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 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.”

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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What If I Wait Until Next Year To Buy A Home?

As a seller, you will be most concerned about ‘short term price’ – where home values are headed over the next six months. As either a first-time or repeat buyer, you must not be concerned only about price but also about the ‘long term cost’ of the home.

Let us explain.

There are many factors that influence the ‘cost’ of a home. Two of the major ones are the home’s appreciation over time, and the interest rate at which a buyer can borrow the funds necessary to purchase their home. The rate at which these two factors can change is often referred to as “The Cost of Waiting”.

What will happen over the next 12 months?

According to CoreLogic’s latest Home Price Index, prices are expected to rise by 5.5% by this time next year. Additionally, Freddie Mac’s most recent Economic Commentary & Projections Table predicts that the 30-year fixed mortgage rate will appreciate to 4.5% in that same time.

What Does This Mean to a Buyer?

Here is a simple demonstration of what impact these projected changes would have on the mortgage payment of a home selling for approximately $250,000 today:

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

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Common VA loan misconceptions – It is actually the BEST loan available!

1 in 3 Veterans don’t know about their Home Loan benefit or don’t understand it.

Myth: I do not have a full 2 years of service, therefore I am not qualified.

This isn’t necessarily the truth across the board. As a general rule of thumb for eligibility, the Veteran handbook reports that a veteran is qualified for VA housing loan benefits if she or he served on active duty within the Coast Guard, Marine Corps, Air Force, Navy, or Army was discharged underneath conditions other than dishonorable following either:

90 days or more, any portion of which happened within wartime.

-OR-

181 continual days or above (peacetime).

Two-Year Requirement: A longer length of service requirement has to be met by veterans who:

Enlisted (then service began) following September 7th, 1980

-OR-

Was an officer, plus service started following October 16th, 1981

Those veterans have to have either completed:

Twenty-four continual months or beyond

-OR-

The complete span for which ordered to active duty, yet not less than ninety days (any portion within wartime) or 181 continual days (peacetime).

Non-Active Military Members can still be eligible if:

You have more than 6 years of service in the National Guard or Reserves,

-OR-

You are the spouse of a service member who has died in the line of duty or as a result of a service-related disability.

Myth : VA is not the best loan product.

Fact: VA is one of the best loan options on the market.

Qualified buyers can purchase up to $417,000 in most locations before needing to make a down payment. FHA loans require a 3.5-percent down payment, and many conventional lenders want at least 5 percent.

Having no mortgage insurance–a fixture of FHA loans and required for conventional loans without a 20 percent down payment–can save Veterans more than $200 every month.

It’s the same story with interest rates, which actually tend to run lower on government-backed loans. The average fixed-note rate on a 30-year VA Loan in March was 3.82 percent, compared to 3.99 percent for FHA loans and 4.11 for conventional, according to mortgage software firm Ellie Mae.

VA also limits what lenders can charge in closing costs. In addition, sellers can pay all of a buyer’s mortgage-related closing costs and up to 4 percent in concessions, which can cover things like prepaid expenses or even paying off collections and judgments at closing.

Myth: VA Loans require great credit.

Fact: You don’t even need “good” credit.

VA Loans are more lenient than conventional when it comes to your credit history. In fact, VA has no credit limit, though it is true that Gold Financial generally looks for a 580 FICO score, which, in layman’s terms means “Fair” credit (followed by “Good” and then Excellent”). Conventional loans often require a 660 minimum credit score, although you may need more like a 740 to have a shot at the best rates and terms.

VA Loans also allow Veterans and active military to bounce back faster after a bankruptcy, foreclosure or short sale. You can be eligible for a VA Loan two years after a Chapter 7 bankruptcy discharge; one year after filing a Chapter 13 bankruptcy; and two years following a foreclosure. Some lenders have no required waiting period following a short sale.

With conventional loans, you’re usually talking about a four- to seven-year wait before being able to buy again.

Myth: VA Loans take forever to close.

Fact: They close as fast as the others, and they’re also more likely to close than both conventional and FHA loans.

There’s a lingering misconception that VA buyers are weighed down by bureaucracy and paperwork. The reality is greater automation and efficiency, and other improvements in recent years have helped the VA Loan Guaranty Program more than keep pace.

In March, the average conventional and VA purchase loans each closed in 44 days, according to Ellie Mae. What’s more impressive is that VA Loans are actually more likely to close than their conventional counterparts, which is great news for buyers and sellers alike.

The same Ellie Mae data show that 70 percent of the VA purchase applications made over the previous 90 days went on to close. That’s compared to 67 percent of conventional purchase applications and just 61 percent of FHA applications.

Myth: No down payment makes these risky loans.

Fact: VA Loans have been the safest on the market since the housing crash.

Despite the $0 down benefit, VA Loans have had the lowest foreclosure rate of any mortgage type for most of the last seven years.

VA’s sound appraisal process and common-sense requirement for discretionary income (known as residual income) are key factors in the program’s safety. But the single biggest reason is the Loan Guaranty Service’s dedication to helping Veterans keep their homes.

The program tracks every VA Loan in the country. Loan Guaranty employees get notified anytime a Veteran is more than 60 days behind on their mortgage. These foreclosure avoidance specialists contact the homeowner and intervene directly with lenders and servicers to find alternatives to foreclosure.

Since 2008, the Loan Guaranty Service has helped more than 320,000 Veterans and service members avoid foreclosure. That commitment has saved taxpayers more than $11 billion in foreclosure claim payments.

Myth: The VA loan is a one-time benefit.

Fact: Once you earn this, it’s yours for life.

This is not a one-and-done benefit. Qualified Veterans can use the VA Loan Guaranty Program over and over again. In fact, it’s possible to have more than one active VA Loan at the same time. Maybe you lost your home in a divorce, or have rented out your first home, you may still be eligible for another VA home loan. Even losing a VA Loan to foreclosure doesn’t mean you’re no longer eligible.

Myth: Maximum loan amount is $144,000.

Fact: Loans from $417,000 to Over $1 Million are possible

Originally the VA loan amount maximum was $144,000. Now, loan amounts up to $417,000 are available with 100% financing. VA Jumbo Loans are available to $1,0000,000 or more. The Veteran makes a 25% down payment for the difference in $417,000 loan
amount and the Sales Price.

So here is an Example:
$650,000 Sales Price minus $147,000 = $233,000
$233,000 X 25% = $58,250 Down Payment
VA Loan = $591,750 which is 91% LTV

The BEST part is there is no Monthly PMI, just the VA Funding Fee, which is reduced due to the larger down payment.

Any one of these myths can keep Veterans and service members from exploring their hard-earned home loan benefits.

Please contact me with Questions. If you do not have your VA Certificate of Eligibility, we can help get it for you.

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

Click Here to start your quick loan app Now!

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

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

Follow @Harrisjscott
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Buying a home in the country just got easier! USDA relaxes credit requirements

February 12, 2016

Credit Validation Requirement – Important Update

Effective immediately, an applicant’s credit score may be validated with at least two eligible trade lines instead of three trade lines as previously required. Such trade lines consist of credit accounts (revolving, installment, etc.) with at least twelve months of repayment history reported on the credit report. Corresponding revisions to the 3555 Handbook will be posted on the USDA Rural Development’s Regulation and Guidance website on March 9, 2016.

At least one applicant whose income or assets are used for qualification must have a valid credit report score or have at least two historical trade line references that have existed for at least 12 months to establish a credit reputation.

For applicants without an established credit history and unable to establish the required number of eligible trade lines to validate the credit score, alternative methods may be used to evidence an applicant’s willingness to pay, such as a non-traditional mortgage credit report or multiple independent verifications of trade references per 7 CFR 3555, Section 3555.151 (i)(6).

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

USDA provides 100% financing for homes outside the major cities.

Click Here to start your quick loan app Now!

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

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US HOME PRICES RISE; DALLAS IS ONE OF 4 CITIES MATCHING ALL-TIME HIGH

Original AP Article 1/25/2016

WASHINGTON (AP) — U.S. home prices increased at a faster clip in November, the gains fueled by solid hiring growth, historically low mortgage rates and a shortage of houses on the market.

The Standard & Poor’s/Case-Shiller 20-city home price index rose 5.8 percent from a year ago, up from a 5.5 percent pace in October, according to a Tuesday report.

Home values nationwide have nearly recovered from their July 2006 peak, as the real estate market has slowly recovered from the housing bust that triggered the Great Recession. But several metro areas have fully rebounded from the downturn. Four metro areas – Dallas, Denver, San Francisco and Portland Oregon – have either matched or eclipsed their all-time highs. And Charlotte, North Carolina is less than 1 percent below its previous high.

Buyers crowded back into the housing market last year. Sales of existing homes rose 6.5 percent over the past year to 5.26 million, according to the National Association of Realtors. More Americans have been able to purchase homes as employers have added 2.7 million jobs and borrowing costs remain low. But the number of available listings has fallen 3.8 percent from a year ago, causing tight inventories that have fueled escalating prices.

The rising home values and limited selection could ultimately deter sales growth in 2016.

“The dearth of inventory has really taken its toll on the market,” said Nela Richardson, chief economist at the brokerage Redfin. “Homebuyers this year are motivated but not desperate, and they refuse to overpay. Without more listings what we’ll see are higher prices and lower sales volumes, a lousy way to start a new year for homebuyers.”

The rising prices have created some affordability pressures – such that down payments have fallen as a share of the purchase price even as they have increased in absolute terms.

For a conventional 30-year mortgage, the average down payment was 17.46 percent of the purchase price in the October-December quarter. That is down from 17.63 percent in the prior quarter, according to a Monday report by LendingTree, the online loan marketplace.

But buyers had to devote $51,721 for their average down payment at the end of 2015, a 5.72 percent increase from the third quarter.

The challenges caused by rising home values have been offset by falling mortgage rates in recent weeks.

Mortgage buyer Freddie Mac says the average rate on a 30-year fixed-rate mortgage declined to 3.81 percent last week from 3.92 percent a week earlier. Rates have historically averaged 6 percent, meaning that interest expenses are relatively low for homebuyers.

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: The Texas economy is solid and should be for years to come. Now is a good time to buy a home. Stop paying the Landlords mortgage for him. It is time to pay your OWN.

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.

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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.

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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.

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Follow @Harrisjscott
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Don’t Let Rising Rents Trap You!

There are many benefits to homeownership. One of the top ones is being able to protect yourself from rising rents and lock in your housing cost for the life of your mortgage.

Don’t Become Trapped

Jonathan Smoke, Chief Economist at realtor.com recently reported on what he calls a “Rental Affordability Crisis”. He warns 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.”

The Joint Center for Housing Studies at Harvard University recently released their 2015 Report on Rental Housing, in which they reported that 49% of rental households are cost-burdened, meaning they spend more than 30% of their income on housing. These households struggle to save for a rainy day and pay other bills, such as food and healthcare.

It’s Cheaper to Buy Than Rent

In Smoke’s article, he went on to say,

“Housing is central to the health and well-being of our country and our local communities. In addition, this (rental affordability) crisis threatens the future value of owned housing, as the burdensome level of rents will trap more aspiring owners into a vicious financial cycle in which they cannot save and build a solid credit record to eventually buy a home.” “While more than 85% of markets have burdensome rents today, it’s perplexing that in more than 75% of the counties across the country, it is actually cheaper to buy than rent a home. So why aren’t those unhappy renters choosing to buy?”

Know Your Options

Perhaps, you have already saved enough to buy your first home. HousingWire reported that analysts at Nomura believe:

“It’s not that Millennials and other potential homebuyers aren’t qualified in terms of their credit scores or in how much they have saved for their down payment. It’s that they think they’re not qualified or they think that they don’t have a big enough down payment.” (emphasis added)

Many first-time homebuyers who believe that they need a large down payment may be holding themselves back from their dream home. As we reported last week, in many areas of the country, a first-time home buyer can save for a 3% down payment in less than two years. You may have already saved enough!

Bottom Line

Don’t get caught in the trap so many renters are currently in. If you are ready and willing to buy a home, find out if you are able. Have a professional help you determine if you are eligible to get a mortgage.
Buying a home is now easier than it has been in years.

Click Here to start your quick loan app Now!

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

Follow @Harrisjscott
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American Dream of Homeownership Still Very Much Alive

In a recent post, Trulia examined whether homeownership was again being seen by adults in the US as a “part of their personal American Dream.” Over the last five years:

The percentage of U.S. adults who believe homeownership is part of their American Dream increased from 70% to 75%
The percentage of 18-34 Year-olds who believe homeownership is part of their American Dream increased from 65% to 80%

Here is a graph of the survey over the last five years:

Bottom Line

As the housing industry recovers from the crisis of 2008-2010, Americans belief in homeownership as part of their own personal American Dream has also made a strong comeback.

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

Click Here to start your quick loan app Now!

Owning is cheaper than renting! Even if 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.

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

We will help you get qualified and credit worthy even if it takes 2 years!

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

We won’t QUIT…

Click Here to start your quick loan app Now!
Buying a home is now easier than it has been in years.

Here’s the Bottom Line: Owning is cheaper than renting!
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.

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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: 1st Time Buyer

The Ten Commandments of Buying a Home

What If I Wait Until Next Year To Buy A Home?

Let us explain.

What will happen over the next 12 months?

What Does This Mean to a Buyer?

Common VA loan misconceptions – It is actually the BEST loan available!

1 in 3 Veterans don’t know about their Home Loan benefit or don’t understand it.

Myth: I do not have a full 2 years of service, therefore I am not qualified.

Myth : VA is not the best loan product.

Myth: VA Loans require great credit.

Myth: VA Loans take forever to close.

Myth: No down payment makes these risky loans.

Myth: The VA loan is a one-time benefit.

Myth: Maximum loan amount is $144,000.

Buying a home in the country just got easier! USDA relaxes credit requirements

February 12, 2016

Credit Validation Requirement – Important Update

US HOME PRICES RISE; DALLAS IS ONE OF 4 CITIES MATCHING ALL-TIME HIGH

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

Don’t Let Rising Rents Trap You!

Don’t Become Trapped

It’s Cheaper to Buy Than Rent

Know Your Options

Bottom Line

American Dream of Homeownership Still Very Much Alive

Here is a graph of the survey over the last five years:

Bottom Line

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