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Each month AR runs numerous contests as a way for our members to engage in activities
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These state pages or hyper-local pages provide content directly related to a specific geographical location.
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I saw this post and went into to see my lead buyers agent to see how this would work for us. Joyce says that Keith has explained it very well but that here in Pensacola, Pace and Gulf Breeze we have several programs that will get buyers a 100% loan. So call Joyce and get to work on the specifics and let us get you moving.
Charles Stallions, CRS, CSP, CBR, CDPS, SREE, EREI - 800-309-3414
Charles is a Real Estate Investor of 25 years, a Real Estate Broker for 15 years while holding several degrees in management, an expert in the buying and selling of real estate. Whether you’re buying your first home, second home, vacation home, investing in rentals, a kiddie condo for college or your dream home, buying any home is an investment in the future and you owe it to yourself to have Charles’s expertise to buy right and make the right decisions for YOU. For over the phone evaluation and NO Obligation CALL NOW! you have OPTIONS, we have FACTS, let’s TALK
FHA Mortgages allow borrowers to use Gift Funds to meet the 3.5% down payment requirement. When using Gift Funds to purchase a home it is important that Gift Funds be documented properly to avoid any issues with the FHA underwriting process. The primary intention of these rules is too make sure that the FHA borrower is not also borrowing their required 3.5% downpayment and that these funds truly are a gift.
Acceptable souces for these gifts
a borrower's relative
a close friend with a clearly defined and documented interest in the borrower
a charitable organization
a government program that provides down payment assistance
How to accurately document these funds is as follows...
If the gift funds ...
Then the lender must ...
Are already in the borrower’s account
·a copy of the withdrawal document showing that the withdrawal was from the donor’s account
·the borrower’s deposit slip
·bank statement showing the deposit
Are to be provided at closing, and
·are in the form of a certified check from the donor’s account
·a bank statement showing the withdrawal from the donor’s account, and
·copy of the certified check
Are to be provided at closing, and
·are in the form of a cashier’s check, money order, official check, or other type of bank check
· have the donor provide a withdrawal document or cancelled check for the amount of the gift, showing that the funds came from the donor’s personal account
Why Pay More To Get Less?
Charles Stallions Real Estate Services charges a flat fee of $2995 or $1495 PLUS 3% if you want to be in the MLS. What do you get? Our 27 step program. . includes print advertising in the #1 magazines, 8 or more websites for homes for sale. Open Houses, Tour Of Homes -Auction style, Lots of signage, Realtor Alerts and much more. Call 800-309-3414 for over the phone details with no obligations.
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.