you should speak to a mortgage broker or direct lender...my website has info on two that may be able to help you
$$$BUYER CASH REBATE 50%-60% / SELLER DISCOUNT 50%$$$
Flavio Tejada, MBA-Finance, Realtor, Broker/Owner
Web Reference: http://americarealtyonline.com/
The risk to waiting before talking with a lender is that our real estate prices are increasing. The sooner you know your buying power the better.
Have an amazing day!
This is something we might be able to do as a Direct Lender and we service 50% of our loans so we can make various exceptions.
Just contact me to go over or you can fill out an app online at http://www.relaondr.com and I will work on getting you pre-approved.
Look forward to hearing from you.
We have loan programs where we do loans with no credit score and use alternative trade lines.
Michael R DIaz 380048
Look at Randy Roberts profile he has 100s of spam comments left on blogs. This company uses companies overseas to create fake profiles to leave comments all over the internet to promote their company. They are a mortgage lead company that wants to sale your information to mortgage lenders and brokers.
BUYING A HOME
Start the process right 1st by talking to a Licensed Mortgage Professional to determine who much home you can afford and whether you are credit wordy and is there an ability to repay the loan.
The Mortgage Professional will give you a conditional approval letter to take to the realtor.
Once the realtor has found your home you should get it inspected to determine if itâ€™s structurally safe (have the realtor recommend one locally) and be sure to ask your realtor to negotiate a home warranty paid by the seller.
Now is the time to determine and negotiate you rate and terms with the Loan Officer who is responsible to order an appraisal that you will be responsible to pay for prior to the arrival of the appraiser.
Youâ€™re Mortgage Professional / Loan Officer will be responsible to guide you the rest of the process and should not take more than 30 days.
DURING THIS PERIOD DO NOT TAKE ON ANY ADDITIONAL DEBT UNTIL THE LOAN IS CLOSED AS YOU WILL BE DENIED THE LOAN.
Wherever you're located in this nation, you can trust you're working with a reputable mortgage banker - not a fly-by-night operation. Here's why.
Bank of England is partners with every major investor on Wall Street; allowing us to provide the best rates and terms on all mortgages.
We are approved by the Better Business Bureau and Bank of England /ENG Lending is the only mortgage bank among its competitors that is owned by a FDIC insured bank and did not need government bailout to remain solvent.
Bank of England loan officers don't simply facilitate the loan process; they act as "financial advisors," helping clients assess their finances on a larger scale. Whether you're self-employed and need a low-doc mortgage loan, or you're searching for the best rates on a jumbo home loan, your loan officer is here to find your perfect solution.
Get the facts about home mortgages from the experts at ENG Lending. Learn about different types of home mortgage loans and what to expect during the mortgage application process. Plus, find information about the current mortgage market and which mortgage myths you should never believe.
Let ENG's experienced Mortgage Bankers help you find a solution for your financial needs. My name is Lowell contact me at (972) 646-2411 so we can discuss your situation in private. Benefit from my 21 years of experience answering the most common mortgage questions.
16800 N. Dallas Pkwy, Suite 290 | Dallas, TX 75248
Office: 972-646-2411 | Cell: 214-418-7022 | Fax: 214-614-4637
Bank of England /dba ENG Lending: NMLS# 418481
The information you've posted sounds very good for qualifying for a mortgage. Again, talk with several lenders to be sure you are on track to get quick results when you need them.
Basic real estate mortgage information at http://julianalee.com/reinfo/mortgage.htm
Top 2 agent nationwide at Keller Williams Realty
Over 30 years experience
Over 1,000 home sales completed in Santa Clara and San Mateo Counties
If you are using FHA financing, then even using non-traditional trade lines (such as rent, utilities, etc.) can be used to meet requirements.
However with your excellent credit scores and down payment amount I'd recommend you look into conventional financing. Either 1 loan at 85% loan-to-value or an 80% 1st mortgage + a 5% 2nd mortgage - called an 80/5/15 (80% 1st/5% 2nd/15% down) program. There are even 80/10/10 programs available too. Another good option would be VA financing if either you or your husband are eligible veterans.
Shane Milne | Lending in all 50 states | NMLS #81195
shane@thebesthomeloans | 949-273-4161 direct
I specialize in Under 640 Fico Score Loans and offer credit repair at no cost to raise fico scores to qualify. Most banks require three trade lines and two year history for conventional. I offer from 3% down conventional with a minimum 700 fico score and also offer alternatives such as FHA 22% down with NO Mortgage insurance with a 15 yr loan or minimum 620 fico score conventional 5% down with NO Mortgage insurance (Lender paid MI). It only takes a few dozen questions to qualify you in minutes for the loan program to benefit you the best financially. Here are some links to study and consider.
Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
REO & Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
20+ Years Experience
9am till 9pm 7 days
With the good credit history you have, along with employment history and how much you are putting down is a plus.
Just an example, i have a program where I am able to fund loans for clients with no credit score and no credit tradelines.
you can view my site http://www.reloandr.com and look around and some of your questions can be answered there
You have some very strong points such as your high 780 credit score and your 10 year employment history.
I recommend that you talk with Doug Jones, the owner of Mortgage Magic.
Mr. Jones is one of the best lenders available.
Mr. Jones has been a lender for over 40 years and has a great deal of experience with this issue.
You may reach Mr. Jones at his cell phone: (408) 209-6773.
I also recommend that you go to Mr. Jones website at http://www.mortgagemagic.com
Charles Butterfield MBA
Real Estate Broker/REALTOR
Cell Phone: (408)509-6218
Email Address: firstname.lastname@example.org