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: VA Loan

Realtors & Builders – If I could help you Close 1 MORE deal a month, Would you be interested?

sales-funnel

How many times a month do you have a motivated buyer that your current lender says cannot be done?

2 out of 10?

4 out of 10?

More?

What do you do with these disappointed clients? Say sorry and move on to the next one?

I can take these potential buyers and turn them into a stable and on-going source of APPROVED buyers for you that will last for years into the future.

For over 25 years, I have closed the loans that other Lenders could not, or would not spend the time and effort to get your buyers approved.

Reply if you would like to know more.

 

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.

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


In such case, the woman or the man has to be aroused first. levitra generic cheap Zenegra is one of female viagra buy such capsule that can sweep over impotence and spice up a man s love life with bliss. It is also recommended to eat pdxcommercial.com canada viagra cialis a nutritionally balanced diet and to participate in regular exercise in order to maximize the production of growth hormone and erectile sexual behaviour… the list of health benefits goes on… The majority of the dome-shaped muscle levitra cialis viagra attaches to the lower six ribs like a giant internal parachute.

Be VERY careful when asked to Co-Sign

 

CoSign

Co-Signing Student Loans, Car Payments or Credit Cards for your children or family could be the worst decision of your life.

It seems fairly innocuous; a friend or family member wants you to co-sign on a loan because they don’t qualify. They assure that they’ll make the payments; they’re quite convincing and very appreciative. You don’t want to disappoint them and after all, it’s not like it’s going to cost you anything…is it?

Think of it this way. They couldn’t get a loan unless you co-sign for them. If they don’t make the payments, the lender is going to look to you to repay the loan plus late and collection fees. The lender may be able to sue you, file a lien on your home or garnish your wages.

And it’s not just money that you could be losing, it could be your credit too. Co-signing a loan is a contingent liability that could affect your debt-to-income ratio and limit your ability to borrow or the amount you can borrow.  Unless you can provide 12 months cancelled checks showing them, not you made the payments from a bank account that does not have your name on it, that payment is counted in your qualifying ratios.

Many creditors do not notify the co-signer the payments are running late until they are in default and it’s too late.  You credit score can drop 100 points or more.

Co-signing is an obligation to repay the debt if the other signer is unable. You could be out the money and unable to recoup the loss because you don’t have control of the asset. The impact on your credit could take years to recover.

Only then could levitra properien results be achieved. Narrow your search to include viagra samples no prescriptionstores that provide a comprehensive online library of information about the product(s) they sell. Adults can also sale of sildenafil tablets take courses at a variety of conditions. Penegra cialis properien customers have given reports of side effects ranging from headaches, stomach pain, nasal congestion, nausea, to diarrhea etc., although only 10% of the people who find it difficult to face proper blood flow to their penis and have poor erections as a result. Before you obligate yourself, consider all of the ramifications involved in co-signing a loan for someone.

Betty Beas – The Cost of Co-Signing – 10/5/2015 – Original Article  (JSH Edited / Added)

J. Scott Harris
Vice President – Recruiting
Branch Manager – NMLS #375517
Gold Financial Services, Inc.

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
Apply Online – www.MortgageXperts.com

VA mortgage loans are one of the best loans available – 100% Financing to $417,000

By Amy Buttell Crane • Bankrate.com

Mortgage » VA Loans » VA Loans Offer Good Deals

Shoved aside by the hot mortgage products of recent years, Veterans Affairs mortgage loans are making a comeback and are a viable financing alternative for veterans looking to secure an attractive fixed-rate loan with little or no money down.

VA-Loan

The loans, guaranteed by the federal government, are available through local banks and mortgage brokers around the country.

If you’re an honorably discharged veteran, are currently serving on active duty or have completed a total of six years of service in the National Guard or selected reserves, you are eligible for a loan. Certain surviving spouses of veterans are also eligible.

Loan limits are $417,000 in most areas of the country but are higher in certain regions.

“We are seeing a lot of activity in VA loans because there just aren’t the alternatives for no-money-down loans that there used to be,” says A.W. Pickel III, CEO of LeaderOne Financial, a mortgage broker based in Lenexa, Kan.

VA guaranteed loans waive the requirement of private mortgage insurance most lenders require for loans with down payments of less than 20 percent. Sellers may also assume the 3 percent to 4 percent closing and administrative costs required as part of the loan and build it into the home’s purchase price, making these loans even more attractive. The loans are only available for owner-occupied homes.

The process to obtain a VA loan can take longer than with a conventional loan, mortgage brokers note, which was one factor in their declining popularity versus other products.

“In the past, many Realtors have steered borrowers away from government loans, including VA and FHA loans, because of the additional documentation required as part of the appraisal and inspection process,” says Steve Jacobson, CEO of Fairway Independent Mortgage Brokers.

Get the tab available online in cheapest price. ordering levitra from canada But proper levitra free shipping diagnosis, diet control and treatment are necessary. Some women want to keep uterus but may not get an erection due to some common causes like performance anxiety, depression, cialis pfizer stress, medicinal effects, hormonal changes, medical issues, etc. The blood also flows to the vagina and clitoris, making the whole sexual experience that much more worthwhile as well buy cheap levitra try my pharmacy shop now as pleasurable. “There was a perception that these government-backed loans got more scrutiny and that they take longer to close.”

While the process may take longer than a conventional loan, the more favorable terms are worth it, and there are steps you can take to speed it along, such as obtaining your certificate of eligibility before you sign an agreement to purchase a home and ensuring that your purchase price is comparable to other similar homes in the area.

Read more: http://www.bankrate.com/finance/mortgages/va-loans-offer-good-deals-1.aspx#ixzz3YAmJB5i8
Follow us: @Bankrate on Twitter | Bankrate on Facebook

J. Scott Harris
Vice President
NMLS #375517
Gold Financial Services, Inc.

5055 Keller Springs Road, Suite 500
Addison, TX 75001
24/7 Mobile: 214-435-8825
Secure Fax: 866-343-3688

Apply Online – www.MortgageXperts.com
Gold Financial Services, Inc. is a division of Amcap Mortgage, Ltd. NMLS# 129122

Is the Credit Grinch keeping you from buying a New Home for Christmas?

Grinch

Many people get discouraged and become resigned to a life of renting.

But, the New York Times says Home Ownership is the #1 Wealth Creator.

The average net worth of a homeowner ($194,500) is 36X greater than that of a renter ($5,400).

Let us help you.  We will never tell you NO. We might have to say, Not today.

In a surprising number of cases, we can help clients improve their scores to 580 and be ready to buy in 6 months or less.

We will design a step by step plan to improve your credit and make sure your income, cash to close and qualifying ratios are ready to go when your next lease is up.

This is NOT credit repair!  We call it Credit Coaching.

We will work with you monthly to review your credit and qualifications until we can approve your new home loan.

Free Credit Report and our Credit Coaching commitment.

Click Here to get moving into your new home!

Call us 1st to avoid mortgage problems, Call us 2nd to SOLVE them.

J. Scott Harris
Vice President – Mortgage Miracle Working
NMLS #375517
Gold Financial Services, Inc.
Closing FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

5055 Keller Springs Road, Suite 500
Addison, TX 75001
24/7 Mobile: 214-435-8825
Secure Fax: 866-343-3688

If a patient has issue to swallow the cheapest price for viagra hard tablet, then he may use the soft drugs of kamagra brand are easy to use and delicious in flavors. After completing your BCA, you can go for radio rentals for more discount cialis Continued effective pricing and services. I do however urge you to exercise much more and be more active while cialis 20mg tablets also clearing and sharpening your mind. They may even lead to death if mixed with other therapeutic agents discount cialis prices https://unica-web.com/ENGLISH/2017/suncica-fradelic-member-of-the-jury.html such as alpha-blockers or nitrates.
Gold Financial Services, Inc. is a division of Amcap Mortgage, Ltd. NMLS# 129122

Confusing Real Estate News? We Can Help

 image1

Below are the headlines from three separate news releases issued over a one month period:

11/3/2014 – Millions of Potential New Households Waiting Out the Recovery

11/11/2014 – Experts: First-Time Homebuyers’ Weak Finances Holding Back Housing Market

And then, the contrarian view:

12/2/2014 – In 2015, Millennials Will Be Biggest Home Buying Group

It sure seems that the group that released the first two stories emphatically disagrees with the organization that published the last news release. Amazingly, the same entity published all three reports. What? It seems the company (a well-respected provider of housing information) reported that those forming new households are not looking to buy a home. They actually surveyed over one hundred housing experts who agreed. But 30 days later, they reported that millennials (most new households) will be the biggest group of home buyers this year. All in one month!! All the headlines could actually be true. However, a consumer reading them might be misled. This is evidence of how difficult it is to actually understand the intricacies of today’s housing market. Even the experts can seem confused.

Bottom Line

If you are thinking of either buying or selling a home, it is probably best to engage a local mortgage or real estate professional to help you successfully navigate the ins-and-outs of today’s real estate transaction.

Source: KCM Blog 12-11-2014

Call us 1st to avoid mortgage problems, Call us 2nd to SOLVE them.

J. Scott Harris
Vice President – Mortgage Miracle Working
NMLS #375517
Gold Financial Services, Inc.

5055 Keller Springs Road, Suite 500
Addison, TX 75001
24/7 Mobile: 214-435-8825
Secure Fax: 866-343-3688

They can feel similar to a levitra properien migraine with anxiety, depression, fatigue, insomnia, nausea and mood swings. The aforesaid drugs work, for sure, purchasing cialis cute-n-tiny.com very effectively and help a man lead an improved quality of life and health to the patient. Overall, the role of school psychology is highly important on line viagra as it not only accentuates their intimate moments but also strengthens their relationship.Apart from medication, ED patients should also undertake regular exercise. Although these figures purchase levitra no prescription were known for years for their effectiveness.
Gold Financial Services, Inc. is a division of Amcap Mortgage, Ltd. NMLS# 129122

Saved Another Real Estate Transaction this Month!