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BIG change to VA loan limits for 2020! The loan cap has been removed 🙂 Previously the limit in Michigan was $510,400…now the sky is the limit. All you need to do qualify for the amount you want. This is Great news if you are looking to purchase that dream house you want or you may want to look into refinancing. Rates are the lowest they have been in a long time. Please give me a call today to discuss your options.
Thank you for your service!!!!
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Are you looking for a way to buy a home with Zero down? That only means your actual down payment is Zero. You are still responsible for closing costs. Up to 6% closing costs can be paid by the seller. That would be something for your realtor to negotiate. Then a USDA Loan might be what you are in the market for. These are government backed loans that are meant to help people get into homes with no money down. Here are some the basic requirements:
Verification of Employment for past 2 years
12 months of “on time” rent or mortgage payments
$75,650 max income (2 people)
Full credit report, with a median score of 640 and at least 2 eligible trade-lines.
29:41 ratios (29% of your income before tax housing costs and not more than 41% total debt (including taxes)
Existing Manufactured homes are Not eligible under this program. However, New Manufactured homes on a permanent foundation do qualify. Most areas of Michigan are eligible for these loans. Please contact me to see if the area you are interested in is eligible and to see if you qualify today! Contact me here.
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HI again, OK…it’s time for me to start taking questions. I’m looking for topics that you would like to hear a little more about. If you have something in mind, please Contact me and I’ll be happy to answer your questions. Please Contact me here.
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OK…So How can a mortgage lender help someone that is trying to sell their house on their own? First of all, let me say that I am a strong advocate for having a good realtor working on your behalf. One if the biggest things that owners have to deal with is people wanting to stop by and look at your home. That may not seem like a problem but if the majority of those people that are interested in you home are Not Pre-Approved, how do you know if they can even qualify for the loan to make the purchase? By specifying that each potential buyer must be pre-qualified before you show your home, you can save a lot of time and be showing your home to the right buyers. I can help by running credit, verifying income and available funds to close. You wouldn’t want to accept an offer from a potential buyer, remove your house from the market, only to discover that they can afford the payments or even qualify for a loan. Please contact me today to arrange to get your potential buyers pre-qualified so that when you get that offer you can count on closing the deal.
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Are you, or someone you know, looking for a home and you have a credit score under 600? Odds are you will be or have been turned down by just about every bank around. They will tell you to come back with a better score. At Approved Mortgages, we may be able to help you or your friend get the home you want. With an FHA Loan. Yes, the banks do FHA loans also but most banks prefer to only deal with borrowers with better than a 600 (or even 620) credit score. We write to actual FHA specifications and they allow you to have a credit score down to 580 and still only put down 3%. They also allow scores between 580 – 500 with 10% down. What’s the catch? There is no catch. You still need to qualify for the loan with income, no late payments or NSF fees in your bank account and no bankruptcy within the last 4 years. But you still can qualify and get approved for a loan and buy that home you want so you can start building equity rather than keep renting. If you (or someone you know) would like to see if you qualify for an FHA Loan, please Contact Me Today and I’ll be happy to help.
Additional Conditions may apply.
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