fha: FHA ALLOWS UP TO $35,000 FOR HOME REPAIRS THROUGH STREAMLINE (K) IN ROSEVILLE, CA. - 07/01/12 05:07 PM
FHA ALLOWS UP TO $35,000 FOR HOME REPAIRS THROUGH STREAMLINE (K) IN ROSEVILLE, CA.   FHA’s Limited Repair Program "Streamline (k)" makes FHA-Insured loans more attractive for properties that are sold in “as-is” condition.  Sellers can market their property without making any repairs and the buyer can financing up to $35,000 in required and optional repairs at close of escrow, before moving into their new home.
The Streamline (k) program is primarily for basic repairs, working ideally for Bank Owned or REO properties needing uncomplicated repairs or remodeling.   A General Contractor is NOT required, but licensed or bonded contractors are required to be … (11 comments)

fha: DOWN PAYMENT ASSISTANCE IS VERY POPULAR IN ROSEVILLE, CALIFORNIA. - 07/01/12 04:25 PM
DOWN PAYMENT ASSISTANCE IS VERY POPULAR IN ROSEVILLE, CALIFORNIA.   Moderate Income Buyers can now receive Down Payment Assistance for their Home Purchases using FHA Financing through VITEK Mortgage Group.  Saving funds for a down payment has always been a challenge and this can delay a buyer’s ability to qualify for a new home mortgage while interest rates and prices are still low.
FHA Home Loans require a 3.5% down payment.  These funds must come from the buyer’s funds, a gift from a Relative, a loan or withdrawal from the buyers 401K or other retirement account, or from an approved “Down Payment … (2 comments)

fha: CalPERS MEMBERS NOW ELIGIBLE FOR DISCOUNTS IN ROSEVILLE, CALIFORNIA. - 06/27/12 07:41 PM
CalPERS MEMBERS NOW ELIGIBLE FOR DISCOUNTS IN ROSEVILLE, CALIFORNIA.  California Public Employees can now take advantage of substantial discounts on Lender Fees when they purchase a home or refinance their existing mortgage.  VITEK Mortgage Group, a Direct Lender in Roseville, California, is now offering CalPERS Members a rare opportunity to save 50% off the normal lender fees.  Combined with historically low interest rates and the lowest home prices in years, the cost of home ownership has just taken a turn for the better.
These Lender Discounts can be applied to most loan programs, including VA, FHA and Conventional financing.  For Members … (3 comments)

fha: HOW LONG DOES A VETERAN HAVE TO WAIT AFTER A SHORT SALE, TO PURCHASE A HOME IN ROSEVILLE, CA? - 06/25/12 09:26 PM
HOW LONG DOES A VETERAN HAVE TO WAIT AFTER A SHORT SALE, TO PURCHASE A HOME IN ROSEVILLE, CA?   OK, so you’re a Veteran and you ran into some financial problems like everyone else.   You had to sell your home using a short sale.  You’re watching homes in the Roseville area selling at unbelievably low prices that haven’t been seen in years.  Interest rates are so low that the monthly payment to purchase something like you had would be less than what you are now paying for rent.
You really want to buy another home but you think you’re stuck because … (18 comments)

fha: CROSSING THE 200,000 POINT MILESTONE - 06/24/12 05:03 PM
CROSSING THE 200,000 POINT MILESTONE
I just crossed over the threshold of 200,000 points, another milestone in a series of personal achievements over the past 17 months since I joined Active Rain.
I’ve attended a Rain Camp, three meet ups, posted 78 blogs with 7 features and I've made 4650 comments on other’s blogs. I've received over 1,000 comments on my blogs, called 25 shots and made many friends all over the US and Canada. I’m still quite a “lightweight” by comparison with many of the other members, but coming from not having a clue, I feel I’ve come a long … (76 comments)

fha: GOOD NEWS! IT’S EASY TO REFINANCE IF YOU’VE PLAYED BY THE RULES - 03/12/12 05:02 AM
 GOOD NEWS!  IT’S EASY TO REFINANCE IF YOU’VE PLAYED BY THE RULES
 I keep reading articles about how difficult it is to refinance a home mortgage in today’s lending environment and I ask myself, “Why aren’t more people getting the word about the availability of the current loan programs”.
More opportunities exist today than ever before if you’re looking to refinance your home.  For those who have played by the rules, made their payments on time and kept their credit clear, there are several great options available for refinancing at today’s low rates. 
 
VETERANS
EXISTING VA LOANS  are eligible for a Streamline Rate Reduction … (20 comments)

fha: WHO DO YOU TRUST...and WHY SHOULD YOU TRUST ME? - 01/10/12 03:58 PM
 WHO DO YOU TRUST...and WHY SHOULD YOU TRUST ME?
TRUST is not something to be taken lightly.
It’s not something you can buy, and it can turn to dust if not properly maintained.  It takes a great deal to earn it, but it can be lost in an instant. What is trust and how do we get it in the first place?
 
We are all born innocent and we immediately trust everyone.   Initially that can be a good thing until we get a little older and it becomes something dangerous in the world we live in.  At some point, we all have … (49 comments)

 
Doug Bullwinkel, Mortgage Loan Originator NMLS #281609 (Envoy Mortgage,NMLS ID 6666)

Doug Bullwinkel

Mortgage Loan Originator NMLS #281609

Sacramento, CA

More about me…

Envoy Mortgage,NMLS ID 6666

Address: 3017 Douglas Blvd., Suite 300, Roseville, CA, 95661

Office: (916) 295-0044

Email Me



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