Video Series... How To Get A Mortgage With Challenged Credit.

Hello!

I encourage you to watch this new series of videos I just created.

Here are the various subjects of each video...

Watch the ones you are interested in.

How to get a mortgage with low credit scores.

How to get a mortgage if you've had a foreclosure.

How to get a mortgage with public records.

How to get a mortgage coming out of a bankruptcy.

How to get a mortgage with collections.

Enjoy. ...Here is the link.

Have a good day today!  ...and thanks for reading.

Brett

Recommended Video: Stress Is A Choice.

Good Morning!. I like to take time every now and then to watch a Simple Truths movie.     Here's a short video I recommend...     Stress Is A Choice.      Enjoy.    Have a good day today!   Brett     To see if you qualify for a mortgage right now - CLICK HERE  and fill out this simple application.   To sign up for my weekly mortgage quick tips - CLICK HERE. To download this report "4 Easy Ways To Get Someone Else To Pay Your Closing Costs!" - CLICK HERE.

If You Don't Qualify For A Mortgage Now - Here's What You Need To Do...

Good Morning!

If you have been told you don't qualify for a loan now... Keep your chin up!

It doesn't mean you will never qualify for a loan.

The key to you getting a loan is simple - and it's free!

You need a PLAN!

Here's what you need to do, and I can help you with this...

1) Isolate the reason you can't get a mortgage now. (I can do this for you).

2) Make a plan to solve this problem. 

If credit is the reason you can't get a loan now - you need to know exactly where you are now. 

...and, you need to know where you need to be for a loan.

I would like to help you create a plan. 

I've seen many success stories of borrowers that had a plan to follow and did what ever it took to execute that plan. In a matter of a couple of months to six months they are usually ready for a loan.

...not only that. It gives a person confidence and purpose when you have a clear goal, and a plan to achieve that goal.

So, contact me and I'll help create a plan for you. ...and the best part is that I do this as a free service to you!

Have a good day today!  ...and thanks for reading.

Brett

Owe IRS? ...Want Mortgage? ...Yes, It's Possible!

Periodically I like to go into the back end of my web site and see which of my blog posts are read the most. Posts that are more heavily read are subjects that people are most interested in. One of the posts that is consistently read more than any others is... How To Get A Mortgage When You Owe The IRS Back Taxes. I'm going to repost it here to bring it to the top of the list. Many aren't aware that it's possible to get a mortgage when you owe the IRS - but it is! Thanks! Brett

HUD Set To Reduce Seller Help On FHA Loans...

Good Morning! The Department of Housing and Urban Development is again talking about reducing the seller contribution on buyers closing costs from 6% to 3% on FHA loans.  Many home buyers prefer to use the FHA program primarily because of the larger seller contribution (currently 6%). If this policy goes into effect it would make it much more difficult for many borrowers to purchase homes. ...reducing the number of potential buyers in the market place. This has a very real chance of going into effect in the near future. My message to you: If you were considering purchasing a home and wanted the 6% sellers contribution - don't wait. ...Buy now. That's it for today! Have a good day today!  ...and thanks for reading. Brett To see if you qualify for a mortgage right now - CLICK HERE  and fill out this simple application.   To sign up for my weekly mortgage quick tips - CLICK HERE. To download this report "4 Easy Ways To Get Someone Else To Pay Your Closing Costs!" - CLICK HERE.

Can You Get A Gift On A Conventional Loan?...

Good Morning!  

  If you have been following my posts you have probably learned that you can get a gift from a relative for your down payment on an FHA loan.


Many don't realize this, but you can also use a gift for a conventional loan down payment! The guidelines have changed on this in the past few years. 


It used to be if the loan to value ratio was over 80% the borrower could get a gift for down payment, but the borrower still had to bring 5% of their own funds.

  ...That's not the case any more!

  A borrower can get a gift from a relative for the entire down payment on a conventional loan - it doesn't matter if it's 5% down or 25% down.


 ...it can all be a gift!

  ...and, they don't have to bring any of their own funds in the transaction.  

That's it for today!

Have a good day today!  ...and thanks for reading.

Brett    

To see if you qualify for a mortgage right now - CLICK HERE  and fill out this simple application.

  To sign up for my weekly mortgage quick tips - CLICK HERE. To download this report "4 Easy Ways To Get Someone Else To Pay Your Closing Costs!" - CLICK HERE.  

How To Get A Mortgage With A Low Credit Score...

Good Morning! There are allot of people with challenged credit that would like to purchase a home. ...perhaps your one of them. I created a page on my web site with some simple simple facts on how you can go about getting a loan with a low credit score... Click here to see the page. I hope you had a good weekend!  Have a good day today!  ...and thanks for reading. Brett

Important Tip When Using A Gift For Your Down Payment...

Good Morning!    If you are planning on using a gift as the down payment on an FHA mortgage - here's a tip for you...

The underwriter will very likely ask for a recent bank statement or verification of deposit from the gift giver to show that they had enough money in the bank to give the gift.You will want to prepare the gift giver for this.  They may feel it's a bit intrusive for them to have to show their bank balance, but it's just part of the documentation required in the mortgage industry. That's it for today!

 

Have a good day today!  ...and thanks for reading.

Brett

To see if you qualify for a mortgage right now - CLICK HERE  and fill out this simple application.

  To sign up for my weekly mortgage quick tips - CLICK HERE. To download this report "4 Easy Ways To Get Someone Else To Pay Your Closing Costs!" - CLICK HERE.