home loan: Mortgage Approval After Bankruptcy - St. Louis and Kansas City MO - 04/21/16 11:58 PM
Mortgage Approval   
After Your
Bankruptcy
St. Louis, Kansas City
Springfield, Columbia
and Missouri
 
 
You Are Not Alone
I recall the feelings that ran through me when I felt compelled to file for a Chapter 7 bankruptcy, I felt as though I was an outcast and ashamed that I could not handle my obligations. For a very long time I barely admitted it to myself much less my friends.
Now I realize that I did not have a solid handle on my finances and it took a couple small set backs to put me into the position of bankruptcy. … (3 comments)

home loan: Experience- The KEY to closing a FHA 203k Renovation Loan in 45 days - 05/18/13 11:30 AM
   
 
 
The Key To Successfully Closing A FHA 203k Renovation Mortgage In 45 Days or Less is......  
 
EXPERIENCE!
 
 
Yes, it is possible, regardless of your experiences in the past or what you have heard it is possible to close an FHA 203k Renovation Home Loan in 45 days, maybe less.
 
If you don't know the experience level of your FHA 203k Renovation Team you are only asking for trouble, delays and the risk of the loan never closing period. And just because you found it on the internet doesn't make it true.
 
(1 comments)

home loan: The #1 Best First Time Home Buyer Mortgage - St. Charles and St. Louis - 05/08/13 05:32 AM

 
What is the best
first time home buyer
mortgage?
 
 
 
 
'What mortgage programs are available for first time home buyers?', I have been a mortgage lender in the St. Louis and St. Charles Mo area for going on 20 years and I seem to be asked that question nearly every day.
 
That question has meant many different things to the person who was asking, they were looking for easier qualification, less down payment requirement, no down payment, down payment assistance, lower credit scores and so many other things.
 
In my 20 years … (2 comments)

home loan: Writing a Sales Contract with FHA 203k Financing - 05/01/13 06:15 AM

HOW TO WRITE A SALES CONTRACT WITH FHA 203K FINANCING IN ST. LOUIS AND ST. CHARLES MO.  
This article is written by a Mortgage Loan Officer who has no experience writing real estate sales contract but has closed 100s of FHA 203k Renovation mortgages plus HomePath Renovation and HomeStyle Renovation loans over a 15 year career. My experience as a Renovation Mortgage Specialist and Certified FHA 203k Specialist provides a unique insight that has assisted many home buyers and their real estate agent with this highly useful and unique mortgage program.
 
FHA 203k in the St. Louis and St. … (1 comments)

home loan: Home Remodeling and Improvement Loans in St. Louis and St. Charles Mo - 06/17/12 10:45 PM
With interest rates so low Home Remodeling or Home Improvement loans are becoming very popular again. You have owned your home in the St. Louis and/or St. Charles Mo area for a long time, a short time or some where in-between and you are considering making improvements to the home. You have many choices available to you as to how to pay for this expense, you can use your own savings, put it on a credit card, use your contractor's financing, get a home equity line of credit, or you can refinance your current mortgage and receive the money to fix … (3 comments)

home loan: Getting a new home with low income and/or poor credit - St. Louis and St. Charles MO - 08/10/11 08:09 AM
Home Loans for Those with Poor Credit and Low Income – St. Charles and St. Louis Missouri
A low income coupled with a poor credit history does not necessarily make you ineligible for a home loan. Please, notice I used the word Poor and not Bad. Bad credit can stop you from getting a mortgage now but possibly not later down the road.
Steady Employment and Salary Requirements
Most often, because it is indeed a different way of life, loans for folks with bad credit and low incomes are more often used in rural communities, but not always, first … (4 comments)

home loan: FHA - Closing Costs and Down Payment Help - St. Charles and St. Louis Mo - 07/22/11 09:24 AM

 
Your money will help you more when it is in your pocket and not the pocket of your mortgage lender. Most home buyers today whether they are first time home buyers or move up buyers are finding it difficult to keep their savings or coming up with the funds to close or for the down payment.
Are you a First Time Home Buyer? Move Up Buyer? Are you looking for a low down payment mortgage program? Do you need the seller of your next new home to pay for closing costs? Are you going to utilize FHA, USDA/Rural Development … (0 comments)

home loan: The FHA 203k the BEST HOME LOAN for First Time Home Buyers in St. Charles Mo, St. Louis Mo and the State of Missouri - 01/18/11 03:59 AM
 
THE FHA 203k Renovation Loan Program
I work with a lot of First Time Home Buyers throughout St. Charles, St. Louis and the State of Missouri helping them secure financing for their first new home, and I enjoy it quite a bit. There are always specific questions that I get when I initially start working for a First Time Home Buyer, one question I am asked a lot is; what are the best first time home buyer programs? My standard answer is, there isn't any first time home buyer programs, but that answer isn't entirely true.
There are several mortgage programs … (0 comments)

 
Bob Rutledge, FHA 203k - USDA - FHA - Down Payment Assistance (USA Mortgage)

Bob Rutledge

FHA 203k - USDA - FHA - Down Payment Assistance

Saint Louis, MO

More about me…

USA Mortgage

Address: 12140 Woodcrest Executive Drive, Suite 150, St. Louis, Mo, 63141

Office: (314) 628-2218

Mobile: (314) 913-9678

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