Sold on Largo Down Payment Assistance - 07/17/07 05:19 PM
The City of Largo participates with Pinellas County in the Pinellas County Consortium for Housing Assistance Funding under the Federal HOME Investment Partnership Program. HOME funds are used by the City to assist first-time home buyers through the Down Payment Assistance (Sold on Largo) program, and for owner-occupied housing rehabilitation programs.
Sold … (1 comments)

Do you YAHOO your target Real Estate market? - 07/13/07 12:27 AM
I just went to Google to check to see who was showing up with articles on one of my favorite cities, Clearwater FL.
You are never going to believe what came up!  
A whole market report with articles from Inman including current listings and state on our market?!?
What do you think about … (11 comments)

What is FHA Manual Underwriting: Does Credit Score Matter? - 07/12/07 06:35 PM
(15 comments)

FHA Home Purchase Mortgages- Frequently Asked Questions - 07/12/07 06:02 PM
(3 comments)

Community Solutions, an Option under My Community Mortgage - 07/12/07 01:23 PM
For Teachers, Police Officers, Firefighters, Health Care Workers, and Eligible Military PersonnelAre you a teacher, police officer, firefighter, health care worker, or member of the United States Armed Forces who could use extra help buying a home? If so, My Community Mortgage with the Community Solutions option might be right for … (3 comments)

My Community Mortgage - 07/12/07 01:12 PM
  MyCommunityMortgage – Now better than ever! Fannie Mae’s MyCommunityMortgage (MCM) product helps housing finance agencies (HFA) serve America’s increasingly diverse population of low- and moderate-income borrowers and communities with more flexible terms than ever before. With low mortgage insurance, an LTV of up to 100 percent, and no minimum borrower contribution, … (0 comments)

How can City grant programs help homebuyers? - 07/12/07 12:36 PM
HOME BUYER LOANS The city offers loans to qualified applicants who wish to purchase and occupy new or existing homes within the city limits. Home buyer assistance loans can be used for down payment, closing costs and / or interest rate buy down. These loans are offered at 0% interest … (4 comments)

Guide to Florida Beaches : Gulf Coast from Dunedin to Marco Island - 07/05/07 12:31 PM
 I wanted to tell everyone about my new friend David McRee, the author of Florida Beaches.  He is THE expert of the beach and he has an amazing guide about St Pete Beach and has another whole site devoted to all the beaches on the lower Gulf Coast of Florida.  If you are vacationing or relocating … (9 comments)

Fun on the 4th with the Family - 07/05/07 12:09 AM
I had a wonderful time with my family for the 4th!!  We went down to the Straub Park festivities in the downtown St Petersburg area and they had some live county music playing and lots of families sitting on blankets watching the boats in the bay, and enjoying the sounds of … (5 comments)

Mortgages With Little Or No Down Payment - Fannie Mae Flexible 97 and 100 - 07/02/07 02:14 PM
    Flexible 97 & 100                                            Here in St Petersburg, when our home prices rise above $150,000 the Zero down mortgage options start to decrease.  The reason is that many St Petersburg mortgage programs have income caps (approximately $54,000) or geographic limitations .  Now you can offer borrowers more options for low … (9 comments)

FREE Home Mortgage Report - 07/01/07 10:50 PM
Since I have been a mortgage broker in St Petersburg, Clearwater, and the Tampa area, the industry has been inundated by people that don't take the time to really KNOW what mortgage options there are.  Zero down is a perfect example of a mortgage that anyone in St Petersburg can offer, … (3 comments)

VA Loan Funding Fee Tables - 07/01/07 04:32 PM
VA Loan Funding Fee Tables
There are some cases where there is an exemption to the funding fee requirement.
The following persons are exempt from paying the funding fee:
 
Veterans receiving VA compensation for service-connected disabilities.Veterans who would be entitled to receive compensation for service-connected disabilities if they did not receive … (4 comments)

VA Loans: Frequently Asked Mortgage Questions - 07/01/07 04:20 PM
Our mortgage customers at Gulf & Southern Mortgage here in St Petersburg FL typically have many questions regarding the mortgage benefits they are entitled to use towards purchasing a home through the VA. If you are living in the Clearwater, St Petersburg, Tampa or Pinellas and Hillsborough County and are going … (16 comments)

VA loan eligibility - 07/01/07 04:18 PM
Save money with a VA home loan! VA loans usually have lower interest rates than conventional loans, and they do not require mortgage insurance. In addition to saving money, there may be no down payment required for a VA loan. At Gulf & Southern Mortgage, we aim to provide you with … (0 comments)

VA loan benefits - 07/01/07 04:16 PM
Benefits of Veteran Home Loans
Loans up to $417,000 No down payment required when purchasing a home. A VA mortgage loan is guaranteed with no money down for any loan up to $417,000. Lower rates for bad credit. If you have bad credit, you would likely get a much lower rate with … (1 comments)

The best ZERO or LOW down payment loan - 07/01/07 04:08 PM
I spend a lot of time looking at the latest mortgage products and finding out how to save my clients money.  I think that the VA loan program is one of the best programs in the market and very rarely do we end up using another program when my client qualifies … (0 comments)

 
Loan Officer: Scott Hoag (Gulf & Southern Mortgage)
Scott Hoag
Saint Petersburg, FL
More about me…
Gulf & Southern Mortgage

Office Phone: (727) 344-3995
Cell Phone: (727) 644-3656
Email Me
I specialize in helping individuals like you and families like yours find, qualify for, and own the home of their dreams with little or no money down, even with less than perfect credit.



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