Special low down payment financing for these homes and more like them in the Thompsons Station, West Nashville, Franklin, Kingston Springs parts of Nashville. These qualify for gift money and low fixed rate financing from a FHA loan with a THDA grant. Restrictions apply. Contact Tim Repass with Churchill Mortgage at 615-260-8124 for more information.
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Learn more http://www.introabc.com The banks have been caught committing mortgage and foreclosure fraud
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1st Mortgage Investments are Simple, Straight Forward And Quick – But they Work.
Do It Right And Franklin Partners Guarantee your capital!”
First mortgage investments are foolproof way to retire wealthy, (we can even tell you a little-known secret that shows you how to create a guaranteed TAX FREE income…..legally) at this very moment you are competing with hundreds, thousands, probably even millions of other investors all fighting to get the best fixed interest investment returns.
Franklin Partners gives you the edge in three unique ways;
1. Your interest, between 8% & 14.5% per annum, is guaranteed, in fact its paid in advance.
2. Your capital is protected by our exclusive buyback guarantee
3. Your opportunities are sourced by some of the most experienced professionals in the country
Listen – you have absolutely nothing to lose by checking this out.
This is exactly the sort of information every retiree and investor is desperate to discover – and that it’s available to you now, you have an opportunity very few people in the world will even know about.
“P.S. Call us on our toll-free line, 1 800 011709 you’ll be able to use our 24-hour hotline immediately!
We’ll log you in and give you your private access code right over the phone. ”
If you decide to subscribe, and I bet you will, once you see how genuinely informative, useful and valuable Franklin Partners proves to be, you’ll get a bonus $1,000.00 CASH when you buy your first mortgage.
You can’t lose. Any risk is ours. This is a win-win situation for you, and, as is the policy of all the mortgages we sell you get carry an unconditional, money-back guarantee.
If my are not everything that I have said they are and you are not in fact overly satisfied, you will receive every cent of your money back, no questions asked, AND keep the $1000.00
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There are many phases to buying a first home, so get professional advice, do your homework, and know what you want.
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http://MortgageInVancouver.com
The biggest barrier to entry for most anxious first time home buyers is the down payment. Coming up with a chunk of cash all at once that you are comfortable saying good bye to for a while.
What many do not know or have a misconception of is that there are other ways to get a down payment other than your savings or chequings account.
So what are they? What other possible sources can you use to get your down payment?
Lets start from the top and I will list them in the order that banks favor the most to least as where the funds come from and how much your down payment is has a huge effect on what your are worth to a mortgage lender and whether they will even qualify you for a mortgage loan.
1. Top of the list, of course is your savings. If you have the discipline to save your money and keep it in plain sight without spending it then the banks will really like you and want to trust you with their money. This is obviously the most favorable situation. One thing to note however is that the money you are using must be in your bank account for at least 90 days. The reason for this is to make sure it isn’t money laundering or that it isn’t untaxed cash, etc. If the money has been in your account for less than 90 days then they will want documentation of some kind proving where you got the money.
2. Ann RRSP account is the next best thing to your actual savings account as it is simply a different a variation of it. You have been disciplined enough to put away money each year and now you are using it to buy a home. Banks will like this.
Some things to note however; if you are not a first time home buyer then you will get taxed on this money. Depending on what tax bracket you are in will determine if this is a good idea for you. If you are a first time home buyer then you can use up to $25,000 towards your down payment TAX FREE.
3. Pulling Equity from Another Home is also looked upon nicely because it too is another variation of saving. However, to pull out equity you must refinance that property which means you need to be able to qualify for both mortgages. This is usually not a problem. It just depends on your assets, income and current employment situation.
I can help you with both transactions of refinancing and the purchase to help this process move smoother for you and to structure it so that you are using your equity in the best way possible for your situation.
4. Gifted Down Payment. There is a lot of confusion on what exactly is a gifted down payment so I am making a video blog specifically targeted to this topic (so don’t forget to subscribe to this channel) but basically this is not where you can get money from your friend to use as a down payment. You must get it from a direct family member. DIRECT, not cousins, aunts, etc. It must be your Mother, Father, Brother, Sister, or Child. If you grew up with your aunt and uncle or some different circumstance like that then there can be some exceptions made. I will just have to approach the lender with your story.
Proper Gifted paperwork must also be filled out to use this method of down payment and I can provide this for you when the time comes. All it really needs is a signature from the Gifter saying that they are giving this money to you with no strings attached and that you will never have to pay it back.
5. The final method of obtaining a down payment is by putting it on your credit cards or lines of credit. This is solely going to depend on how much credit you have and whether you will qualify for the mortgage with this additional debt attached to you.
An example of this is if you only have a $20k credit card and you will be maxing this debt out to get your down payment then the banks will be nervous to give you money. If however, you have a $50k line of credit and pulling out $20k will be nothing near dangerous for you then this wont be so bad.
The bank does not want you to struggle for your payments. They want to make sure that your mortgage is going to get paid back and if you are tapped out financially then the chances of you defaulting on the loan becomes greater.
So hopefully this gives you a good overview of down payments; where you can get it from and how the mortgage lenders view them.
If you have any questions just give me a call, 604.313.9996 or email coss.L@mortgagecentre.com. You can also go to my website to apply online at http://leahcoss.ca or read more of my blogs at http://MortgagesInVancouver.com
Leah Coss
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A quick selection of active listings in desirable Franklin TN that are eligible for THDA financing. You will get a 4% gift toward the purchase. Call Tim Repass with Churchill Mortgage to find out the details on this great program.
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In November, 2009, the federal government extended and expanded the popular First-Time Homebuyer’s Credit. It lets you trim your tax bill by up to $8,000. Sign a contract to buy a home before April 30, 2010 and then close on it by June 30, 2010 and you can claim the credit on your 2009 or your 2010 tax return.
For more information, visit http://turbotax.intuit.com
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Consumer First Mortgage salutes our veterans on this Memorial Day. Thank you for your service and your sacrifice.
Consumer First Mortgage is happy to service any veterans who many qualify for a VA Loan. Contact me at 256-586-5626 or 256-734-6012 or visit online at http://www.MortgagesCanBeSimple.com
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AUSTIN, TX, April 09, 2009 /24-7PressRelease/ — On April 16 at 6:30 P.M., Austin’s #1 real estate seminar will be presented at the Austin Renaissance Hotel. National speaker and top Austin real estate broker, Kenn Renner (www.BuyAustin.com), and recognized mortgage expert, Kenton Brown, V.P. of Sente Mortgage, will team up to present an opportunity to learn insight and “uncommon” knowledge about today’s real estate market. They will disclose the “perfect opportunity storm” that has materialized due to the government’s efforts in rebuilding confidence in the real estate market. The THREE BIG factors that are historically unprecedented for homebuyers are as follows:
1. Government subsidized historically low interest rates;
2. Government cash incentives ($8,000 tax credit); and
3. A buyer’s market – the best opportunities in decades.
For over 15 years, Kenn Renner (www.BuyAustin.com) has presented home-buying and real estate investment seminars in Austin and around the nation. Kenn explains, “So many people from around the nation are again discovering Austin, Texas as ‘the place’ to be and to live. I remember moving here over fifteen years ago and how excited I was to have real opportunities in Austin–to build a business, raise a family, and enjoy the incredible lifestyle available to those living in Austin.” After being in the mortgage and real estate business for over a decade in Southern California and Anchorage, Alaska, Kenn moved to Austin from Southern California during the early 1990s. He recognized that the real estate profession did not focus on first-time homebuyers even though they were the largest segment of the market. So in 1994, he created the American Dream Seminar program ( www.AmericanDreamSeminars.com), which focused on first timers and investors. Kenn says, “I recognized the value of educating potential clients of the opportunities and the benefits of real estate ownership. And since I offered my seminars for free, their loyalty level went through the roof.” Since then, Kenn has personally assisted over 1,200 attendees through the process of home ownership. Unlike many of the real estate seminar “gurus” that have given the industry an unfavorable name–providing generic information and asking for huge up-front “coaching” fees–Kenn is directly involved in every transaction: “I never charge my buyers a dime. I get paid by the builder of the seller of the home–but my utmost responsibility with my buyer clients is to get them the best deal–period!”
To register online visit: www.BuyAustin.com or call/text 512-423-5626,
You will learn the following at Austin’s #1 Home-Buying Seminar:
- The 10 steps to home ownership
- Details on the $8,000 federal housing credit
- Move Assistance Programs (MAP’s)
- How to renegotiate leases and tell landlords goodbye
- The “truth” about mortgage financing
- What programs are available to buy homes
- Negotiating to get the best deal
There are no costs for the seminar–it is free!
Watch this video to get the details of what you will learn at the Austin 1st Time Homebuyer Seminar
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http://www.myfirsthomeltd.co.uk/buyers/1410.html
New Opportunities with Shared Ownership, To Own Your Own Home 2 bed flat at £63K Tower Mill Road , Peckham, South East London SE15 6BX Call 08718595561
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