zero down: We Mock - 05/13/08 03:10 PM
What we don't understand.
I just got a call from one of my "no downpayment" signs. Yes, I can still do No Downpayment and they are not the fast track into foreclosure. It is a viable tool to help people who want to buy a house with little or no money … (7 comments)
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zero down: Will inaccurate information in my credit report affect my credit score? - 05/08/08 11:56 PM
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zero down: Agents and REALTORS: The FHA Mortgage is a Fantastic Sales Tool in Tough Markets! - 05/04/08 11:42 PM
My REALTOR partners are closing sales for Tucson buyers who have income, but have saved little towards a downpayment. Buyer demand is strong for zero down homes, or nearly zero down. Here's what you need to do to close more sales using the advantages of an FHA mortgage:
This is a MUST: Make sure your … (19 comments)
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zero down: Creative FHA loans — No Money out of pocket - 05/04/08 08:59 AM
FHA loans are becoming a vital part of todays financing when it comes to buying a new home or refinancing. You will still hear from some lenders or realtors that FHA financing is not the way to go. Here are some reasons why and the rumors mentioned :
They are old school and … (9 comments)
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zero down: FHA Has Imposed Credit Score Pricing Adjustments-What does this mean for your Client? - 04/29/08 09:00 PM
FHA has been a great resource for many borrowers thus far and may continue to do so for years to come. We have been seeing in the Phoenix, AZ market, a slight increase to our borrowers monthly payments due to a new pricing add this month.
A few weeks ago we were … (3 comments)
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zero down: WHY CHOOSE A RURAL DEVELOPMENT GUARANTEE LOAN? - 04/11/08 10:26 PM
Sometimes good credit and a steady income are not enough to qualify for a home loan . More individuals and families may be eligible to become homeowners with the help of a USDA guaranteed home loan. Benefits of guaranteed financing:
• 100% loan: no downpayment for existing homes or new … (0 comments)
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zero down: Lutz Home In-Law Guest Suite | This home has it all! - 04/10/08 11:36 AM
Ask how you can buy this fabulous Lutz Home with ZERO DOWN PAYMENT!! Floor plan of main house features 3 bedrooms 2 bathrooms, and detached Mother In Law (or Guest Suite) is a 1/1 with living room and kitchen. This In-law Suite currently rents for $600 per month, tenant is on a … (5 comments)
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zero down: Gilbert's Ashley Heights Market Review as of 4/9/07 - 04/09/08 04:42 PM
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zero down: Gilbert's Allen Ranch Market Update as of 4/9/08 - 04/09/08 02:25 PM
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zero down: Current Market Activity For Higley Estates as of 3/31/08 - 03/31/08 03:15 PM
If you would like more specific info on a certain home or wouold like me to post market activity for your subdivision, please email me at sold@azhomestore.com.
… (0 comments)
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zero down: Higley Groves Market Activity as of 3/31/08 - 03/31/08 02:28 PM
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zero down: Bridgewater Homes | Saturday Tour of homes Wesley Chapel - 03/29/08 06:59 AM
Saturday tour of homes in Bridgewater.
***************************************************** As you begin your search for TAMPA Homes, in your PJ's, in the leisure of your own home, rest assured we can search for and go preview the homes you like, in advance for you! Saving you time, energy, and money... … (1 comments)
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zero down: ZERO Down Homes For Sale - $214,900.00 - 03/26/08 02:37 PM
I currently have 2 homes for sale that qualify for zero down in Gilbert.
Click below and it will take you to my website. If these homes do not work for you,
there are a plethora of homes for sale that would work with this program
… (0 comments)
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zero down: Stated Income Loans and Zero Down Loans - 03/25/08 10:49 AM
As we continue to see the meltdown of the mortgage industry we will also experience the removal of some of the riskier loan programs. We are currently watching the removal of all "Stated Income Loans". This will continue to harm the real estate sales market by eliminating a whole category of … (1 comments)
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zero down: THE DONKEY IN THE WELL - 03/25/08 10:17 AM
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zero down: The truth about "Zero Down" advertising - 03/25/08 05:46 AM
In the Metro Detroit area the popularity of FHA and VA mortgages is higher than I have witnessed in years. One of the reasons for the increasing use of these mortgages is the potential for the borrower to acquire a home for no money down.
"Teaser" ads that I'm seeing in … (15 comments)
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zero down: 1689 Juliet St. Paul, MN.....Open Sunday March 30th 1 - 3PM....Zero Down! - 03/24/08 01:47 PM
1689 Juliet - St Paul, MN - No Down Payment Required
Zero Down Payment
Open Sunday March 30th 1 - 3PM
1689 Juliet Avenue St Paul, MN 55105
2 Bedrooms 1 Bathroom Hard Wood Floors Mac/Groveland Neutral Decor 2-Car Garage Steps to Mattocks Park
$229,900
This home is eligible for down payment assistance. … (0 comments)
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zero down: 1689 Juliet Ave in St. Paul's outstanding Mac/Grove neighborhood - 03/19/08 03:06 PM
Zero Down Payment
1689 Juliet Avenue St Paul, MN 55105
2 Bedrooms 1 Bathroom Hard Wood Floors Mac/Groveland Neutral Decor 2-Car Garage Steps to Mattocks Park
$229,900
This home is eligible for down payment assistance.
The Nehemiah Program provides gift funds to qualified homebuyers who purchase participating homes using an eligible loan … (0 comments)
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zero down: Mortgage Rates - 03/18/08 11:49 PM
Rates - Is it always best to have the lowest rate? We have been accustomed to always asking for the lowest long term fixed rate. Why would we think otherwise?
The lowest rate is best for long term loans. Meaning, the borrower plans to not refinance or move within that term. If a … (0 comments)
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zero down: ABINGDON ZERO DOWN HOMES - 03/10/08 03:50 PM
Free HomeLoanFinder Service Helps Abingdon Homebuyers Buy Lovely Homes From $180,000 To $380,000 For Zero Down
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zero down: No Credit Score Financing Available with LESS than 5% Down! - 03/10/08 03:16 PM
Nationwide, buyers can purchase with no or low credit scores provided a NTRMCR can be created. If so, the buyer has met the minimum credit guidelines for government financing loans.
NTRMCR = Non-Traditional Residential Mortgage Credit Report
What gets put on the report?
Proof of utility bills paid on time with no 30 day lates.Rental HistoryNon-payroll … (4 comments)
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zero down: Hurray! FHA downpayment assistance programs are here to stay! - 03/07/08 02:57 PM
The United States District Court of Columbia issued a decison on Wednesday confirming that Downpayment Assistance foundations such as Ameridream, Genesis, and Nehemiah may continue operations indefinitely.
If you are interested, read the official ruling here.
This is really good news. An adverse decision could have further reduced active buyers in the market. This ruling, however, in conjunction with … (0 comments)
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zero down: FHA loans are now available in Marin County - 03/06/08 05:09 PM
Assuming that you can find a mortgage broker that can do a FHA loan, today's news should bring some relief. With Marin county getting its conforming loan amount raised from the old $417,000 to $729,500. In the morning meeting I attended, I heard that the rate was 4.75% for full doc … (0 comments)
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zero down: Zero Down Mortgages - Tips on Getting Approved - 03/06/08 08:10 AM
Zero down home financing is a great tool to help countless home buyers buy a home more quickly, without requiring them to save any money for a down payment. Are you considering applying for a zero down mortgage loan to purchase your new home? Here are some tips to ease … (4 comments)
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zero down: 100% Financing Available??? - 03/04/08 12:22 AM
As most of us know, the availability of zero down programs has almost completely dried up. However, there are still some lenders that are still doing 100% financing. They do come and go as the funding dries up or underwriting standards change.
Does anyone know of any lenders who are offering zero … (2 comments)
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zero down: Why should a seller offer to pay for a buyers closing costs & prepaids? - 03/02/08 09:34 PM
It opens a seller up to a bigger market of buyers. Many buyers can now get 100% financing, but still need to save for closing costs and prepaids. As a seller you can sell your home for nearly your asking price and profit vs. haggling on a selling price with no … (1 comments)
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zero down: FHA is a'changin' - 03/01/08 10:51 PM
The Federal Housing Administration was created in 1934 as part of FDR's "New Deal" in an effort to the lift the country out of the Great Depression. At the time, the U.S. was in the midst of a credit crunch and a housing crisis. Mortgages were very difficult to qualify for, … (3 comments)
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zero down: Buying A Home In West Hartford - Getting Your Home Mortgage Loan - 02/16/08 11:31 PM
So you’ve decided to buy a home. Maybe you are a newlywed, and you and your new better half are happy in love and off to pursue the American dream. Maybe you’re an unhappy renter, tired of throwing away your hard-earned money every month for your landlords house. Perhaps you’re a … (0 comments)
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zero down: Down Payment Assistance & Zero Down on Arizona Homes - 02/16/08 10:02 PM
It is a buyers market in many parts of the country. Don't let the lack of a downpayment stop you from owning a home!
The Zero down programs from lenders may be all dried up, but I know where you can get up to 6% for your down payment/closing costs!! This is … (2 comments)
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zero down: Real Estate In The Twin Cities Minnesota-First Time Buyers And First Time Investors - 02/14/08 11:30 PM
Why you should consider buying investment properties or your first house in MN Today
Vulture investing in foreclosures or short sales can turn out to be tremendously profitable IF you have a long enough holding period of time. Based on what I see in the market today, you should plan on at … (0 comments)
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zero down: Zero Down Mortgage Loans - Understanding No Money Down Loans - 02/12/08 09:27 PM
All across the contry home prices have increase greatly over the past few years, and at the same time the average down payment has decreased. In many cases to zero or no money down. Here in Connecticut is no exception to that rule. Why? There are several reasons. It is increasingly harder … (0 comments)
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zero down: I just shoveled my Open House's walkway and driveway... - 02/10/08 02:47 PM
I haven't logged on in awhile, so sitting at my Open House, I thought it'd be a good time to play catch up and read some blogs and post some while I was at it.
It's currently 9 degrees in Michigan and it's freezing cold, especially with the wind blowing at hurricane … (6 comments)
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zero down: FHA Will be Modernized-Effect On Twin Cities MN Real Estate Market May Be Limited - 01/25/08 12:29 PM
Loan Size on FHA Mortgage Loans Will Be Increased
Here's what we know so far: There will be an FHA modernization bill that passes this year. The proposed bill is bouncing back and forth between the House and Senate. Once thing is for sure, or as sure as we can be at … (0 comments)
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zero down: Edina Mortgage Broker & Edina RE/MAX Real Estate agent Offer Deal - 01/24/08 08:52 AM
Have you been sitting on the fence wondering when to buy a new home? We know it's not the interest rates-the mortgage rates are at a multi-year LOW. We know it's not the inventory, we are in a buyers market with motivated sellers. This means more choices than ever before. We … (0 comments)
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zero down: Gilbert Opportunities! Stop renting...... - 01/22/08 09:22 PM
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zero down: VA-Veteran Home Loan Programs-Your Key To Homeownership - 01/11/08 07:23 PM
We recently wrote this article and wanted to share it:
VA-Veteran Home Loan Program-Your Key To Homeownership
Many people are kept out of the housing market due to lack of sufficient down payment and/or funds available for closing costs. Yet these potential homeowners can afford to make a rental payment that would … (1 comments)
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zero down: First Time Buyers - Sharing Thoughts - 01/08/08 11:24 AM
Buying your first home can be one of the best decisions you will ever make. Many people have fears and concerns, others are doubtful or anxious, few dive right in with a cozy warm feeling. If you are reading this Blog there is a good chance that you have just registered for our … (0 comments)
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zero down: EXTREMELY IMPORTANT LENDING CHANGES - 12/18/07 09:06 PM
Hi!Here's some important information that I thought I'd share with you. Brent told me it was okay to repost in my blog.
I have found that if no other Lender can do it- Brent can. He is always up to date with all of the lending changes. So when he sends … (1 comments)
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zero down: Germantown real estate, Gaithersburg real estate, Montgomery County Real Estate, Townhouse, 3 bedrooms - 12/18/07 01:40 PM
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zero down: OPPORTUNITY KNOCKS! - 12/05/07 04:16 AM
Great opportunity for one lucky home buyer. This home has a newly remodeled kitchen with updated everything! Large yard for entertaining plus you can relax in your own private spa. To hear information on ZERO DOWN FINANCING available on this home call for free 24 hours a day (888) 270-2102 ext. … (0 comments)
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zero down: ATX Rent To Own & ATX Home Buy - General Lending Information (Part 12 of 12) - REFINANCING - 12/04/07 08:41 PM
REFINANCING
Homeowners choose to refinance for a wide variety of reasons. Some of the most popular ones include:
Obtain a lower interest rate. Build equity faster. Change loan type. Take advantage of an improved credit rating. Draw on equity already built in the home.Obtaining a lower mortgage interest rate can lower your … (0 comments)
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zero down: ATX Rent To Own & ATX Home Buy - General Lending Information (Part 11 of 12) - EARLY LOAN PAYOFF - 12/04/07 08:39 PM
EARLY LOAN PAYOFF
Even with today's low interest rates, the total amount of interest you may pay over the life of your mortgage can seem like an enormous amount. It's one of the reasons many people set a goal to pay down their mortgages early. Here are some reasons to consider it:
Paying … (0 comments)
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zero down: ATX Rent To Own & ATX Home Buy - General Lending Information (Part 10 of 12) - DOWN PAYMENT - 12/04/07 08:38 PM
DOWN PAYMENT
Nearly every home purchase requires a down payment. The amount of the down payment can vary greatly depending on the home, the seller, the mortgage obtained, credit history of the borrower, etc.
There are such things as no down loans that don't require the buyer to come up with the funds, … (0 comments)
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zero down: ATX Rent To Own & ATX Home Buy - General Lending Information (Part 9 of 12) - MORTGAGE INSURANCE - 12/04/07 08:36 PM
MORTGAGE INSURANCE
Mortgage insurance is a policy that protects lenders against some or most of the losses that result from defaults on home mortgages. It's usually required for borrowers making a down payment of less than 20%.
Similarly to auto insurance, mortgage insurance requires payment of a premium, is for protection against loss, … (0 comments)
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zero down: ATX Rent To Own & ATX Home Buy - General Lending Information (Part 8 of 12) - SECOND MORTGAGES - 12/04/07 08:35 PM
SECOND MORTGAGES
Although a second mortgage places an additional mortgage on your home, second mortgage money usually is loaned in a lump sum. Also, second mortgages usually have fixed interest rates and fixed payment amounts.
Some second mortgage loans may extend for as long as 15 or 20 years; others may require … (0 comments)
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zero down: ATX Rent To Own & ATX Home Buy - General Lending Information (Part 7 of 12) - HOME EQUITY LINE OF CREDIT - 12/04/07 08:33 PM
HOME EQUITY LINE OF CREDIT
While similar to a second mortgage or Home Equity Loan, a Home Equity Line of Credit (HELOC) is different. If you need to borrow money, home equity lines may be one useful source of credit. Initially at least, they may provide you with large amounts of cash … (0 comments)
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zero down: ATX Rent To Own & ATX Home Buy - General Lending Information (Part 6 of 12) - CONSTRUCTION LOANS - 12/04/07 08:32 PM
CONSTRUCTION LOANS
Construction Loans are different than anything else out there. A lender has to know the story behind the planned construction before they're willing to loan you money. It's not going to be standardized like mortgage loans underwritten to Freddie Mac or Fannie Mae guidelines.
However, there are some common features … (0 comments)
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zero down: ATX Rent To Own & ATX Home Buy - General Lending Information (Part 5 of 12) - INTEREST ONLY LOANS - 12/04/07 08:29 PM
INTEREST ONLY LOANS
Recently, Interest Only Loans have become prevalent in the mortgage industry. An interest only loan means that you pay only the interest on a mortgage in monthly payments for a fix term. After the end of that term, (generally 5-7 years) you begin paying off the principal (which causes … (0 comments)
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zero down: Dallas and Surrounding Cities - 12/03/07 02:47 PM
As the housing market nationally continue to under perform, I can only think how Dallas is a market that is still performing very well.
If you watch the news or read the newspapers you might think otherwise, but what these reporters fail to mention is that the Dallas market has been appreciating … (2 comments)
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zero down: Strong Fundamentals Indicate Improving Housing Market - 11/29/07 11:58 PM
The national news media, persuaded by a small number of outspoken and misinformed analysts, have painted a very grim picture of the current real estate market, even though the facts tell a very different story. Faced with the conundrum of consumers "sitting on the home-buying fence" in the midst of solid … (0 comments)
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zero down: ATX Rent To Own & ATX Home Buy - General Lending Information (Part 4 of 12) - GOVERNMENT LOANS - 11/13/07 10:59 AM
GOVERNMENT LOANS
While there are several government loans available, the two most common for home buyers are FHA LOANS and VA LOANS.
FHA Loans: HUD insures mortgage loans to help people buy or refinance their current homes with a low down payment. HUD doesn't give you the loan directly. If you're interested in … (0 comments)
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zero down: ATX Rent To Own & ATX Home Buy - General Lending Information (Part 3 of 12) - CONVENTIONAL LOANS - 11/13/07 10:42 AM
CONVENTIONAL LOANS
Conventional loans are loans that are secured by government sponsored entities such as Fannie Mae and Freddie Mac. Conventional loans can be made to purchase or refinance homes with first and second mortgages on single family to four family homes.
There are loan limits for homes under conventional guidelines:
2004 Conventional Loan … (0 comments)
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zero down: ATX Rent To Own & ATX Home Buy - General Lending Information (Part 2 of 12) - GENERAL LOAN INFORMATION - 11/13/07 10:10 AM
GENERAL LOAN INFORMATION
There are many loan choices available. In this article, we've provided a summary of loans and key phrases. Please keep in mind this is just a basic overview. Please contact us if you'd like clarification or a more detailed explanation.
Fixed Rate Mortgages - These are offered in 15 and … (0 comments)
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zero down: ATX Rent To Own & ATX Home Buy - General Lending Information (Part 1 of 12) - WHY WORK WITH US? - 11/13/07 10:02 AM
WHY WORK WITH US?
Buying a home is a thrilling, if major, step. There are so many questions that can be asked, so many places to look for answers.
We'd like to share our expertise and help make the process as painless as possible. In order to reach your home buying goals, you … (0 comments)
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zero down: Zero Down Construction Loan Information - 11/06/07 05:48 PM
ZERO DOWN! Custom Home Construction Loan & Financing
Community First Financial is excited to offer our no money down* construction loan program. This program is designed for primary and 2nd home buyers who want to put limited funds into their custom home project. This program also allows the borrower to use … (1 comments)
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zero down: The Bubble and Zero Down Properties - 11/01/07 01:24 AM
This is a great time to be a San Deigo buyer. The market supports buyers right now. The key to zero down properties is a couple factors:
1) Credit Fico
2) 6 month of reserves
3) Seller pays closing costs
4) Income Verification
Please don't hesitate to call for more details or questions not answred. Reach me at … (5 comments)
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zero down: 100% Financing & Zero Down Home Loans Available Now - 10/22/07 07:20 PM
Due to the enourmous amount of inquiries about Las Vegas 100% Financing and Las Vegas Zero Down Home Loans, I have searched out yet another Loan Program that can help. If you are interested in purchasing a Las Vegas property with no money down or are in need of 100% Financing for … (0 comments)
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zero down: Stunning Traverse City Starter Home!!!!! - 10/20/07 10:27 AM
http://www.postlets.com/res/275330 Check out this awesome starter home! Located in Grawn just outside the City limits of TC! Close to 1000 of Acres of State Land, shopping, schools, parks and water! Built in 2001 this 1528 square foot house offers the first time buyer with limited money a chance to have it … (0 comments)
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zero down: The Real Estate Investor's Sidekick - How to Be the Magnate's Best Friend - 10/07/07 11:06 AM
Frank Schiefelbein
Home Loan Consultant
Countrywide Home Loans
847-894-1629 Cell
630-513-4815 Office Direct
866-905-7983 Fax
888-265-9824 Toll Free
http://www.frankforhomeloans.com/
frank_schiefelbein@countrywide.com
FREE PRE-APPROVALS!!!!
Lending available in ALL 50 states!
… (0 comments)
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zero down: IMAGINE THIS FOR A MOMENT - 10/02/07 01:27 PM
THESE THREE PROPERTIES ARE CURRENTLY LISTED FOR SALE WITHIN YOUR NEIGHBORHOOD. AND, THE SELLERS ARE WILLING TO CONTRIBUTE TOWARDS PAYING SOME OR ALL OF THE CLOSING COST.
SAMPLE HOUSE 1 : 199,000.00 SAMPLE HOUSE 2: 215,800.00 SAMPLE HOUSE 3: 235,700.00
100%FINANCING SELLER PAYS CLOSING FHA FINANCING
CLIENTS ARE DRAWN TO YOUR LISTING AS … (1 comments)
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zero down: Closed on Friday, September 21, 2007 - 100% Financing with a 536 middle score! - 09/23/07 09:36 PM
This sets a new personal-best record for me! Amazing that as the mortgage world is undergoing such turmoil that the opportunity would exist to help someone who has a 536 middle score buy their very first home with no money down.
Thank you to:
1. Fannie Mae's Expanded Approval Initiative
2. Washington Mutual
So the … (7 comments)
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zero down: Mr/Mrs. Rate Shopper - 09/12/07 11:07 AM
Dear Mr/Mrs. Rate Shopper,
I understand that you've been quoted at a lower interest rate than the number that I have submitted to you...however, have you considered the bigger picture? It's my belief that the broker who has lead you to believe that you are getting "the best deal available" doesn't … (0 comments)
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zero down: Bernanke to lower rates... - 09/12/07 10:57 AM
September 18th...is the Fed going to lower the rates?
In an effort to avoid a recession...the preliminary reports suggest that the Fed will lower the interest rates later this month. Is this too little - too late? I don't think so. My sentiments on Mr. Bernanke are high, as a matter of … (2 comments)
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zero down: The Best Down Payment Assistance Program in California? - 09/10/07 11:33 AM
I recently wrote about perhaps"The Best First Time Buyer Program in California". It's just one of the 100% financing options I have in the toolbox.
Amazingly this was the first that many agents had heard of it. I received calls from Agents and Buyers, and even other Loan Officers inquiring about the … (4 comments)
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zero down: Economic forecast - 09/03/07 01:44 PM
World Markets – StrategEcon
Containing Contagion
CONTAGION - When an economic crisis in one country's bond or equity markets spreads to other countries which experience the same problems. The term comes from the more general definition of contagion, which is a highly transmittable disease.
Just how damaging contagion effects will … (0 comments)
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zero down: Subprime is Gone... What do we do now? - 08/24/07 01:53 PM
Unless you have been living under a rock, you know that sub-prime lending is all but non-existent. Company after company have closed their doors. Even the big dogs, so to speak, are in trouble. Of those that survive there is talk of continuing to tighten underwriting guidelines. What's a girl to … (11 comments)
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zero down: Buy a Home With Zero Cash - 08/22/07 05:50 PM
Buy a Home With Zero Cash
The Zero Cash Down payment program offers you a way to buy a home with no down payment. That's right zero down payment. You may have owned a home before and are presently renting, or are a first time home buyer and need a way to … (0 comments)
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zero down: ExtraCredit Newsletter- August 2007- FREE Tickets to Nat. RE Investor Conference! - 08/14/07 01:30 PM
As always, there's a humor extra for those with the tenacity to read all the way to the end. Actually there are two this time around... BONUS! Hey There!
My partners and I have been invited to participate in the National Real Estate Investment Expo this weekend at the Los Angeles … (0 comments)
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zero down: Tampa homes Zero Down Payment - 07/25/07 04:52 PM
Want to know more about buying a home in the Greater Tampa Bay Area with Zero Down Payment?
We still have several Home Loan Options that offer NO MONEY down, and NOW is a better time than EVER before to buy a home with Absolutely ZERO DOWN PAYMENT.
Check out the link … (5 comments)
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zero down: Do your Realtors know their Clients don't need a down payment to buy a home? - 07/13/07 05:29 PM
Today I talked to a Realtor who is selling her home on a land contract because her buyers did not have enough money to put down. I asked her if she got tried to get them prequalified and she said no, they don't have a downpayment. She was not aware that … (2 comments)
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zero down: Your Clients Families Deserve a Pretty Michigan Home - 07/07/07 08:33 AM
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zero down: The Three Rules of Plumbing, Marriage, and Real Estate Investment Properties - 07/03/07 07:16 PM
I'll apologize right now for the "salesy' nature of this post, especially towards the end. It's a newsletter addendum that we sent out to our subscribers from the radio show, and well, a big part of the radio show is hooking up investors to investment opportunities, because, a) we are paid referral fees … (11 comments)
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zero down: 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)
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zero down: 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)
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zero down: 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)
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zero down: VA LAONS , Are your customers eligible? If so this is a great program with up to 100% Financing and No MI - 06/25/07 10:24 AM
VA Loans
VA guaranteed loans are made by lenders and guaranteed by the U.S. Department of Veteran Affairs (VA) to eligible veterans for the purchase of a home. The guaranty means the lender is protected against loss if you fail to repay the loan. In most cases, no down payment is required … (3 comments)
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zero down: Finding Useful Web Sites - 06/21/07 09:57 AM
Finding Useful Web Sites
By Frank Schiefelbein
Getting tired of all the hoopla about Web sites and all they can do to help you increase your home sales? Like it or not, this electronic pathway for streamlining real estate transactions is becoming the new paradigm for consumers and real estate professionals alike.
When … (0 comments)
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zero down: NEW Fannie Mae Programs Help Buyers - 06/06/07 12:17 PM
Fannie mae has some up with some great programs to assist buyers that may have trouble coming up with enough money to buy a home or move up to a larger home.
They are now offering 40 year ammortizations
Expanded Approvals for those people that don't have perfect credit history
Have programs that allow … (11 comments)
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zero down: What? You have no money down for your mortgage? - 05/28/07 10:22 AM
How do we judge those that put no money down? Do the sellers want to see more down? Do realtors get nervous when a buyer puts no money down? Tom Burris states, does that buyer get judged more than they should just based on their down payment?
So, when is the best … (30 comments)
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zero down: Protecting Your Credit During Divorce - 05/11/07 02:49 PM
By Frank Schiefelbein, Home Loan ConsultantCountrywide Home Loans
St. Charles, IL - When a marriage ends in divorce, the lives of those involved are changed forever. During this time of upheaval, one thing that shouldn't have to change is the credit status you've worked so hard to achieve.
Unfortunately, for many, the experience … (0 comments)
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zero down: Carl and Joan bought a house with no jobs!! - 05/08/07 10:18 PM
Carl and Joan bought a house with no jobs!!
I know this is hard to believe, but we recently helped a couple who were moving to the Burnaby area to be near their family, but did not have jobs yet....
They had sold their home in Kelowna, and e-mailed us to search for … (4 comments)
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zero down: “HELP – I Ran One Of Those Direct Response Ads And I Didn’t Get Any Calls!” - 05/07/07 12:37 PM
Lot’s of times I hear from people who tell me “I ran one of those direct response ads and I didn’t get any calls.” When I hear that I immediately go through this checklist with them, and we’re able to figure out why.
Who is your target market?Many times an ad will … (3 comments)
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zero down: Countrywide's "Fast Close" -- Closing Deals in 10 Days or Less - 05/03/07 12:26 PM
Countrywide's "Fast Close" -- Closing Deals in 10 Days or Lessby Frank Schiefelbein
Lending in ALL 50 states.
Timely closings have always been a goal of real estate and mortgage professionals. Today, technological advances and informed clients who demand faster results makes the speed of the deal more important than ever. Now, thanks … (2 comments)
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zero down: Do you have buyers who want to buy a home that needs updating? But No money for repairs... - 05/02/07 02:46 PM
If you have buyers looking to buy a home but it may need upgrades, this may be the answer:
What's the power of renovation financing? It's the ability to:
Turn a house into a dream home Buy a home that's in the right area but doesn't quite fit your family - yet … (0 comments)
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zero down: Zero down loan by marcbrownloans.com - 05/01/07 02:28 AM
A zero down loan is good when you don't have enough cash to pay your closing costs and make a down payment on the purchase of your home. It is also used to avoid paying Private Mortgage Insurance (PMI) costs.
Zero down programs allow you to buy your home now, instead of … (1 comments)
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zero down: Your Business is to Complicated! - 04/23/07 12:14 PM
Your Business is to Complicated!.
I know this because I hear it, and see evidence of it when I talkto Realtors and Lenders from all over.Almost without exception, you're trying to do too much.Spreading yourself too thin.When you try to do too much, cover too wide an area, serve toomany … (1 comments)
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zero down: The Countless Upsides of Zero Down; 100% Financing Offers No Downpayment, No MI, No Jumbo Pricing and More - 04/17/07 04:52 PM
The Countless Upsides of Zero Down; 100% Financing Offers No Downpayment, No MI, No Jumbo Pricing and More
By Frank SchiefelbeinMaybe you don't have the cash for a downpayment. Maybe you do, but would rather use the funds elsewhere. Either way, 100% financing could be the optimal solution for you to get … (1 comments)
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zero down: Tampa Mortgage | FHA, VA, Government Loans - 03/21/07 08:39 PM
FHA, VA mortgage in Tampa, or even in South Tampa...is this an option? Yes! In fact, it is a solution. As a direct lender, we are fortunate to have the capabilities to write government loans. Now, I have to sidebar and give you a bit of background about me to paint … (10 comments)
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zero down: What is happening with the subprime mortgage market? - 03/19/07 06:42 AM
Whether I am deal with customers here in Tampa, Florida or in Michigan, I am being asked this question on a regular basis..."What is going on with the subprime mortgage market?"
First, what is a subprime mortgage? For anyone who hasn't been in business for the past couple years, it was a great … (3 comments)
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zero down: Homebuyer Tip - Buying Real Estate With No Money Down - 03/10/07 12:57 PM
Can I buy real estate with no money down?
Yes. Millions of people have bought real estate with no money down through the VA loan program, or using conventional mortgage financing requiring zero down payment.
If you mean, can you buy real estate at a discount of 20% or 25% … (0 comments)
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zero down: A Better Way To Shop For Your Mortgage - 03/03/07 12:24 PM
Okay, you've done your homework. You didn't simply accept your bank's posted mortgage rate. One question got you an immediate one percent reduction. You even shopped around at a couple of competing banks. Now, with pre-approval in hand, you're a mortgage savvy consumer ready to go house hunting.
But wait a minute. … (0 comments)
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zero down: Private Mortgage Insurance Premiums Due To Increase In Florida - 12/05/06 04:57 PM
Radian, one of the country's leading credit risk management companies and a leading provider of private mortgage insurance (PMI) for home owners nationwide recently released an eBulletin announcing a change in policies regarding private mortgage insurance premiums in the state of Florida having certificate effective dates on or after January 1, … (8 comments)
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zero down: What Are Some of the Best Single Family Residence Home Mortgages Available Out There? - 11/05/06 03:04 PM
Always wanting to provide the best rate information to my clients to help them buy a home, I ask what are some of the best single family residence home mortgages available out there? I will start off with one to get us going.Acorn Housing loans are national and available right now … (0 comments)
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zero down: First time home buyers - 10/25/06 11:23 AM
When you are buying a home for the first time, the amount of new information in the marketplace can seem overwhelming. Since finance and real estate markets are changing constantly I will walk you through the process step by step to make sure nothing gets overlooked, including opportunities available only to … (0 comments)
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zero down: Flagstar Bank Advantage 103 Program - 09/06/06 10:52 PM
Good Credit. Smooth Transaction!
Introducing the Flagstar Bank Advantage 103 Program.
-- No Down Payment
-- Finance The Closing Costs Into the Loann (up to 3%)
-- Purchase Price up to $325,000
-- 30 Year Fixed Rate Loan and 5/1 ARM option available
… (0 comments)
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zero down: How Can My Client Avoid Paying PMI? 80/20s arent the only way - 08/25/06 09:48 AM
How can a client avoid paying PMI?
A. The Old Fashioned Way
1. Paying down your mortgage. PMI automatically drops off at a certain date specified in your mortgage, usually when your loan to value ratio reaches 79% of the original purchase price. This can take years though.
2. As you pay your … (1 comments)
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