First time buyer – Question on Home Values

We are in the market to purchasing a new home and liked a home that has been remodeled. I have a friend who told us that no matter if a seller has done a remodeling of the home the value of the house will not affect the value of the property that is listed on the county’s appraisal website. Does this mean that the house that is remodeled is not more than $84,000 and we make an offer that amount? Any feedback and help would greatly be appreciated.

ANSWER

J. Harris, “jscottharris” Lender

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The only true value of a home is what a willing buyer and a willing seller will pay. Lenders & Realtors use comparable sales within the last 6 months to estimate a value of a home.

Once a buyer and seller have agreed on a price, the lender will order an appraisal to verify the price is supported with verified sales in order for the mortgage to be approved.

Generally, the TAX value lags in a rising market and never goes down in a declining market.. (sarcastic tax joke)
YOU CAN BUY A HOME, CALL US AND TAKE THE RIGHT STEPS.

Click Here to start your quick Free Credit Analysis & Pre-Qualify Now!

J. SCOTT HARRIS | DIVISION VICE PRESIDENT & BRANCH MANAGER
NMLS ID# 375517 (www.nmlsconsumeraccess.org)
(M) 214.435.8825 | (F) 866.343.3688
jharris@goldfinancial.com | www.goldfinancial.com | Pre-Qualify Now

LinkedIn | Facebook | Twitter | JSH BLOG – News & Articles www.MortgageXperts.com

885 E Collins Blvd Ste 110
Richardson, TX 75081

My Branch Closes FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

Gold Financial Services is a Division of Amcap Mortgage, Ltd. NMLS #129122. Equal Housing Lender

J. Scott Harris is a Nationally Recognized Mortgage & Social Media Authority.

Mortgage after Chapter 13 Bankruptcy?

I’ve have been recently discharged from chapter 13 and have a co-signer with good credit. My credit rating is 668. The loan is now with underwriting. What is the likely hood of getting the loan?

J. Harris, “jscottharris” Lender

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FHA allows BK 13 loan approvals after 12 months of payments DURING the BK, with the Judge’s approval, or once it is discharged, assuming 580+ credit scores and meeting all other normal requirements.
FHA allows a co-borrower who will occupy the home with you, or a non-occupant co-borrower if you both can qualify with your debt and new house payment plus their debt and current housing expense.

We can help you! Call me to discuss your options!

YOU CAN BUY A HOME, CALL US AND TAKE THE RIGHT STEPS.

Even if another Bank or Lender has said “NO,” we will work with you until we can say “YES.” If you have already started in our Qualification Coaching Program, call us, so we can check your progress!

Call us 1st to AVOID mortgage problems,
Call us 2nd to SOLVE them!

Click Here to start your quick Free Credit Analysis & Pre-Qualify Now!

LinkedIn | Facebook | Twitter | JSH BLOG – News & Articles www.MortgageXperts.com

885 E Collins Blvd Ste 110
Richardson, TX 75081

My Branch Closes FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

Gold Financial Services is a Division of Amcap Mortgage, Ltd. NMLS #129122. Equal Housing Lender

J. Scott Harris is a Nationally Recognized Mortgage & Social Media Authority.

Looking for a lender that can do a VA Loan with a low credit score in Texas.

J. Harris, “jscottharris” Lender

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We can do VA loans at 580+, many lenders say they can. But, we actually DO close them every month.

I am in Dallas and would be happy to work for you.

YOU CAN BUY A HOME, CALL US AND TAKE THE RIGHT STEPS.

The KEYS to your new home are within reach! Call us 1st to AVOID mortgage problems, Call us 2nd to SOLVE them!

Click Here to start your quick Free Credit Analysis & Pre-Qualify Now!

LinkedIn | Facebook | Twitter | JSH BLOG – News & Articles www.MortgageXperts.com

885 E Collins Blvd Ste 110
Richardson, TX 75081

My Branch Closes FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

Gold Financial Services is a Division of Amcap Mortgage, Ltd. NMLS #129122. Equal Housing Lender

J. Scott Harris is a Nationally Recognized Mortgage & Social Media Authority.

My husband and i have poor credit but a large down payment are there any lenders willing to help us

J. Harris, “jscottharris” Lender

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We close loans at 580 and above. Having a large amount to put down opens up your options. I would 1st review your credit report and determine if we can make some recommendation to quickly raise your credit scores. Often paying down credit card balances and doing a re-score can jump your scores quite a bit.

If that doesn’t work, there are non-QM loans, private money loans that might be an acceptable “short term solution” to acquire the home you really want, make your payments and re-establish your credit and other qualifications, then refinance 6 to 12 months down the road.

I would be happy to review your situation and give you some solutions.

YOU CAN BUY A HOME, CALL US AND TAKE THE RIGHT STEPS.

Call us 1st to AVOID mortgage problems, all us 2nd to SOLVE them!

Click Here to start your quick Free Credit Analysis & Pre-Qualify Now!

LinkedIn | Facebook | Twitter | JSH BLOG – News & Articles www.MortgageXperts.com

885 E Collins Blvd Ste 110
Richardson, TX 75081

My Branch Closes FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

Gold Financial Services is a Division of Amcap Mortgage, Ltd. NMLS #129122. Equal Housing Lender

J. Scott Harris is a Nationally Recognized Mortgage & Social Media Authority.

If I’m renting a house now, can I get an inspection done before I consider buying this house?

Your Answer

J. Harris, “jscottharris”Lender

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That would be a great investment to be sure the electrical, plumbing, HVAC, roof and foundation are in solid working order. It could also strengthen your negotiations with the seller. I would also recommend getting a 1 year home warranty, which you can negotiate for the seller to pay for, to make sure any major break downs are covered.

(google HWA for more info)

YOU CAN BUY A HOME, CALL US AND TAKE THE RIGHT STEPS.

The KEYS to your new home are within reach! Call us 1st to AVOID mortgage problems, Call us 2nd to SOLVE them!

Click Here to start your quick Free Credit Analysis & Pre-Qualify Now!

LinkedIn | Facebook | Twitter | JSH BLOG – News & Articles www.MortgageXperts.com

885 E Collins Blvd Ste 110
Richardson, TX 75081

My Branch Closes FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

Gold Financial Services is a Division of Amcap Mortgage, Ltd. NMLS #129122. Equal Housing Lender

J. Scott Harris is a Nationally Recognized Mortgage & Social Media Authority.

Just issued another Pre-Approval. Buyer was FAR from qualified 10 months ago.

Just issued another Pre-Approval. Buyer was FAR from qualified 10 months ago.
We cannot always say YES right away, but we will ALWAYS work with you to get to the YES!

Next call is to the Realtor who referred, but has probably forgotten about this BUYER!
Hope they are not busy this weekend!

Call us 1st to AVOID mortgage problems,

Call us 2nd to SOLVE them!

Click Here to start your quick Free Credit Analysis & Pre-Qualify Now!

J. SCOTT HARRIS | DIVISION VICE PRESIDENT & BRANCH MANAGER
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(M) 214.435.8825 | (F) 866.343.3688
jharris@goldfinancial.com | www.goldfinancial.com | Pre-Qualify Now

LinkedIn | Facebook | Twitter | JSH BLOG – News & Articles www.MortgageXperts.com

885 E Collins Blvd Ste 110
Richardson, TX 75081

My Branch Closes FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

Gold Financial Services is a Division of Amcap Mortgage, Ltd. NMLS #129122. Equal Housing Lender

J. Scott Harris is a Nationally Recognized Mortgage & Social Media Authority.

Do You Know the Real Cost of Renting vs. Buying?

YOU CAN BUY A HOME, CALL US AND TAKE THE RIGHT STEPS.

The KEYS to your new home are within reach! Call us 1st to AVOID mortgage problems, Call us 2nd to SOLVE them!

Click Here to start your quick Free Credit Analysis & Pre-Qualify Now!

J. SCOTT HARRIS | DIVISION VICE PRESIDENT & BRANCH MANAGER
NMLS ID# 375517 (www.nmlsconsumeraccess.org)
(M) 214.435.8825 | (F) 866.343.3688
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885 E Collins Blvd Ste 110
Richardson, TX 75081

My Branch Closes FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

Gold Financial Services is a Division of Amcap Mortgage, Ltd. NMLS #129122. Equal Housing Lender

J. Scott Harris is a Nationally Recognized Mortgage & Social Media Authority.

The Great News About Rising Prices for Homeowners

Recently there has been a lot of talk about home prices and if they are accelerating too quickly. As we mentioned before, in some areas of the country, seller supply (homes for sale) cannot keep up with the number of buyers out looking for a home, which has caused prices to rise.

The great news about rising prices, however, is that according to CoreLogic’s US Economic Outlook, the average American household gained over $11,000 in equity over the course of the last year, largely due to home value increases.

The map below was created using the same report from CoreLogic and shows the average equity gain per mortgaged home from June 2015 to June 2016 (the latest data available).

For those who are worried that we are doomed to repeat 2006 all over again, it is important to note that homeowners are investing their new-found equity in their homes and themselves, not in depreciating assets.

The added equity is helping families put their children through college, invest in starting small businesses, allowing them to pay off their mortgage sooner or move up to the home that will better suit their needs now.

Bottom Line

CoreLogic predicts that home prices will appreciate by another 5% by this time next year. If you are a homeowner looking to take advantage of your home equity by moving up to your dream home, contact an agent in your area to discuss your options!
YOU CAN BUY A HOME, CALL US AND TAKE THE RIGHT STEPS.

The KEYS to your new home are within reach! Call us 1st to AVOID mortgage problems, Call us 2nd to SOLVE them!

Click Here to start your quick Free Credit Analysis & Pre-Qualify Now!
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J. SCOTT HARRIS | DIVISION VICE PRESIDENT & BRANCH MANAGER
NMLS ID# 375517 (www.nmlsconsumeraccess.org)
(M) 214.435.8825 | (F) 866.343.3688
jharris@goldfinancial.com | www.goldfinancial.com | Pre-Qualify Now

LinkedIn | Facebook | Twitter | JSH BLOG – News & Articles www.MortgageXperts.com

885 E Collins Blvd Ste 110
Richardson, TX 75081

My Branch Closes FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

Gold Financial Services is a Division of Amcap Mortgage, Ltd. NMLS #129122. Equal Housing Lender

J. Scott Harris is a Nationally Recognized Mortgage & Social Media Authority.

Many Home Sellers are hesitant about listing their home and might not tell you why…

What if their home sells, but they cannot qualify to buy a new one!

I just spoke with a self-employed prospect that was concerned about his credit scores due to hard times in the 2008 – 2010 recession.

He has significant equity in his $600,000 current home and is ready to down size to the $350,000 range, now that his kids are going to college.

With scores are in the low 600’s, he has reason to be concerned.

But, after going through his application, reviewing his credit report and 1040’s, I was able to calm the fears and give them the confidence to move forward.

We came up with a plan that allows them to significantly reduce their housing expense and maintenance, re-capitalize home equity into investments and debt reduction and avoid burdening the kids with student loan debt.

Smart Realtors count on us to provide Solutions, every day!

The KEYS to your new home are within reach! Call us 1st to AVOID mortgage problems, Call us 2nd to SOLVE them!

Click Here to start your quick Free Credit Analysis & Pre-Qualify Now!
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J. SCOTT HARRIS | DIVISION VICE PRESIDENT & BRANCH MANAGER
NMLS ID# 375517 (www.nmlsconsumeraccess.org)
(M) 214.435.8825 | (F) 866.343.3688
jharris@goldfinancial.com | www.goldfinancial.com | Pre-Qualify Now

LinkedIn | Facebook | Twitter | JSH BLOG – News & Articles www.MortgageXperts.com

885 E Collins Blvd Ste 110
Richardson, TX 75081

My Branch Closes FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

Gold Financial Services is a Division of Amcap Mortgage, Ltd. NMLS #129122. Equal Housing Lender

J. Scott Harris is a Nationally Recognized Mortgage & Social Media Authority.

Homeownership Desire Increases for 2017

The desire to pursue homeownership has not abated. A new report from Bankrate.com determined that 59 million American adults (one in four) are considering buying a home this year. Furthermore, almost two in five minorities affirmed at least some likelihood of buying a house in 2017, more than double the percentage of white Americans who responded the same way. And 20 percent of older Millennials (ages 27-36) and Gen Xers (37-52) indicated they are very or somewhat likely to take the plunge.

“Among millennials, there’s a lot of pent-up demand for home buying,” said Holden Lewis, Bankrate.com’s senior mortgage analyst. “They have been stymied by stagnant wages, student loans and a lack of available starter homes. If enough affordable homes are put on the market, we might see a surge of first-time homebuyers in their early to mid-30s.”

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YOU CAN BUY A HOME, CALL US AND TAKE THE RIGHT STEPS.

The KEYS to your new home are within reach! Call us 1st to AVOID mortgage problems, Call us 2nd to SOLVE them!

Click Here to start your quick Free Credit Analysis & Pre-Qualify Now!

LinkedIn | Facebook | Twitter | JSH BLOG – News & Articles www.MortgageXperts.com

885 E Collins Blvd Ste 110
Richardson, TX 75081

My Branch Closes FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

Gold Financial Services is a Division of Amcap Mortgage, Ltd. NMLS #129122. Equal Housing Lender

J. Scott Harris is a Nationally Recognized Mortgage & Social Media Authority.

J. Scott Harris – MortgageXperts.com

Call us 1st to AVOID mortgage problems, Call us 2nd to SOLVE them! We close loans every day that Banks would not, or could not approve. NMLS # 375517 – Mobile 214-435-8825

First time buyer – Question on Home Values

Mortgage after Chapter 13 Bankruptcy?

Looking for a lender that can do a VA Loan with a low credit score in Texas.

My husband and i have poor credit but a large down payment are there any lenders willing to help us

If I’m renting a house now, can I get an inspection done before I consider buying this house?

Your Answer

Just issued another Pre-Approval. Buyer was FAR from qualified 10 months ago.

Do You Know the Real Cost of Renting vs. Buying?

The Great News About Rising Prices for Homeowners

Bottom Line

Many Home Sellers are hesitant about listing their home and might not tell you why…

Homeownership Desire Increases for 2017