NEW! FHA up to 100% Financing NO MONEY DOWN Program
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- Опубліковано 24 вер 2024
- Are you interested in using an FHA loan but don't have the down payment? Call us to see if you qualify for up to 100% Financing* ➡️ Schedule a FREE Personalized Mortgage Consultation 📞 with a Kelly Zitlow Group team member today! ☎️ bit.ly/3wERfRV
Our mission is to provide honest, well-communicated, and knowledge-based lending experiences. Let's chat and see if we can help you achieve the dream of homeownership. ☎️ bit.ly/3wERfRV
* Note: FHA Down Payment Assistance Program not offered in Massachusetts, New York or Washington.
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KELLY ZITLOW, NMLS 164330
Sr. Mortgage Advisor
EVP, Sales & Marketing
KellyZitlowGroup@houseloan.com
www.kellyzitlowgroup.com
480.725.0150
Kelly Zitlow is a Public Speaker, Sr. Mortgage Advisor & EVP of Sales & Marketing with Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. All information presented is for educational purposes only and is used to help you as the viewer in your home buying or selling process.
Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. Cornerstone Capital Bank, SSB. Member FDIC. NMLS ID# 2258 | Equal Housing Lender 14635 | N Kierland Blvd Ste 140, Scottsdale, AZ 85254
#fhamortgage #buyingahouse #mortgage
I paid up all my mortgages in 2yrs while working with a Financial Adviser. I’m 50 and my husband 54 we are both retired with over $3 million in net worth and no debts. We got to realize that the secret to financial freedom is making better investments.
That is so amazing, I’m trying to get onto the investing ladder at 40. I wish at 55 I will be testifying to similar success..
Home prices will come down eventually, but for now; get your money (as much as you can) out of the housing market and get into the financial markets or gold. The new mortgage rates are crazy, add to that the recession and the fact that mortgage guidelines are getting more difficult. Home prices will need to fall by a minimum of 40% (more like 50%) before the market normalizes.If you are in cross roads or need sincere advise on the best moves to take now its best you seek an independent advisor who knows about the financial markets.
Impressive can you share more info?
Carol Vivian Constable is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment..
She appears to be well-educated and well-read. I ran a Google search for her name and came across her website; thank you for sharing.
the way you explain is brilliant and clear.
Thanks.
That's so kind of you Jack! Thank you and thanks for watching!
Absolutely life-changing service! I never knew a service could have such a profound impact 911 Get Today . Highly recommended!
No money down means LARGER mortgage payment and HIGHER interest rate...giving no money down to persons with lower credit is also a bad idea.... don't take the bait.
Thanks for watching & taking the time to leave a comment. 😀
Kiss my ass 😂@@MortgageHowDoI
Thank you for this information on the FHA alone and I see this being a huge disaster for most Americans because most do not have any money and do not know how to maintain things
Thank you for watching and leaving a comment.
No money down equal fat monthly payments the result is either working two jobs or a probable loosing the house
Thanks for watching & taking the time to leave a comment. 😀
I can tell that you are not very smart, if you paid any attention to the vid she said you could get up to a duplex (2-unit multifamily). Guess what?
Up to 75% of the 2nd tenant's lease payment can be added atop your own, and if you can qualify with a 50% DTI (which this program supports), your income of $3k (median income in USA for 1 individual, or about $18 an hour for FT work annually), $1,500 maximum payment on your $3k for PITI (Principal, Insurance/PMI, Taxes, Insurance), plus $1,000 from the tenant puts you at $2,500 maximum mortgage payment. It basically bumps your effective income to $5k.
This would allow you to afford up to a $400k property, which even when factoring in being a duplex, is not too far off the cost of building a brand new single family residence!
I’m not into investment other than having a house, which I can feel at ease without any worry, period @@NUCLEARARMAMENT
Not true. Most down payments and up hurting the average person. Pay more a month or shell out majority of your security net. Not to mention on an FHA loan 3.5 down isn’t taking your payment down much at all. Not compared to how much 10 grand out of pocket would kill most aversge people
That’s ridiculous to have a 2nd mortgage. This happened quite a few yrs ago and just about everyone who had the “ 2nd mortgage “ lost their home.
Thanks for watching and taking the time to leave a comment!
@DML R I'm with you. 2 mortgages just saying (typing) that is ridiculous.
2008 again
When the 2nd mortgage is 80$ a month it’s pretty unlikely to be the reason you lose your home.
** Exactly 💯💪💯**
Great information Kelly
Thanks Laurie!
Thanks for this information. Glad to know we still haven’t learned our lesson from 2008!
Thanks for watching and commenting!
people need roofs over them still
LoL... It's a bubble 📈🚀🪂
Does this mean if you are stuck in a minimum wage job and struggling to save, you can be a homeowner? I assumed income limit was for people who are really, really poor. Like, sorry, unless you win the lottery, this won’t ever happen for you.
This is one of many home loan options geared to helping low to moderate income buyers obtain home ownership. The income limit for this program varies by area and is based on the Area Median Index. While this program can assist with the down payment, home loan programs have guidelines in place to ensure buyers have the ability to repay the loan. Click here for my video on how home loan lenders calculate debt to income ratios ua-cam.com/video/OZBJsLLUSOg/v-deo.htmlsi=1CcY_TSiDx4w0Jm2
What about the interest rates 🤔right now...?! The down-payment is not the issue....the rate are
Thank you for your comment! There’s no doubt interest rates impact affordability. This program works best for buyers who are comfortable with the payment but don’t have down payment resources.
Love your channel can you do another video stating how. To plus which states have this program
We'd love to talk you through the 'how' on the phone please schedule a call with us here: ☎️bit.ly/3wERfRV It's available in 48 states but NOT New York, or Washington. Please call us if we can help.😀
Is this available in New Jersey I have an offer in already and realtor said offer may be accepted soon
Very helpful information and explanation. How does this second mortgage impact housing prices? First time homebuyers are struggling to purchase their first home with house prices reaching new highs. Will this impact home prices and push affordability out of reach even more?
Thanks for watching and leaving a comment. The main driver of home prices is supply and demand. The second mortgage itself doesn’t impact housing prices. That said, the risk of any type of 100% financing is if property values drop lower than the amount owed on the home loan(s) and the owner needs to sell the home at that point in time.
When you foreclose, FHA owns your home
Thanks for watching and commenting.
Which loans do u use please do a video
We have a variety of loans but the key is finding the best one for you! Please feel free to schedule a call with us here ☎️bit.ly/3wERfRV and we can talk through your financial goals. We also have videos on FHA & Conventional loans on our channel home page www.mortgagehowdoi.com
If you don't have a down payment, you can't afford the mortgage.
Thanks for watching & taking the time to leave a comment. 😀
Thank you for the information. Is this program available in Riverside County, California?
Hi Edie! Please call or text our office at 480-725-0150 for more detailed info on counties. Thanks!
Also, you can schedule a time here: bit.ly/3wERfRV to meet with us. The program is offered in California, so be sure to connect with us and see if we can assist with your home financing goals. 😀
@@MortgageHowDoIhello is this program available in Georgia. Am ready to buy a home
@@ojuolapeayoade3184 great to hear! This program is available in Georgia. We would love to help you get the process started! Schedule a consultation with us here: bit.ly/3wERfRV or call or text 480.725.0150
Kelly, can this option be used to buy a 2,3,4 unit like the traditional FHA?
the million dollar question.
@@itsraheem 🤣🤣
Great question Norwood! This program limits financing at 2 units. If you'd like to talk with us further please schedule a 15-minute chat with us here: bit.ly/3wERfRV Thanks!
@@MortgageHowDoI will do
You can tell this is a program outside of NYC, Chicago, and Los Angeles.
It's available in 48 states but NOT New York, or Washington
MY EXPERIENCE IS THAT HUD DOES NOT ENFORCE THE FEDERAL MANUFACTURED HOME CONSTRUCTION AND SAFETY STANDARDS. WILL YOU FINANCE A NONCOMPLIANCE MANUFACTURED HOME?
HI Karl! Regarding HUD enforcing the Manufactured Home Construction & Safety..check out page 35 in the following link: www.hud.gov/sites/dfiles/Main/documents/HUDPrograms2024.pdf Unfortunately, we do not lend on non-complainant manufactured homes but thanks for watching and leaving a comment.🙂
@@MortgageHowDoI I have been to 3 different States and inspected of 30 manufactured homes. Every one of them the exterior mating joints are not completely sealed with sealant as required per section 24 CFR 3280.307 Resistance to the elements and use.
FHA is cool but the PMI make the mortgage so dam expensive
Thanks for watching and commenting!😀
Is there a program for California?
Yes! Please schedule a call with us to review program details and see if it will work for you. Click the link to find a time that works for you. ☎bit.ly/3wERfRV
"I am confused. How do I contact the FHA? Should I reach out to a nearby agency or directly contact the bank? Please help me."
We offer FHA home loans and would be happy to assist! Please schedule a call with us here: ☎️bit.ly/3wERfRV and we will help you with all of your questions and guide you through the process!
Thank you
I am abroad
Wishing you luck on your home journey!
Thank you so much. Is this international
It is not available internationally but it's available in 48 states but NOT New York, or Washington.
Is this available in New Jersey?
Yes. Please call or text our office at 480-725-0150 if you would like more information.
Is there a DTI or not ? If not, you mentioned a 50% maximum DTI.
Yes, this program has a 50% maximum debt to income ratio (DTI)
2nd mortgage is just 2 screw you double
This loan isn't for everyone but if someone is stuck on that down payment portion, this could be a fit! Thank you for watching and leaving feedback!
Is there a income limit or purchase price limit?
I have looked online and cannot find information about this program. She did say there is an "income" limit. If anyone finds it please post a link. Thanks.
Yes, there is an income limit and it varies based on counties. Best thing to do, is to schedule a quick call with us and we can look it up for you. CLICK HERE to schedule: ☎️bit.ly/3wERfRV
The income limits vary based on counties. Please schedule a quick call with us and we'd be happy to look it up for you. ☎️bit.ly/3wERfRV
This isbthe very loan that caused the 2007-2009 real estate crash full of foreclosures
It's not. 😀 Check-out this video for my thoughts: ua-cam.com/video/xEsLNQHtqBg/v-deo.html
Down Payment Assistance for Florida? Good Neighbor Programs?
We offer several Down Payment Assistance programs in FL. HUD’s Good Neighbor program is a bit different than this program. We'd be happy to discuss this further with you, please schedule a call with us here: ☎️bit.ly/3wERfRV and we will help you with all of your questions and guide you through the process!
Is this available in Florida for mobile homes?
Yes 😀Please schedule a call with us if you'd like to see if you qualify -- Click here ☎️bit.ly/3wERfRV
what if i own two homes im selling, but haven yet and looking at a farm to buy, how does that work
You can utilize traditional, FHA financing, to purchase a farm so long as the highest and best use of the property is for the home you will occupy (residential) and not for an income producing property. If you'd like to discuss further and get all the details, we would love to chat! Please schedule a time at your convenience here: bit.ly/3wERfRV and we look forward to speaking with you!
Does that mean you have two payments?
Yes :)
What about if you have excellent credit, but you are on social security and you are 64 years old???????? I have the down payment + closing. Thank you for your response in advance. I would like to buy a multifamily house.
We'd love to see if we can help. Please schedule a 15-minute call with us here: bit.ly/3wERfRV at a time that is convenient for you. We look forward to talking with you!
How about the closing costs?
Closing costs need to be paid by a buyers own funds, a gift and/or a negotiated seller credit.
Terrible idea...now people are going to have a much, much larger monthly payment.
The beautiful thing is there are so many different loan programs out there based on what each individual is looking for that is best for them. This loan isn't for everyone but if someone is stuck on that down payment portion, this could be a fit! Thank you for watching and leaving feedback!
Thanks for the information. So I am 66 years old and have no job moved a few years back to US and wondering how I can buy a house? I do have the down payment and my credit score ok 745 i can pay my bills the question is how I can obtain a mortgage in my condition? Any points that help me without problems I would I appreciate your insights.
We would love to help you in more detail. You can schedule a free 15 minute consultation with us here: bit.ly/3wERfRV or you can call or text us at 480.725.0150. We would love to help and we look forward to hearing from you!
where does the DPA come from
This is a home loan program sponsored by the National Homebuyers Fund and currently made available to many lenders across the country through Essex Mortgage’s correspondent lending division.
Thank you for this informational clip! I’m curious, can you use a credit card for a down payment?
Thank you for your comment. Use of a credit card for down payment and or closing costs (except appraisal and home inspection) is generally not acceptable per most home lending guidelines.
what if you are on a fixed disability income?
It could be used be used for qualifying income -- If we can help schedule a call with us here: ☎️bit.ly/3wERfRV
Hello! Is this Program Available in Indiana?
It sure is! We would love to tell you more about this program to see if it's right for you. You can schedule a consultation to chat further with us about your home goals here: bit.ly/3wERfRV
Did she mention if this can be use for single family investment property?
Its for primary residences 😀 but you could do a duplex if you lived in one unit.
What’s the contact number to have a consultation?
Hi Shawn! We look forward to talking with you. Please click the link here to schedule your personalized consultation. ☎bit.ly/3wERfRV Thanks!
Does this apply to first time new construction loans?
Yes! This applies to new construction homes. If you would like a consultation to learn more please schedule with us here: ☎bit.ly/3wERfRV
@@MortgageHowDoI thanks
Self employed. Do you do a no doc or bank statement loan?
We have a variety of home loan options available, one of which is a bank statement loan. However, the FHA program referenced in the video follows FHA lending guidelines which do not include a bank statement income documentation approach. If you'd like to go over all of your options, you can schedule a call with us anytime here: ☎️bit.ly/3wERfRV. We look forward to hearing from you!
How this works?
We'd love to talk you through the 'how' on the phone please schedule a call with us here: ☎️bit.ly/3wERfRV
Can you use this program for 3 and 4 unit houses as an owner occupied?
Great question. This program is limited to a maximum of 2 units and requires the borrower occupy one of the units as their primary residence. We also have an FAQ video about this program. Check it out here: ua-cam.com/video/gTypw3OKbxo/v-deo.htmlsi=5p9LJK9N40Z2Wf1V and if have any questions or want to chat, feel free to schedule a consultation here: bit.ly/3wERfRV
Im trying to buy a house i wont have enough money for the deposit i need a whole month to get all of it seems like they cant wait what can i do to get money for the deposit
If you would like to strategize down payment options feel free to schedule a call with us here: bit.ly/3wERfRV or call/text us 480.725.0150 and we'll be happy to help!
If I live in Houston Texas, can I still get pre-Qualified with your link?
Hi Joseph! Good news, we lend in Texas. We'd love to assist. If you would like to speak with us before you apply click here to schedule a quick consultation bit.ly/3wERfRV or if you are ready to apply click here: bit.ly/3zNypcT Thank you!
@@MortgageHowDoI what about Minnesota?
@@Pyotr_Troyan Yes the program is available in Minnesota. If you would like to schedule a consultation with us, please click here: bit.ly/3wERfRV We look forward to talking with you.
Hey Brother, I am a realtor! Reach out to me if you need assistance. I have a better program for you.
This is fake. Try finding this “program” anywhere else beyond this video. It doesn’t exist.
It does sound too good to be true, doesn’t it?! However, it’s an actual home loan program sponsored by the National Homebuyers Fund and currently made available to many lenders across the country through Essex Mortgage’s correspondent lending division. The program is available in states throught the US but not offered in Massachusetts, New York or Washington. There are pros and cons to any home loan program for sure! For anyone interested in buying a home, I recommend starting the journey by talking with a lender who can help you evaluate your financing options.
@@MortgageHowDoI classic bait & switch marketing. Nobody will actually qualify for the terms you've specified in this video. But you don't care. You just want to generate leads so you can try to convert them into a different loan.
@@metroglobaledictenforcemen6522 No, it's not bait & switch and it's a real loan program. Of course, it's not for everyone, just like any loan program, but it will help a few people who need it to accomplish their goals. This channel is to inform the public about the mortgage process, answer questions, and update people with changes to mortgage lending. That includes new programs coming out and when programs are discontinued.
Does this program with in Florida?
@@kendellglinton757 Yes! This program is available in Florida! We'd love to talk and see if we can help. Please schedule a call with us here ➡ bit.ly/3wERfRV Looking forward to talking with you.
The payment is gonna be so huge 🤦 ffs
Well...to find out for sure you can always schedule a call with us ☎️bit.ly/3wERfRV
It’s for all or only low income families
It’s for all families! We actually have 3 down payment assistance programs and only 1 has a household income limit, the other two do not! For more information on this program or to see what the best solution is for your unique situation, you can schedule a call with us here: bit.ly/3wERfRV or feel free to call/text our Homeloan Hotline at 480.725.0150.
Do you have it for tve virginia area?
Yes this program is available in Virginia! To learn more, schedule a call with us here: bit.ly/3wERfRV or call/text us at 480.725.0150
I own my house with my ex and Im trying to do a cash out refinance to buy her out.
If you need any help at all please don't hesitate to reach out to us to chat about your strategy, to run numbers, etc. You can schedule a consultation with us here: bit.ly/3wERfRV
How low of income is accepted?
There isn’t a minimum income threshold; however, there are maximum debt to income ratios on home loan programs.
not bad
I can’t find a good monthly payment
49k a year
We would love the opportunity to explore your options with you and see if there's a payment that fits with your budget. Feel free to schedule a 15 minute consultation with us here: bit.ly/3wERfRV
love it nice red shirt btw u definitely know what ur doing
Thank you for watching and commenting!
Can full time students do this?
Yes, there is nothing prohibiting students from being eligible to purchase a home utilizing down payment assistance. Depending on your income situation, considering you are full time student, a co-signor could be helpful, but everyone’s situations are different!. We are happy to discuss your options with you! You can schedule a consultation to speak with us here: bit.ly/3wERfRV
nice
Hi Kelly. If the buyer goes with this option does that mean there is no PMI? If so thats a VERY SWEET DEAL 😮😮😮. Please advise if PMI is not required if the buyer goes thru this process?
There is PMI on this program
Does FHA loan issued a personal cheque on my name or builders name ?
FHA requires lenders conduct a CAIVRS check to confirm there are no outstanding government claims. CAIVRS is a Federal government database of delinquent Federal debtors that allows federal agencies to reduce the risk to federal loan and loan guarantee programs. In addition to checking CAIVRS, lenders are required to thoroughly screen both the borrower and the builder to ensure compliance with HUD regulations. The U.S. Department of Housing and Urban Development (HUD) oversees the Federal Housing Administration (FHA).
Toooo many issues with fha..
What ways can I purchase a house with the least amount of issues?
@@_Thoughtful_Aquarius_ usda loans offer no down pmnt...fha also offers a 203 b specifically for repairs.
@@sarahconnor8189 USDA loans are only for property that's rural and used for agriculture. Or am I wrong about that? I've started looking into all this, and it's all so confused.
@@_Thoughtful_Aquarius_ We'd love the opportunity to talk with you and share info on each program, so you can decide which one is best for you. Please schedule a consultation with us HERE: ☎ bit.ly/3wERfRV
SUCCESS.
Thanks for the comment!
Hahahaha!!!! 😂 ...It's a bubble...
Thank you for watching & leaving a comment.😊
Jackson Gary Lee Lisa Walker Ruth
Thanks for watching and leaving a comment.
That's a lie
It does sound too good to be true, doesn’t it?! However, it’s an actual home loan program sponsored by the National Homebuyers Fund and currently made available to many lenders across the country through Essex Mortgage’s correspondent lending division. The program is available in states throughout the US but not offered in Massachusetts, New York or Washington. There are pros and cons to any home loan program for sure! For anyone interested in buying a home, I recommend starting the journey by talking with a lender who can help you evaluate your financing options.
This can’t be true what credit score do u need
To be eligible for this program, a minimum credit score of 600 with an automated underwriting approval. This program offers a 96.5% 1st mortgage loan and a repayable 2nd loan for the remaining 3.5% down payment.
Who the HELL wants a second mortgage?? 😂😂😂😂😂😂😂😂
This loan isn't for everyone but if someone is stuck on that down payment portion, this could be a fit! Thank you for watching and leaving feedback!
What is the closing cost of a $300k mortgage?
Hi! Closing costs will vary. Please feel free to schedule a quick 15-minute call with us and we can go into more detail. Click here to find a time that works for you 😀 bit.ly/3wERfRV
Usually 3-5% so 9K-15K.
@@Give_Your_Life_2_Jesusif you're paying more than 1.5% closing costs you got scammed. the downpayment requirement is only 3.5%, why would closing costs be as high if not higher? Did the lender put overlays on FHA and make it so your DTI has to be 28%/36% too instead of the program's default 46.9%/56.9% for front- and back-end? Obvious scam is obvious.
For me it was 27k, cash to close, specifically for a 300k home in lending and a 6 percent deposit on 30yr conventional. Then, you need to consider saving an additional 3percent for your buyer agent as some states dont obligate the seller agent to pay that, so you could be on the hook for around 8k for a 300k home for just your agent and broker. Whats the bottom line.. Its way too expensive and the estimated monthly payment for the loan I describe above is over 2200 per month. I made it 6 percent down payment because doing FHA or any lower downpayment will make that monthly payment even worse.
No no no no no no no no no no no no no on the second
hahah thank you for watching and leaving a comment!
do not buy a home if you have no down payment
If you can’t save for down payment you can NOT maintain it either
Owning a home will come with risk of expensive repairs & being upside on the loan specifically in this market
Thanks for watching and commenting!
I don't think everyone would agree with that statement.
I know some people who are paying $3K+ in rent for years but can't save the DP for a home of which the monthly mortgage would be less than $2K.
P.S $2.5K is the average rent in their area.
i like it . keep my money in my pocket
Thanks for watching and commenting!
DO NOT DO THIS!!!
Thanks for watching and leaving a comment.
Another bubble forming
Thanks for watching and commenting.
Brokies who don’t have 3.5 % down shouldn’t be buying a house lol.
LOL 😂 -- Thank you for watching and leaving a comment.
sorry but I need to see numbers of the break down lol
Thanks for watching June. Feel free to schedule a quick chat with us and we'd be happy to break down the numbers for you. Click here to schedule ☎️bit.ly/3wERfRV
We
'The difference between the Real Estate Market in 2023 and 2006 is that the garbage loans are no longer legal'
Thanks for watching and leaving a comment Timothy!
Where are you located…. I’m trying to buy asap
We service 45 states plus Washington DC. We would love to help! You can call or text us at 480.725.0150 or schedule a call with us here: bit.ly/3wERfRV
wtf is this ? Are u serious
It does sound too good to be true, doesn’t it?! However, it’s an actual home loan program sponsored by the National Homebuyers Fund and currently made available to many lenders across the country through Essex Mortgage’s correspondent lending division. The program is available across the US except for New York and Washington. There are pros and cons to any home loan program for sure! For anyone interested in buying a home, I recommend starting the journey by talking with a lender who can help you evaluate your financing options.
I see a lot of Negative folks over here, selfish people, it’s incredible how their hearts are filled with negativity
Thank you for watching and commenting!
what a terrible plan.. markets about to get rekt for sure lol.
Thanks for watching and commenting!
And after listening to the rest of it you are so delusional this is not how the real world works I'm sorry that you think you have to lie to people like this but here in the world real world it doesn't work like that......AT. ALL....
It does sound too good to be true, doesn’t it?! However, it’s an actual home loan program sponsored by the National Homebuyers Fund and currently made available to many lenders across the country through Essex Mortgage’s correspondent lending division. The program is available across the US except for New York and Washington. There are pros and cons to any home loan program for sure! For anyone interested in buying a home, I recommend starting the journey by talking with a lender who can help you evaluate your financing options.
Sounds fishy and a trap
It does sound too good to be true, doesn’t it?! However, it’s an actual home loan program sponsored by the National Homebuyers Fund and currently made available to many lenders across the country through Essex Mortgage’s correspondent lending division. The program is available in states throught the US but not offered in New York or Washington. There are pros and cons to any home loan program for sure! For anyone interested in buying a home, I recommend starting the journey by talking with a lender who can help you evaluate your financing options. If we can help, please feel free to schedule a call us ☎️bit.ly/3wERfRV
😊❤😊
Thank you for the love!
This is a terrible idea and program
The beautiful thing is there are so many different loan programs out there based on what each individual is looking for that is best for them. This loan isn't for everyone but if someone is stuck on that down payment portion, this could be a fit! Thank you for watching and leaving feedback!
@@MortgageHowDoI , yeah, someone at my work told me its a good deal for a person who may want multiple homes.
Tell me please...what are your thoughts about borrowing half my future retirement funds to get to this poker table to close..that is, if theres a home out there for me, with a price thats more things were before this country got hijacked by neo liberal progressives?
I first. A couple years ago, got approved for 180k, by a lender, and I realized that no good homes were anywhere near that value. So a couple years go by, and I learned about trying get a higher deposit to avoid high cost in monthly payments. At 6 percent down payment, 18k, for a home valued at 300k, would calculate at 27k, cash to close, and it will still carry a monthly payout of over 2200 dollars.
This is for a 30 yr conventional loan, as I dont think going FHA at 1 to 3 percent, or any other scandalous 3rd party finance company willing to loan out closing costs so a buyer can get on that house and suffer for the next 30 yrs.
This poker table has such a high ante, requiring agent and broker representation to sit there and play, that I wonder how the housing market crashed at all...I say that because even though I am approved for 282k by the lender, with my 6 percent down payment, I have to put alot of blood on the table, while being investigated by the underwriter, that such an oversight to these unqualified buyers, just seems more about a part of a grand plan, than some compassionate one that uses racism in the practice, to justify decorating pieces of shit, with loans that are backed by good paying buyers or investors.
Heckyeaa thank you!!!
Thank you for watching and leaving a comment!
Ok what number can I call for that program or website
We look forward to speaking with you about this! You can schedule a call here: bit.ly/3wERfRV or call or text 480.725.0150
Will do thanks