I am not a loan officer but may have access to the right ones to address your needs. Otherwise, you are sure to be contacted by well - meaning, completely legitimate loan officers who don't participate in the various down payment assistance programs, including those specifically reserved for veterans.
Would appreciate an opportunity to speak when time permits.
Georgia Real Estate Brokers Associate
Certified Affordable Housing Counselor
Keller Williams Realty Atlanta Partners
(678) 775-2677... more
Consider speaking with a Mortgage Lender, Michael, for loan options with your FICO. If you have any questions for me on housing, please call, email or text and I will be glad to share my thoughts with you. Good Luck!
No, if he is unemployed at the moment, then he does not have any Qualifying Income. In order to use your income, you must also be on the mortgage.
Once you are ready to purchase a property, working with a knowledgeable and seasoned loan officer is critical in today's market. Getting Pre-Qualified is the only way for you to find out your mortgage options. To get Pre-Qualified for your purchase, you can submit your request online at www.rodneymason.com to get started.
Rodney Mason, NMLS #151088
Sr Loan Officer
825 Juniper St NE, Atlanta, GA 30308
Office: (404) 591-2453
Apply Online at www.rodneymason.com
Licensed in Alabama & Georgia with over a decade of mortgage lending experience.
Prospect Mortgage offers a full selection of mortgage programs including:
Conventional | FHA | FHA 580-639 FICO | FHA 203(k) Renovation (Streamline & Consultant) | HomePath® | HomePath® Renovation | HomeStyle® Renovation | VA | USDA | GA Dream | Jumbo Financing.... more
Yes, you can by doing a short sale. Call me to discuss and see what other options may be available to you!
866-260-7180 Fax... more
You might benefit from this article since you are searching on a third party website. Deals can be found once you engage a real estate professional and not before. http://www.naplesrealestateguys.com/pitfalls-of-online-real-estate-search-and-the-naples-mls/... more
You may want to try my church. We operate in the spirit of God. Please feel free to join us for Sunday services at 10am and 7pm along with Wednesday at 7:30pm. The name of the church is Christ Center Tabernacle, Fairoaks CT, Jonesboro, Ga.
I hope to see you soon,
If you are planning on filing Bankruptcy, then that means that you have significant current credit issues. You would not be able to qualify for a mortgage with current delinquent debts.
HUD requires that at least 24 months must have elpased from the Discharge Date of a Chapter 7 Bankruptcy before you could be eligibel for an FHA mortgage.... more
Yes, You can. But you may not be qualified. You may need a cosigner, though there may be some programs out there or some minor tweaks you can make to increase your credit score. I would contact a good mortgage broker before you apply and see what is bringing your score down, or if you're just a person who has an insufficient credit record.
Either way, you're not far off from where you need to be. So, it's certainly worth preparing yourself for home ownership, unless of course you miss payments, etc.
Try to stay current on everything, at this point in time. It really is crucial.
California Real Estate Broker... more
I would like to help you with any home in the Jonesboro area and surrounding areas. I have been in and around Jonesboro for 40 years. email@example.com if you have any questions I would be glad to help you. Phillip... more
We grew up on the south side, Mita. Feel free to email or call to see if I might be able to assist you. Good Luck!
8088 Tupelo Trl is in the area of Jonesboro High School. The area is beautiful ,not for from Jonesboro High and shopping on Mt Zoin and South Lake Mall are just two miles. I hope; this answered your question.... more
I do not suggest doing lease purchases/rent to own. There are simply way too many things that can go wrong with one from either side.
In order to do true owner financing, the owner must own the property free and clear of any mortgages. Very few sellers are going to be in that position.
If the property currently has a mortgage on it, the owner cannot legally transfer the title to a buyer without the mortgage first being paid in full. Most all mortgage loans have a due on sale clause. This due on sale clause requires that the mortgage be paid in full should a title transfer occur.
The buyer is also at great risk on a lease purchase transaction should the seller quit making their mortgage payments. Right now, many sellers cannot afford to make their mortgage payments or simply chose not to continue making them. I have seen where the buyer is making their rent payment, but then the owner is not paying the mortgage. The next thing the buyer knows is that the home is in foreclosure. That means the buyer will generally not get back any of the money they have given as earnest money or security deposits.
It is also a big risk on the buyer. If your credit is not where it needs to be now, there is no possible way of you knowing it will be acceptable in a set amount of time.
Before entering into any type of agreement like that, the buyer needs to make sure that they fully understand the potential pitfalls that could arise. Should the seller default on the mortgage, the buyer could lose ALL of the money that they have invested. Until you are able to purchase, renting is generally the safer option.
Working with a knowledgeable and seasoned loan officer is critical in today's market. Getting Pre-Qualified is the only way for you to find out your options to see if purchasing might be a possibility for you. To get Pre-Qualified for your purchase, you can submit your request online at www.rodneymason.com.... more
Real Estate Agents are not allowed to comment on a variety of topics. The Fair Housing Act restricts the information that can be provided by a Real Estate Agent. Visiting the area and making your own determinations about what is best for you is the way to go.
Off Limit Topics Include:
• Crime Statistic (including questions about whether a neighborhood is good or bad or safe)
• Environmental Concerns
• Household Income
• Schools (including questions about how good or bad the school is)
Determining to the answers to questions on any of the topics listed above is something that you would need to do on your own. It is up to the individual to make their own determination about a specific area. If a Real Estate Agent were to comment on such a thing, it could be steering which is a prohibited act.
Some websites to try include:
Reasons Why A Real Estate Agent Cannot Comment
These links should be able to provide some of the answers you are seeking.... more
Property values change with crash of the real estate market. Changing price values, homes values dropped over fifty percent. The forclosure hit hard; driving revenue down for the city. Over stock of vacant homes due to forclosures changed value.... more
First of all; Thanks for serving!
Did you get your CERTIFICATE OF ELIGIBILITY from the VA?
Do you have a local office of VA? They will help a lot.
I have found that the Navy Federal Credit Union is a good source; you don't have to have been in the Navy, but I would like you better for it.
Be prepared for a FUNDING FEE, about 2 1/2%; not applied if you have a Disability, can be folded into the loan. We didn't have this years ago; but, we do now.
You will pay a little higher Rate than FHA, but with No Down.
Good luck and may God bless... more