were done in June 2011 alone. Bank (6 comments)
tucker: New, Lower FHA Loan Limits for DeKalb County, GA - Effective October 1, 2011 - 07/10/11 06:04 PM
The Housing and Economic Recovery Act of 2008 raised the maximum conforming loan limit in the contiguous United States, the District of Columbia and Puerto Rico to as high as $729,750. Of course, most counties across the country saw much lower loan limits. Conforming loan limits, which had been raised for many high-cost areas throughout the country to a maximum of $729,750, are expected to expire September 30, 2011. After this deadline, high-balance loans will once again be classified as "jumbo" and carry a higher interest rate. Once the maximum loan limits are lowered, the new FHA loan limit for DeKalb County, GA (as (0 comments)
tucker: HUD Temporary Flipping Waiver Extended Until December 31, 2011 for FHA Mortgages - 03/10/11 09:05 PM
HUD has announced that its temporary waiver of the 90-day flipping restriction is now in effect until December 31, 2011. There are no changes to the Flip Waiver that was previously issued. The Flip Waiver is still subject to certain conditions. In order to be eligible for FHA financing, the mortgages must meet these conditions to take advantage of the waiver. The complete text of the waiver extension, including conditions the waiver is limited to, is available on the HUD website. Some of the Flip-Waiver provisions include: 1. The amount of the Rehab/Repair may not be added as part of the Seller's acquisition costs.2. 2nd (2 comments)
tucker: Does Your Georgia 203K Lender Have an In-house Draw Department???? - 03/05/11 08:16 PM
Does your 203K lender have an in-house Draw Department???? This is one very important question that most Georgia buyers and real estate agents fail to ask when comparing mortgage companies that offer FHA 203K Renovation mortgage program. There are many mortgage companies who do "offer" FHA 203K mortgages. Most often, they only offer the Streamline version of the program. Very few also offer the Consultant version of the program. Surprisingly, even less of them actually have an in-house draw department. In fact, there are only a handful of 203K lenders with an in-house draw department. Why is this important, you might ask???? It is (0 comments)
tucker: Tax Bills Are Now Out For DeKalb County, GA - 07/25/10 05:24 PM
The 2010 DeKalb County tax bills are now out. If they are not already there, they should be arriving in homeowner's mailboxes shortly. Property tax bills are mailed during July of each year to the owner of record as of January 1st. Important DeKalb Deadlines to Remember April 1 ...................... File Property Tax Returns/Declaring Values April 1 ...................... Application for Current Year Exemption July 1 ....................... First Installment Payable August 31 ................. Late Charges Begin to Apply for Payments Received After This Date September 15 ............ Atlanta City Taxes Due October 1 ................. Second Installment Payable November 15 ............. Late Charges (3 comments)
tucker: HomePath Financing - Buy a Home in Georgia With Only 3% Down - 07/14/10 09:51 PM
Buy a new home with as little as 3% down. Fannie Mae's HomePath® mortgage program is specifically for Fannie Mae REO properties. Prospect Mortgage is pleased to be the nation's largest retail HomePath® mortgage lender. Only a handful of lenders nationwide were selected to participate in this special financing program. HomePath® Financing Highlights This special financing is available exclusively on Fannie Mae homes with the HomePath® logo. Fannie Mae has properties available all over Georgia including: Acworth, Albany, Alpharetta, Athens, Atlanta, Augusta, Austell, Avondale Estates, Blairsville, Bloomingdale, Blue Ridge, Bogart, Brunswick, Buckhead, Buford, Canton, Carrollton, Cartersville, Chatsworth, Clayton, College Park, Columbus, (0 comments)
Investors in Georgia are now able to purchase properties with as little as 10% down. Fannie Mae's HomePath® mortgage program is specifically for Fannie Mae REO properties. Prospect Mortgage is pleased to be the nation's largest retail HomePath® mortgage lender. Only a handful of lenders nationwide were selected to participate in Fannie Mae's special financing program.
HomePath® Financing Highlights This special financing is available exclusively on Fannie Mae homes with the HomePath® logo. Fannie Mae has properties available all over Georgia including: Acworth, Albany, Alpharetta, Athens, Atlanta, Augusta, Austell, Avondale Estates, Blairsville, Bloomingdale, Blue Ridge, Bogart, Brunswick, Buckhead, (0 comments)
tucker: DeKalb County First Time Home Buyer Program Highlights - 12/04/08 08:53 AM
DeKalb County First Time Home Buyer Program Highlights The DeKalb County First-time Homebuyer Program is funded by the DeKalb County Human and Community Development Department and it is administered by the Housing Authority of DeKalb County (HADC). About the Program The DeKalb County First-time Buyer Program will provide money towards a buyer's down payment, closing costs, and other pre-paid expenses for the purchase of a home that will serve as their primary residence. Eligible applicants will receive $5,000 for this purpose with the possibility of receiving at total of $8,000 if they successfully improve their credit scores through working with one (4 comments)
tucker: Buy a HUD Home for Only $100 Down - 11/22/08 07:02 PM
Buy a HUD Home for Only $100 Down Don't miss out on this GREAT opportunity to purchase a home. For a limited time, you can purchase a HUD Owned property using a FHA loan with only $100 down instead of the normal 3% down payment requirement. This offer is valid for owner-occupants only. HUD homes are currently available in nearly every GA county. If the property is in need of repairs, you can still purchase it using a FHA 203K Renovation loan. The 203K loan allows the buyer to purchase a home that has required repairs above the FHA limit of (3 comments)
Rodney Mason - FHA 203K/ USDA /VA / HomePath Renovation Specialist - GA / AL
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.