Should I Wait Until Next Year to Buy? Or Buy Now?

Some Highlights:

The Cost of Waiting to Buy is defined as the additional funds it would take to buy a home if prices & interest rates were to increase over a period of time.
Freddie Mac predicts interest rates to rise to 5.1% by 2019.
CoreLogic predicts home prices to appreciate by 4.3% over the next 12 months.
If you are ready and willing to buy your dream home, find out if you are able to!

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!

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NMLS # 375517 – NMLS # 877007
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6900 Dallas Parkway #610
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M: 214-435-8825 | F: 972-696-7810

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Equal Housing Lender

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

Whether You Rent Or Buy, Either Way You’re Paying A Mortgage!

There are some people who have not purchased homes because they are uncomfortable taking on the obligation of a mortgage.

Everyone should realize, however, that unless you are living with your parents rent-free, you are paying a mortgage – either yours or your landlord’s.

As Entrepreneur Magazine, a premier source for small business, explained in their article, “12 Practical Steps to Getting Rich”:

“While renting on a temporary basis isn’t terrible, you should most certainly own the roof over your head if you’re serious about your finances. It won’t make you rich overnight, but by renting, you’re paying someone else’s mortgage. In effect, you’re making someone else rich.”

Christina Boyle, Senior Vice President and head of the Single-Family Sales & Relationship Management organization at Freddie Mac, explains another benefit of securing a mortgage as opposed to paying rent:

“With a 30-year fixed rate mortgage, you’ll have the certainty & stability of knowing what your mortgage payment will be for the next 30 years – unlike rents which will continue to rise over the next three decades.”

As an owner, your mortgage payment is a form of ‘forced savings’ which allows you to build equity in your home that you can tap into later in life. As a renter, you guarantee the landlord is the person building that equity.

Interest rates are still at historic lows, making it one of the best times to secure a mortgage and make a move into your dream home. Freddie Mac’s latest report shows that rates across the country were at 4.22% last week.

Bottom Line

Whether you are looking for a primary residence for the first time or are considering a vacation home on the shore, now may be the time to buy.

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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6900 Dallas Parkway #610
Plano, TX 75024

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

NMLS# 375517 | Company NMLS # 3274

Equal Housing Lender

Millionaire To Millennials: Don’t Rent A Home… Buy!

n a CNBC article, self-made millionaire David Bach explained that: “The biggest mistake millennials are making is not buying their first home.” He goes on to say that, “If you want to build real financial security, real wealth for your lifetime, then you need to buy a home.”

Bach went on to explain:

“Homeowners are worth 40 times more than renters. Now, that first home doesn’t need to be a dream home, it can be a very small home. You might literally have to buy a small studio apartment, but that’s how you get started.”

Then he explains the secret in order to buy that home!

“Don’t do a 30-year mortgage. You want to take that 30-year mortgage and instead pay it off early, do a 15-year mortgage. What happens if you do a 15-year mortgage? Well, one, you pay the mortgage off 15-years sooner, that means you’ll be able to retire in your fifties. Number two, you’ll save a fortune (on potentially hundreds of thousands of dollars in interest payments).”

What will it cost to pay your mortgage in fifteen years? He explains further:

“For fifteen years, you got to brownbag your lunch. Think about that! Brownbag your lunch literally for fifteen years. You can retire ten years sooner than your friends. You’ll have real wealth, because you bought a home – you’re not a renter. And you’ll be financially secure for life.”

Bottom Line

Whenever a well-respected millionaire gives investment advice, people usually clamor to hear it. This millionaire gave simple advice – if you don’t yet live in your own home, go buy one.

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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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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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: 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

Guild Mortgage Purchase Loans Surge in 2017

Guild Mortgage Purchase Loans Surge in 2017; Rising Interest Rates Reduce Refinance Loan Volume

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Servicing Portfolio Grows to Record $38.6 Billion; Southeast, Texas, Southwest, Oregon Regions Lead Growth

SAN DIEGO – Guild Mortgage, one of the largest mortgage lenders in the U.S., set records in purchase loan and servicing volumes during 2017, while reaching near-record overall loan volume of $15.94 billion for the year, off less than 1 percent from $15.96 billion in 2016, while U.S. mortgage originations were estimated to drop 16.6 percent in 2017, to $1.7 trillion from $2.1 trillion in 2016, according to the Mortgage Bankers Association (MBA).

Guild purchase loan volume gained 19.2 percent to a record $12.7 billion in 2017, up from $10.7 billion in 2016. Purchase loans represented 80.1 percent of the company’s production volume during 2017, up from 66.8 percent the previous year. The average loan size increased in 2017 to $232,552, up 1.7 percent from $228,500 in 2016.

The gain was offset by a 39.4 percent drop in refinance loan volume to $3.2 billion, down from $5.3 billion and driven by rising interest rates the last three months of the year. The MBA estimated an industry-wide drop of 39.9 percent in refinance volume, to $600 billion from $999 billion. The purchase loan share of all loans in the U.S. was 51 percent in 2016 and 65 percent in 2017, according to the MBA.

Mary Ann McGarry, president and CEO, said regions with the lowest housing costs and best inventories continued to grow, despite increased interest rates. Guild’s top growth region was the Southeast, up 26 percent to $1.3 billion and an average loan size of $174,197, the lowest of all regions. It was followed by one of the two regions in Texas, with growth of 17 percent to $1.1 billion and average loan size of $174,916. The highest average loan size in 2017 was in Hawaii, at $417,296. Top loan sizes in the mainland regions during 2017 were: the new Oregon region at $289,647; California Coastal, $288,197; Northwest, $281,049; and California Inland, $271,470.

Guild continues to grow in major markets it serves, including cities throughout the Northwest (No. 1 in Portland, No. 2 in Salem and No. 4 in Seattle/Tacoma); four major cities in its Texas Region (Austin, Dallas, Houston, San Antonio); the Southeast (No. 1 in Columbia, S.C.); and the Southwest (No. 1 in Reno; No. 5 in Las Vegas).

“We are looking forward to further growth in 2018, including in our new Midwest Region, where Guild just announced the acquisition of Cornerstone Mortgage in St. Louis,” McGarry said. “It has 19 offices in three states, loan volume of $1.0 billion in 2017 and has been the fastest-growing mortgage company in the state for six years, with entrepreneurial and customer service cultures that match ours.”

Among the 10 largest states served by Guild, those recording the top growth in 2017 were: Texas, up 39 percent to $1.6 billion; Arizona, up 15 percent to $805.8 million; South Carolina, up 8 percent to $645.3 million; Nevada, up 8 percent to $1.3 billion; and Colorado, up 5 percent to $1.2 billion. California had the highest average loan size at $296,869 among the company’s top 10 states, a gain of 4 percent from the previous year, while recording an 18 percent drop in loan volume to $2.7 billion. Washington, one of the strongest housing markets in the U.S., saw its average loan size rise 14 percent over the year to $281,852.

Guild continued to grow its servicing business during 2017, reaching a record $38.6 billion and 190,672 loans serviced as of Dec. 31, 2017, up 28.6 percent from $29.9 billion and 155,129 loans serviced at the end of 2016. The average loan size serviced in 2017 was $202,197, up 4.6 percent from $193.315 in 2016. The portfolio included: FHA loans, $10.4 billion, or 27 percent; VA, $4.7 billion, or 12.3 percent; and conventional, $23.4 billion, or 60.7 percent.

“Everyone at Guild is to be congratulated for their continued work and dedication to providing excellent customer service,” McGarry said. “This supports our commitment to create lasting relationships and we are pleased to see the positive results of those efforts every day, in every community, wherever Guild serves.”

Guild recently earned the J.D. Power award for “Highest in Customer Satisfaction with Primary Mortgage Sales in the U.S.”, based on results from its 2017 Primary Mortgage Origination Satisfaction StudySM. The study measures customer satisfaction with the mortgage origination experience in six factors, including application/approval process, interaction, loan closing, loan offerings, onboarding and problem resolution.

A top-10 national lender by purchase loan volume, Guild offers first-time homebuyers a wide range of loan options and personalized service. Its loan professionals can serve the needs of any homebuyer, from helping first-time homebuyers achieve home ownership, often through government loan programs, to jumbo home loans. Guild also specializes in helping active duty and retired military personnel to secure VA loans, with 100-percent financing and flexible qualifying standards.

About Guild Mortgage

Founded in 1960 when the modern U.S. mortgage industry was just forming, Guild Mortgage Co. is a nationally recognized independent mortgage lender offering a wide range of residential mortgage products and local in-house processing, underwriting and funding. Its collegial and entrepreneurial culture enables it to deliver unsurpassed levels of customer service. Having been through every economic cycle, the company has grown 15-fold since 2007, and now has more than 4,000 employees and 250 branch and satellite offices in 27 states. Guild’s highly trained loan professionals are experienced in government-sponsored programs such as FHA, VA, USDA, low down payment assistance programs and other specialized loan programs. The company generated $15.9 billion in loan volume in 2017, as compared to $1.2 billion in 2007. In addition, Guild services more than 190,000 loans, which totaled $38.6 billion in 2017. It has correspondent banking relationships with credit unions and community banks in 47 states. (Equal Housing Lender- Company NMLS #3274).

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

5 Reasons Homeowners Throw Better Super Bowl Parties!

We look forward to helping you purchase that new home,

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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

Buy a Home with 1% Down and get 2% Grant from Guild Mortgage EXCLUSIVE PROGRAM

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Guild Mortgage has launched a new conventional loan program that requires only a one percent downpayment from the homebuyer. Combined with a two percent grant from Guild, the three percent equity results in a loan with a 97 percent loan-to-value (LTV) ratio. The grant does not need to be repaid.

A recent study from the National Association of Realtors (NAR) estimates that Millennials represent 32 percent of all homebuyers and 68 percent of first-time homebuyers. However, Millennials can have trouble saving for a downpayment because of student loans, credit card debt and high rent costs, according to NAR.

“With the gift of a two percent grant, Guild is helping solve financing challenges for first-time and move-up buyers with low-to-moderate income,” said David Battany, executive vice president of Capital Markets at Guild. “Because this is a downpayment assistance program, there are income limits, required homebuyer classes and additional parameters. Income limits do not apply for properties in low-income census tracts.”

Here are key components of the Guild One Percent Down loan program:

►Non-borrower household income can be used to qualify
►Boarder income can be used to qualify
►Debt-to-Income ratio (DTI) up to 50 percent
►680 Minimum FICO
►Reduced PMI Coverage – Only 25%

“Guild’s one percent down loan program provides a unique option to low- and moderate-income homebuyers who are having a difficult time coming up with the downpayment,” said Battany. “We developed this program because of our history of working with first-time homebuyers for more than 50 years and what we saw as a need to fill a void in the market. Now, many homebuyers will be in a stronger position to afford a first home, or even upgrade to another home.”

Check a neighborhood or address to determine income and property eligibility.

Call or email me with ANY questions about this breakthrough new program.
We look forward to helping you purchase that new home,

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

scott-circle

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: 972-696-7810

NMLS# 375517 | Company NMLS # 3274

Equal Housing Lender

5 Reasons Homeownership Makes ‘Cents’

The American Dream of homeownership is alive and well. Recent reports show that the US homeownership rate has rebounded from recent lows and is headed in the right direction. The personal reasons to own differ for each buyer, but there are many basic similarities.

Today we want to talk about the top 5 financial reasons you should own your own home.

Homeownership is a form of forced savings – Paying your mortgage each month allows you to build equity in your home that you can tap into later in life for renovations, to pay off high-interest credit card debt, or even send a child to college. As a renter, you guarantee that your landlord is the person with that equity.
Homeownership provides tax savings – One way to save on taxes is to own your own home. You may be able to deduct your mortgage interest, property taxes, and profits from selling your home, but make sure to always check with your accountant first to find out which tax advantages apply to you in your area.
Homeownership allows you to lock in your monthly housing cost – When you purchase your home with a fixed-rate mortgage, you lock in your monthly housing cost for the next 5, 15, or 30 years. Interest rates have remained around 4% all year, marking some of the lowest rates in history. The value of your home will continue to rise with inflation, but your monthly costs will not.
Buying a home is cheaper than renting – According to the latest report from Trulia, it is now 37.4% less expensive to buy a home of your own than to rent in the US. That number varies throughout the country but ranges from 6% cheaper in San Jose, CA to 57% cheaper in Detroit, MI.
No other investment lets you live inside of it – You can choose to invest your money in gold or the stock market, but you will still need somewhere to live. In a home that you own, you can wake up every morning knowing that your investment is gaining value while providing you a safe place to live.

Bottom Line

Before you sign another lease, perhaps you should sit with a real estate professional in your area to better understand all 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!
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J. SCOTT HARRIS | BRANCH MANAGER
NMLS ID# 375517 (www.nmlsconsumeraccess.org)
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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.

Mortgage Money More Available Than Ever!

Mortgage credit availability was up in September, according to data from the Mortgage Bankers Association (MBA).

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The trade group’s Mortgage Credit Availability Index (MCAI) rose by 0.7 percent to 181.4 in September. All four component indices were up: The Conforming MCAI and the Conventional MCAI both recorded 1.5 percent upswings, followed by the Jumbo MCAI with a 1.4 percent increase and the Government MCAI inching up by 0.2 percent. September marked the fourth consecutive month that mortgage credit availability was on the rise.

“Mortgage credit availability increased in September due to continuing updates to conforming loan programs as well as agency jumbo programs that have been phased in over the last few months,” said MBA Vice President of Research and Economics Lynn Fisher. “For the year to date, the supply of credit has increased only modestly in the non-jumbo space while it has expanded significantly among jumbo programs.” Link to Original Article

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!

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

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: 1st Time Buyer

Should I Wait Until Next Year to Buy? Or Buy Now?

Some Highlights:

Whether You Rent Or Buy, Either Way You’re Paying A Mortgage!

Bottom Line

Millionaire To Millennials: Don’t Rent A Home… Buy!

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!

Guild Mortgage Purchase Loans Surge in 2017

Guild Mortgage Purchase Loans Surge in 2017; Rising Interest Rates Reduce Refinance Loan Volume

Servicing Portfolio Grows to Record $38.6 Billion; Southeast, Texas, Southwest, Oregon Regions Lead Growth

5 Reasons Homeowners Throw Better Super Bowl Parties!

Buy a Home with 1% Down and get 2% Grant from Guild Mortgage EXCLUSIVE PROGRAM

5 Reasons Homeownership Makes ‘Cents’

Bottom Line

Mortgage Money More Available Than Ever!