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All the HOT Low Down Payment Lending Programs!
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In the Spotlight !

* Full doc only

70% LTV down to 500 FICO for primary wage earner

80% LTV w/550+ credit scores

* Max 55% Debts versus Income

Good Neighbor Next Door Program!
Adjustable Rate Mortgage (ARM) Owners...  

Did you know…..

  • Borrowers that are currently IN FORECLOSURE due to a sub-prime ARM – can get into an
    FHASecure loan if they had perfect payment histories prior to the adjustment of their

  • Borrowers that have been delinquent from June 2005 until December 2008 – can get into
    an FHASecure loan even if they are on a loan modification or forbearance with their lender
    or they are currently behind in payments?

  • You can roll in all costs, late payments, prepaids, 2nd mortgages – and EXCEED 100% LTV!

  • There are only FIVE rules to qualify a borrower – and credit score isn’t one of them!

If you don't get the answers now, how are you supposed to act?  Walking away
isn't the answer and selling isn't the answer for most of us, find out what your
options are, today!

Request More Information Below!
Foreclosure Situations require immediate assistance  Click here for Assistance!
The timing couldn't be better!  If
you are in the market for a
property ...

Reasons to purchase now?

  •  Lending Programs-
    harder to get/find

  •  Inflation will drive    
    Interest Rates UP!

  •  Plenty of Inventory

  •  Seller's will work  
    deals to move to a
    moderately priced
    30 year mortgage!

  •  Credit Review for  
    Strengthening Credit  
    Scores is more
    important than ever!

What else can I do?

  • Get your Credit
    Reviewed, find out what
    you can do to get your
    score into the most
    optimum range possible!

  • Have your debts worked  
    on to help you discover
    how you can  use a
    home to it's best weath
    generating potential

  • Call our Mortgage
    Planners to help you
    really prepare for Home
    Ownership -"Knowledge
    + Actions = Power!"
Current Interest Rates are back at 2 year LOW's  (UNDER 6% Conventional)
If you have a
current interest
rate of 6.5% or
more - it's time
to cash in!
Make the call
... From a Conventional Lender as of 12/10/2008

- Applicants who have had more than three inquiries on their credit report within the past 90 days are ineligible for financing.

- Properties listed for sale by the current owner within 90 days of the application date are ineligible for collateral for any
non-purchase transactions (ie- refinancing).

Lenders are clamping down again!  
Be sure to consult with a professional before you make decisions on your housing!
Mortgage Insurance
payments are going to be
allowed on purchases
made starting 2007 as a
tax deductible item in 2007!

Check with your Tax
Preparer to make sure
your Mortgage Insurance
payments are reflected on
your tax returns for the
coming year taxable 2007.
Check here for calculations
with/without "
PMI" & see the
overall advantages!
Q & A page:

Do you know how to
read a
Good Faith Estimate?

We can even use
desktop sharing
to help you understand
those line-by-line
charges and why they
are there!

ask a Mortgage
Planner to assist you on
ours or anyone else's
estimate we appreciate
the opportunity to
compare our rates
against other brokers!
* No Reserves required

* No seasoning for down payment (deposited gift money -ok!)

40 year amortization down to 520        

program 1104

Request More Information Below!

Learn more in Q & A videos
put out by the Realtor's Association

Warch the FHA Videos NOW!