Home Sales Accelerate During The “Dog Days of Summer”

Some Highlights:

Existing home sales have accelerated to the highest pace since February 2007 at an annual pace of 5.57 million.
Inventory of homes for sale remains below the historically normal 6-month mark at a 4.6-month supply, down 5.8% year-over-year.
Median home sales prices rose to $247,700, 4.8% higher than a year ago and replaced the previous peak in May of $238,900.

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Buying a home is now easier than it has been in years.

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The KEYS to your new home are within reach!

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Home Ownership is the #1 Way to Build Family Wealth

As the economy continues to improve, more and more Americans are seeing their personal financial situations also improving. Instead of just getting by, many are now beginning to save and find other ways to build their net worth. One way to dramatically increase their family wealth is through the acquisition of real estate.

For example, let’s assume a young couple purchased and closed on a $250,000 home in January. What will that home be worth five years down the road? Pulsenomics surveys a nationwide panel of over one hundred economists, real estate experts and investment & market strategists every quarter. They ask them to project how residential prices will appreciate over the next five years. According to their latest survey, here is how much value that $250,000 house will gain in the coming years.

Over a five-year period, that homeowner can build their home equity to over $40,000. And, in many cases, home equity is large portion of a family’s overall net worth.

Bottom Line

If you are looking to better your family’s long-term financial situation, buying your dream home might be a great option.

Buying a home is now easier than it has been in years.

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We can now Approve loans based on a new salary or new job BEFORE it happens!

Conventional loan rule changes have been tough on “Projected Income.”
Closings had to be delayed until a borrower received their 1st pay stub with the new raise, or AFTER they started a new job and received the 1st pay stub.

Teachers have especially had trouble buying a new home during summertime if they happen to be changing jobs and moving to a new school district.

FHA allows “projected income” from a raise or new job to a maximum of 30 days before the effective date.

But, now we can approve and close a Teacher’s or Relocating Executive’s home loan up to 90 days prior to the effective date of their raise or start date of employment.

Specific requirements must be met, such as written verification of the salary increase and the effective date of the increase. For a new job, the employment offer must be non-contingent, and the fully executed offer letter and borrower’s acceptance must be included in our file.

REALTORS – This program will make summer’s closings much easier!

Call us to get on a path to mortgage and credit qualification that will quickly lead to your new home.

Even if another Bank or Lender has said “NO,” we will work with you until we can say “YES.”

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What’s the fastest way to improve your credit score?

Brenna Swanson – Housingwire.com – Original Article

Call us for a FREE credit report and my expert analysis and recommendations for Loan Approval.

Spring home buying season is already well underway, so if you’re looking to improve your credit score, you’re already falling a step behind.

Time to play catch up. But how?

For home shoppers who need to improve their credit score ASAP to get a leg up againstcompetition or take better advantage of current-low rates, personal credit monitoring firm, Experian gave tips on what fast options are available in its recent Periscope. (Check here for the full video).

So what are 2 fast ways to improve credit score?

1. Make payments on time

This is very important: don’t be late on those payments. Show you are eager to reduce your debt and that you are actively engaged in trying to improve your credit score. For more advice on how to make this a reality. Check out the list we put further down on this very page.

2. Keep your credit utilization down

According to Rod Griffin, Experian’s director of public education, the ideal amount of credit utilization is less than 10%. Credit utilization is the percentage of a your available credit that you currently use. So, if you have a credit card with $10k limit, you should ideally hold an active balance at around $1k.

If you’re looking for more detailed answers, especially given that these are only your fastest two options, check out Experian’s “Ask Experian” website for more information.

For added help, here’s a quiz to find out how well you know your credit score.

Primer: How does credit reporting work?

In many ways, in this case, companies such as Experian keep track of how good you are at paying your bills.

FICO aggregates your credit behavior scores into ONE REPORT.

It is estimated that nearly 90% of lenders use the FICO report to some extent when it comes to improving credit.

Here’s advice from FICO on how to get your FICO score “repaired.” Note going to the actual site yields further advice:

1. Check your credit report

“If you haven’t already, request a free copy of your credit report and check it for errors. Your credit report contains the data used to calculate your score and it may contain errors.”

2. Setup payment reminders

“Also, consider enrolling in automatic payments through your credit card and loan providers to have payments automatically debited from your bank account,” FICO advises, but also warns, “this only makes the minimum payment on your credit cards and does not help instill a sense of money management.”

3. Reduce your debt now

“Come up with a payment plan that puts most of your available budget for debt payments towards the highest interest cards first, while maintaining minimum payments on your other accounts.”

Call us for a FREE credit report and my expert analysis and recommendations for Loan Approval.

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

Click Here to start your quick Free Credit Analysis & Loan App Now!

J. SCOTT HARRIS | VICE PRESIDENT & BRANCH MANAGER

Closing FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana
Gold Financial Services, Inc. is a Division of Amcap Mortgage, Ltd. NMLS #129122. Equal Housing Lender

————————————————-old One

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.

J. Scott Harris
Vice President – Mortgage Miracle Working – NMLS #375517

Closing FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

885 E. Collins Blvd. Suite 110
Richardson, TX 75081
24/7 Mobile: 214-435-8825

Secure Fax: 866-343-3688
Gold Financial Services, Inc. is a division of Amcap Mortgage, Ltd. NMLS# 129122

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The Ten Commandments of Buying a Home

(Submitted by a fan. Original Author unknown.)

Thou shalt not change jobs, become self-employed or quit your job.
Thou shalt not buy a car, truck or van (or you may be living in it)!
Thou shalt not use charge cards excessively or let your accounts fall behind.
Thou shalt not spend money you have set aside for closing.
Thou shalt not omit debts or liabilities from your loan application.
Thou shalt not buy furniture.
Thou shalt not originate any inquiries into your credit.
Thou shalt not make large deposits without first checking with your loan officer.
Thou shalt not change bank accounts.
Thou shalt not co-sign a loan for anyone.

You can trust us to deliver you into the Promised Land!

Click Here to start your quick Free Credit Analysis & Loan App Now!

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.

J. Scott Harris
Vice President – Mortgage Miracle Working – NMLS #375517

Closing FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

885 E. Collins Blvd. Suite 110
Richardson, TX 75081
24/7 Mobile: 214-435-8825
Secure Fax: 866-343-3688
Gold Financial Services, Inc. is a division of Amcap Mortgage, Ltd. NMLS# 129122

Follow @Harrisjscott
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68% of Americans destroy credit before age 30 – But, Home Buying Hope is not Lost

Have you made mistakes regarding your credit in the past? That could haunt you … for a long time.

A whopping 68 percent of Americans make at least one major financial mistake, or “credit fumble,” before turning 30, leading to a negative mark on their credit report, according to a Credit Karma survey.

These mistakes include overspending on credit cards, missing payments, defaulting on a loan or having an account sent into collections, the survey found.

The greater the offense, the longer it will reflect on your credit report, said Bethy Hardeman, chief consumer advocate at Credit Karma. In fact, it usually takes consumers seven to 10 years to erase negative marks from their credit, thanks to the Fair Credit Reporting Act.

“I think what a lot of people don’t realize … is how a missed payment can stay on your credit,” Hardeman said. “It can be one mistake that you don’t think is a big deal that can cost you thousands in the long run.”

Credit is an important factor in determining what kind of loans consumers receive, as well as whether they are approved for an apartment lease, Hardeman added.

The survey, released Thursday, found that 3 out of 4 respondents believed their credit-related mishaps have had a negative impact on their lives.

“These early mistakes can have a lingering impact on the quality of people’s lives, and we feel that with better, targeted education and learning tools for new-to-credit consumers, this cycle can be broken,” Kenneth Lin, Credit Karma’s founder and CEO, said in a statement.

There are many reasons why someone may end up with a negative mark on their credit history, but the biggest one is lack of education, Credit Karma found.

More than 50 percent of respondents said they had received their first credit card by age 21, but 72 percent said they had received no education about personal finances before going to college.

Hardeman said consumers should know “the long-term ramifications before you take out a credit card or take out a loan.”

Consumers also need to understand how their overall credit works, said Sean McQuay, credit cards expert at NerdWallet.

“Your credit shows how good you are at managing other people’s money, not your own,” he said.

One way consumers can regain proper footing on their credit is by applying for a secured credit card, McQuay said. “This gives you a chance to prove yourself … and over time, you can apply for more traditional credit cards.”

Secured credit cards work just like any other credit card. The only difference is the cardholder has to put up a certain amount of money as collateral, and his or her credit line will usually equal the collateral’s amount.

However, McQuay also said the consumer needs to be mindful of the risks involved with secure credit cards.

You need to have the cash on hand,” he said. “Even $100 can be a lot of money for someone to just give over.”

For the study, Credit Karma and research firm Qualtrics surveyed 1,051 American adults ages 31 to 44 from late November 2014 to early 2015.

Original Article

Buying a home is now easier than it has been in years.

Click Here to start your quick loan app Now!

Here’s the Bottom Line: If you have past credit problems, you can still buy a home. We will work with you to re-establish new credit and get qualified. It may take a little time, but we will put you on the path to home ownership and make sure you reach your destination!

Call us to get on a path to mortgage and credit qualification that will quickly lead to your new home.

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.

J. Scott Harris
Vice President – Mortgage Miracle Working – NMLS #375517

Closing FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

885 E. Collins Blvd. Suite 110
Richardson, TX 75081
24/7 Mobile: 214-435-8825
Secure Fax: 866-343-3688
Gold Financial Services, Inc. is a division of Amcap Mortgage, Ltd. NMLS# 129122

Follow @Harrisjscott
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When Is It A Good Time To Rent? Definitely NOT Now!

People often ask whether or not now is a good time to buy a home. No one ever asks when a good time to rent is. However, we want to make certain that everyone understands that today is NOT a good time to rent. The Census Bureau recently released their third quarter median rent numbers. Here is a graph showing rent increases from 1988 until today:

A recent Wall Street Journal article reports that rents rose “faster last year than at any time since 2007, a boon for landlords but one that has stoked concerns about housing affordability for renters.” The article also cited results from a recent Reis Inc report which revealed that average effective rents rose 4.6% in 2015, the biggest gain since before the recession. Over the past 15 years, rents have risen at a rate of 2.7% annually.

Where are rents headed?

Jonathan Smoke, Chief Economist at realtor.com recently warned that:

“Low rental vacancies and a lack of new rental construction are pushing up rents, and we expect that they’ll outpace home price appreciation in the year ahead.”

Bottom Line

According to the WSJ article:

“In general, the higher rents go, the more difficult it will be for young people to save for down payments, making them likely to rent even longer.”

One way to protect yourself from rising rents is to lock in your housing expense by buying a home. If you are ready and willing to buy, Call us and we can help determine if you are able to today!

Buying a home is now easier than it has been in years.

Click Here to start your quick loan app Now!

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.

J. Scott Harris
Vice President – Mortgage Miracle Working – NMLS #375517

Closing FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

885 E. Collins Blvd. Suite 110
Richardson, TX 75081
24/7 Mobile: 214-435-8825
Secure Fax: 866-343-3688
Gold Financial Services, Inc. is a division of Amcap Mortgage, Ltd. NMLS# 129122

Follow @Harrisjscott
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We will NEVER give up on your dream to buy a new home!

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Other Lenders and Realtors may not give you a second chance.

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Buying a home is now easier than it has been in years.

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Even is another Lender has said NO, we can help you.Call us to get on a path to mortgage and credit qualification that will quickly lead to your new home.

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.

J. Scott Harris
Vice President – Mortgage Miracle Working – NMLS #375517

Closing FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

885 E. Collins Blvd. Suite 110
Richardson, TX 75081
24/7 Mobile: 214-435-8825
Secure Fax: 866-343-3688
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Follow @Harrisjscott
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Existing U.S. Home Sales Rise to Second-Highest Since 2007

By Victoria Stilwell – Mortgage Professional America Magazine – 22 Oct 2015
Original Article

Closings on existing homes, which usually occur a month or two after a contract is signed, climbed 4.7 percent to a 5.55 million annualized rate, the National Association of Realtors said Thursday. The increase was entirely due to a jump in purchases of single-family dwellings.

Higher property values and improved job security are helping persuade more Americans to trade up and relocate, providing a source of support for the economy amid a global slowdown. Faster new-home construction that brings additional housing supply to the market is needed to lure first-time buyers and provide a further boost to the industry.

“The trend of steady improvement continues,” said Richard Moody, chief economist at Regions Financial Corp. in Birmingham, Alabama, who was among the closest forecasters of the housing data in a Bloomberg survey. “Consumers are feeling better and they’re becoming more willing to make that commitment, but it’s still more skewed to the upper-end of the market than we’d probably like it to be.”

The median forecast of a Bloomberg survey of economists called for 5.39 million. Estimates in the Bloomberg survey of 75 economists ranged from 5.25 million to 5.55 million. August’s rate was revised to 5.3 million from a previously reported 5.31 million.

Compared with a year earlier, purchases increased 8 percent in September on an unadjusted basis.

The median price of an existing home increased 6.1 percent to $221,900 from $209,100 in September 2014.

Here’s the Bottom Line: The Market is HOT HOT HOT !
Owning is cheaper than renting! Even is another Lender has said NO, we can help you.

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We close loans every day that Banks would not, or could not approve.

J. Scott Harris
Vice President – Mortgage Miracle Working – NMLS #375517

Closing FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

885 E. Collins Blvd. Suite 110
Richardson, TX 75081
24/7 Mobile: 214-435-8825
Secure Fax: 866-343-3688
Gold Financial Services, Inc. is a division of Amcap Mortgage, Ltd. NMLS# 129122

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

Category Archives: Home Buyer News

Home Sales Accelerate During The “Dog Days of Summer”

Some Highlights:

Home Ownership is the #1 Way to Build Family Wealth

Bottom Line

Memorial Day Special for All Our HEROES

We can now Approve loans based on a new salary or new job BEFORE it happens!

What’s the fastest way to improve your credit score?

The Ten Commandments of Buying a Home

68% of Americans destroy credit before age 30 – But, Home Buying Hope is not Lost

When Is It A Good Time To Rent? Definitely NOT Now!

Where are rents headed?

Bottom Line

We will NEVER give up on your dream to buy a new home!

Existing U.S. Home Sales Rise to Second-Highest Since 2007