61% of First-Time Buyers Put Down Less than 6%

According to the National Association of Realtors’ latest Realtors Confidence Index, 61% of first-time homebuyers purchased their homes with down payments below 6% from October 2016 through November 2017.

Many potential homebuyers believe that a 20% down payment is necessary to buy a home and have disqualified themselves without even trying. The median down payment for all buyers in 2017 was just 10% and that percentage drops to 6% for first-time buyers.

Zillow Senior Economist Aaron Terrazas’ recent comments shed light on why buyer demand has remained strong,

“Looking into 2018, rent is expected to continue gaining. More widespread rent growth could mean home buying demands stay high, as renters who can afford it move away from the unpredictability of rising rents toward the relative stability of a monthly mortgage payment instead.”

It’s no surprise that with rents rising, more and more first-time buyers are taking advantage of low-down-payment mortgage options to secure their monthly housing costs and finally attain their dream homes.

Bottom Line

If you are one of the many first-time buyers who is not sure if you would qualify for a low-down payment mortgage, consult a local real estate professional who can set you on your path to homeownership!
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,
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Click Here to start your quick Free Credit Analysis & Loan App Now!

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NMLS # 375517 – NMLS # 877007
www.MortgageXperts.com

J. Scott Harris

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Branch Manager

6900 Dallas Parkway #610
Plano, TX 75024

M: 214-435-8825 | F: 972-696-7810

NMLS# 375517 | Company NMLS # 3274

Equal Housing Lender

Ranked #1 Highest in Customer Satisfaction with Primary Mortgage Originations â€“ J.D. Power

2 Major Myths Holding Back Home Buyers

Urban Institute recently released a report entitled, “Barriers to Accessing Homeownership,” which revealed that “eighty percent of consumers either are unaware of how much lenders require for a down payment or believe all lenders require a down payment above 5 percent.”

Myth #1: “I Need a 20% Down Payment”

Buyers often overestimate the down payment funds needed to qualify for a home loan. According to the same report:

“Consumers are often unaware of the option to take out low-down-payment mortgages. Only 19% of consumers believe lenders would make loans with a down payment of 5% or less… While 15% believe lenders require a 20% down payment, and 30% believe lenders expect a 20% down payment.”

These numbers do not differ much between non-owners and homeowners; 39% of non-owners believe they need more than 20% for a down payment and 30% of homeowners believe they need more than 20% for a down payment.

While many believe that they need at least 20% down to buy their dream home, they do not realize that programs are available that allow them to put down as little as 3%. Many renters may actually be able to enter the housing market sooner than they ever imagined with programs that have emerged allowing less cash out of pocket.

Myth #2: “I Need a 780 FICO® Score or Higher to Buy”

Similar to the down payment, many either don’t know or are misinformed about what FICO^® score is necessary to qualify.

Many Americans believe a ‘good’ credit score is 780 or higher.

To help debunk this myth, let’s take a look at Ellie Mae’s latest Origination Insight Report, which focuses on recently closed (approved) loans.

As you can see in the chart above, 53.5% of approved mortgages had a credit score of 600-749.

Bottom Line

Whether buying your first home or moving up to your dream home, knowing your options will make the mortgage process easier. Your dream home may already be within your reach.
YOU CAN BUY A HOME, CALL US AND TAKE THE RIGHT STEPS.

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!

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NMLS # 375517 – NMLS # 877007
www.MortgageXperts.com

J. Scott Harris

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Branch Manager

6900 Dallas Parkway #610
Plano, TX 75024

M: 214-435-8825 | F: 972-696-7810

NMLS# 375517 | Company NMLS # 3274

Equal Housing Lender

Study Shows “Millennials Deserve More Credit”

When it comes to talking about millennials, there are many stereotypes out there that have influenced the way the public feels about the generation. Whether it’s the assumption that millennials are irresponsible with money and would rather buy avocado toast than save for a down payment, or that millennials jump from job to job, the majority of these stereotypes paint the generation in a negative light.

A new study by Bank of America entitled Better Money Habits Millennial Report recently came to the defense of the generation when it reported that:

“Millennials deserve more credit – both from themselves and from others – for their mindfulness when it comes to money and their lives.”

Here are some key takeaways from the study proving that millennials deserve more credit for what they are already doing:

63% are saving – (47% have $15,000 or more in savings)
54% are budgeting – (73% who have a budget stick to it every month)
57% have a savings goal – (67% who have a goal stick to it every month)
46% have asked for a raise in the past 2 years – (80% who asked for a raise got one)
59% feel financially secure – (16% have $100,000 or more in savings)

Many have wondered if millennials even want to own their own homes or if they would choose to rent instead. Well, not only do they want to own their own homes, but many already do and are looking to trade up! A recent study by realtor.com shows that 49% of Americans who plan to sell their home in the next 12 months are millennials!

Danielle Hale, realtor.com’s Chief Economist, gave some insight into why millennials are looking to sell,

“The housing shortage forced many first-time homebuyers to consider smaller homes and condos as a way to literally get their foot in the door. Our survey data reveals that we may see more of these homes hitting the market in the next year.”

Bottom Line

Not every millennial fits into the stereotypes that are so prominent in our society. Those who have risen above the stereotype are ready and willing to buy a home of their own, and many others already have!

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

Call us 1st to AVOID mortgage problems,
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Click Here to start your quick Free Credit Analysis & Loan App Now!

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NMLS # 375517 – NMLS # 877007
www.MortgageXperts.com

J. Scott Harris

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6900 Dallas Parkway #610
Plano, TX 75024

M: 214-435-8825 | F: 972-696-7810

NMLS# 375517 | Company NMLS # 3274

Equal Housing Lender

Low Inventory Pushes Home Prices Higher

According to CoreLogic’s latest Home Price Index, prices appreciated by 6.9% year-over-year from December 2016 to December 2017 on a national level. This marks the fifth month in a row with at least a 6.9% increase.

Dr. Frank Nothaft, Chief Economist for CoreLogic, gave insight into the reason behind the large appreciation,

“The number of homes for sale has remained very low. Job growth lowered the unemployment rate to 4.1 percent by year’s end, the lowest level in 17 years. Rising income and consumer confidence has increased the number of prospective homebuyers. The net result of rising demand and limited for-sale inventory is a continued appreciation in home prices.”

This is great news for homeowners who have gained nearly $15,000 in equity (on average) in their homes over the last year! Those homeowners who had been on the fence as to whether or not to sell will be pleasantly surprised to find out that they now have an even larger profit to help cover a down payment on their dream homes.

As we near the traditionally busy spring buyers season, there is still hope for buyers as mortgage rates remain low compared to recent decades. The report also predicted that home price appreciation will slow slightly, rising by 4.3% by this time next year.

Bottom Line

If you are looking to enter the housing market, as either a buyer or a seller, meet with a local real estate professional who can explain exactly what’s going on in your neighborhood and discuss your options!

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

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 & Jani Mansour
NMLS # 375517 – NMLS # 877007
www.MortgageXperts.com

J. Scott Harris

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Branch Manager

6900 Dallas Parkway #610
Plano, TX 75024

M: 214-435-8825 | F: 972-696-7810

NMLS# 375517 | Company NMLS # 3274

Equal Housing Lender

80% Of Renters Believe Homeownership Is A Part Of Their American Dream

According to the latest Aspiring Home Buyers Profile by the National Association of Realtors (NAR), 82% of surveyed renters desire to own a home in the future, with 80% believing homeownership is a big part of achieving their American Dream.

The profile went on to state that 50% of millennials believe that their rent will increase, with 20% believing that an increase in rent will be the catalyst that pushes them to consider buying a home vs. renewing their lease.

So, what is holding renters back?

What would make renters take the plunge?

NAR’s Chief Economist, Lawrence Yun believes that,

“Housing demand in 2018 will be fueled by more millennials finally deciding to marry and have kids and the expectations that solid job growth and the strengthening economy will push incomes higher.”

Yun goes on to warn that,

“However, with prices and mortgage rates also expected to increase, affordability pressures will persist. That is why it is critical for much of the country to start seeing a significant hike in new and existing housing supply. Otherwise, many would-be first-time buyers will be forced to continue renting and not reach their dream of being a homeowner.”

Bottom Line

If you are one of the many homeowners whose houses no longer fit their needs and are looking to move up to your dream home, now is a great time to list your starter home! First-time buyers are out in force looking to achieve their American Dream.

We look forward to helping you purchase that new home,

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NMLS # 375517 – NMLS # 877007
www.MortgageXperts.com

J. Scott Harris

Branch Manager

6900 Dallas Parkway #610
Plano, TX 75024

M: 214-435-8825 | F: 972-696-7810

NMLS# 375517 | Company NMLS # 3274

Equal Housing Lender

Awesome Testimonial – No one works harder for clients than We Do!

If you are seeking to purchase a home and are in need of EXPERT ADVICE, HELP OF ANY KIND REGARDING YOUR LOAN, YOU CANNOT DO ANY BETTER THAN JANI MANSOUR.

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MY STORY – Louis P.

I’m 82, my wife is 75. We were living in a senior apartment complex in McKinney with no intention of purchasing another home.

We are on a very limited after tax income of only $2,180 per month. In 2016 we were awarded custody of our 16 year old grandson by the Family Court in Collin County.

Of course we agreed to this request and began taking steps to assume custody. We realized that we could not stay in a 1,039 sq. ft. apartment dedicated to seniors. Therefore we began exploring options to provide a safe environment.

We had no resources other than our income; we learned of a federal program offered by the USDA Direct Loan Program where we could get approved for a mortgage with zero down and a guaranteed interest rate of 3.25%. We found a home in Jasper, Texas and submitted an application.

We were in the process of receiving final approval when the government shut down occurred and USDA lost its funding for that program. We thought we were not going to be able to provide a home for our grandson.

Fortunately, our realtor introduced us to JANI MANSOUR!

JANI IS TOTALLY PROFESSIONAL, SKILLED IN ALL LOAN PROGRAMS,AND WAS ABLE

TO ARRANGE FINANCING THROUGH THE USDA GUARANTEED LOAN PROGRAM WITH A ZERO DOWN PAYMENT REQUIREMENT.

We were thrilled, settled on a loan cap of $100,000 for the purchase of a home. We had specific requirements that had to be met;

1. Home had to be 3 Bedroom, 2 Bath

2. Must have 2,000 Sq Ft

3. Must be priced below the cap

4. Interest Rate could not be greater than 4.50 percent.

Jani found the loan we needed and we proceeded with the steps needed to purchase the home we had selected. The home we selected was on the market at $82,000

and was 3B/3B, 2286 Sq Ft. and came with a small “shed” which was equipped with a full bathroom. It was obvious that repairs were needed to both structures We offered asking price, offer was accepted. Pre-purchase inspection revealed home needed new roof, electrical up grade, replacement of some of the rotting soffit on the roof over hang and the bathroom in the shed would require replacement of the commode in order to meet USDA appraisal requirement. We thought we were doomed and out of luck

JANI TO THE RESCUE! Through her knowledge, ability and commitment to get us in “our home”, we were able to roll all the repair costs rolled into the loan without any out of pocket cost to us. The final loan amount wound up being $102,500.

Our next problem was with the USDA Inspector. She was given the assignment on Nov 22, 2017, “slow-walked” the inspection delivered the initial inspection report on 12-26-2017 with a listing of the repairs specified above.

Our realtor in Jasper engaged the necessary contractors who all agreed to wait for payment “at closing” (which is why the total loan amount was $102,500)

One of the contractors failed to perform according to specifications.causing delay. This caused considerable stress on my wife and I; it looked like we would wind-up homeless. JANI WAS THERE FOR US, staying in constant contact with the realtor and offering us her encouragement and support!

We submitted a request to the appraiser for final inspection. Again she slow walked our request and it appeared that we would not get her report in time to meet the closing date and would, therefore, lose our funding from USDA.

AGAIN JANI TO THE RESCUE! She made calls to the appraisal management company, explaining the “need for speed” on the part of the appraiser..

We got the final appraisal just 3 days prior to the expiration of the 120 day funding window and made the closing date of 2/7/2018. WE COULD NOT, WOULD NOT HAVE OUR NEW HOME WITHOUT JANI’S DETERMINATION TO SEE THAT WE DID NOT WIND UP HOMELESS1

YOU WILL NOT FIND A MORE DEDICATED, KNOWLEDGEABLE ADVOCATE FOR HOME OWNERSHIP THAN THIS LADY FOR WHOM WE WILL FOREVER BE INDEBTED TO.

IF YOU WANT TO PURCHASE A HOME AND NEED HELP – CALL JANI! SHE WILL GET YOU THE FUNDING YOU NEED AT THE PRICE YOU CAN AFFORD AND STAY ENGAGED FROM START TO FINISH UNLIKE MOST LOAN OFFICERS OUT THERE. WE WILL ALWAYS BE GLAD WE WERE LUCKY ENOUGH TO FIND HER!

We look forward to helping you purchase that new home,

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

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J. Scott Harris & Jani Mansour
NMLS # 375517 – NMLS # 877007
www.MortgageXperts.com

J. Scott Harris

Branch Manager

6900 Dallas Parkway #610
Plano, TX 75024

M: 214-435-8825 | F: 9726967810

NMLS# 375517 | Company NMLS # 3274

Equal Housing Lender

Ask me about 100% Financing on Homes right outside DFW

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

The KEYS to your new home are within reach!

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

J. SCOTT HARRIS | 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

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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.

Your Tax Refund = Your Down Payment on a New Home

This time of year, many people eagerly check their mailboxes looking for their tax return check from the IRS. But, what do most people plan to do with the money? GO Banking Rates recently surveyed Americans and asked the question – “What do you plan on doing with your tax refund?” The results of the survey were interesting. Here is what they plan to do with their money:

41% – Put it into savings
38% – Pay off debt
11% – Go on a vacation
5% – Make a major purchase (car, home, etc.)
5% – Splurge on a purchase

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Upon seeing the research, The National Association of Realtors (NAR) wondered if this could help with a constant challenge cited by many people who wish to purchase a home – saving for the down payment. In a recent post in NAR’s Economists’ Outlook Blog, they explained:

“With a sizable tax refund, the average American would have a decent down payment depending on which region or market you live in.”

They went on to add:

“[A]pproximately 5 percent of all respondents indicated they would make a major purchase which does not seem like a lot. However, there is a bigger group 41 percent who see saving the tax return is best and that group could be potential homebuyers if they are not already.”

In other words, putting that money toward purchasing a home is a form of savings.

Bottom Line

When one considers that first-time home buyers in 2016 had an average down payment of 6%, a decent tax return could go a long way toward the necessary funds needed for a down payment on a house. Or perhaps, the down payment needed by a son or daughter to make their homeownership dream a reality. How are you going to spend your refund?

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
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.

Saving For Your Mortgage Down Payment: Giving Up Lattes Only Goes So Far

Gina Pogol – The Mortgage Reports 2/28/2017

You Don’t Have To Give Up Your Coffee To Buy A House

Personal finance writers have been taking aim at lattes for years. Consumers trying to save a down payment, advisers note, waste $1,000 a year on their daily $4 shot. Give that up, they say. You’ll hasten the day when you have amassed your mortgage down payment and closing costs, and are ready to buy a house.

Many Ways To Buy A Home, Right Now

Okay. But is that really relevant? If you save $1,000 a year toward the standard 20 percent mortgage down payment, it would take you 40 years to buy a $200,000 house!

There are better, faster ways to buy your first home. They include:

Low down payment mortgages
Lender covering loan costs
Seller concessions
Community Seconds
Down payment assistance

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Low Mortgage Down Payment Options

Many popular low-to-no down payment mortgages are government-backed. They include:

USDA Rural Housing Loans (zero down, for income-eligible borrowers in rural areas)
VA home loans (zero down, for eligible active-duty servicemembers and veterans)
FHA mortgages (3.5 percent down, no restrictions on income or status)

In addition, private lenders offer home loans requiring just three percent down to income-eligible buyers. The Home Possible and HomeReady programs come with discounted mortgage insurance. They require you to complete homebuyer education.

Lenders Covering Closing Costs

Every mortgage program offers several pricing choices. You can pay more and get a lower interest rate, or you can pay less and get a higher rate.

By choosing a loan with a higher interest rate, you obtain “rebate” pricing. The lender refunds money to you, and you use that to cover closing costs.

You cannot use rebate pricing to meet your down payment requirement.

Seller Concessions

Seller concessions can make your home and mortgage more affordable. Instead of negotiating, for instance, a three percent discount on the asking price, ask for a credit for closing costs.

The seller can cover your lender fees, discount points (to get a lower mortgage rate), prepaid expenses (for property taxes and homeowners insurance), FHA upfront mortgage insurance or VA funding fees.

Full Example:

30 Year Conventional Loan (20% Down Payment)
Sales Price: $500,000
Loan Amount: $400,000
Loan Term: 30 Years
FICO: 740
Interest Rate: 4.00%
Annual Percentage Rate: 4.29%
Monthly Principal and Interest Payments: $1,796
Down Payment (including closing costs): $140,000

AmCap Mortgage, Ltd., NMLS#129122 | Equal Housing Lender |885 E Collins Blvd Ste 110 Richardson, TX 75081 | 214-435-8825 | Based on available rates as of 03/07/2017 | Program figures shown are representative and actual amounts may vary. | Terms, conditions and restrictions may apply. | Loan products are subject to availability and credit approval. | Not a commitment to extend credit. | Some loan products not available in all states in which the company operates. | Not licensed in all states. | Amount disclosed exclude taxes and insurance premiums actual payment obligation will be greater. | Figures here are based on a fixed-rate loan; annual percentage rate (“APR”) will not increase after consummation.

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

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.

Q&A – Is it possible to get a va home loan with a 617 mid score in Oklahoma

J. Harris, “jscottharris Lender

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You bet, we approve VA loans starting at 580. I have noticed many of the local banks and lenders require a score of 640 or more.
I would be excited for the chance to help another Veteran become a homeowner!

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

Tag Archives: 100% Financing

61% of First-Time Buyers Put Down Less than 6%

Bottom Line

2 Major Myths Holding Back Home Buyers

Myth #1: “I Need a 20% Down Payment”

Myth #2: “I Need a 780 FICO® Score or Higher to Buy”

Bottom Line

Study Shows “Millennials Deserve More Credit”

Bottom Line

Low Inventory Pushes Home Prices Higher

Bottom Line

80% Of Renters Believe Homeownership Is A Part Of Their American Dream

So, what is holding renters back?

What would make renters take the plunge?

Bottom Line

Awesome Testimonial – No one works harder for clients than We Do!

Ask me about 100% Financing on Homes right outside DFW

Your Tax Refund = Your Down Payment on a New Home

Bottom Line

Saving For Your Mortgage Down Payment: Giving Up Lattes Only Goes So Far

Gina Pogol – The Mortgage Reports 2/28/2017

You Don’t Have To Give Up Your Coffee To Buy A House

Many Ways To Buy A Home, Right Now

Low Mortgage Down Payment Options

Lenders Covering Closing Costs

Seller Concessions

Q&A – Is it possible to get a va home loan with a 617 mid score in Oklahoma