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Video produced by Get Found Stay Found http://www.getfoundstayfound.com
Best (Mortgage Companies) FHA, VA Loans Broken Arrow, OK 918-906-9490
Deborah Freeman owner of Freeman Team Mortgage, Inc. would love to help 1st time home buyers, Veterans, and those who wish to refinance find the mortgage that best fits their needs. Personal Service without sacrificing great rates. Check out our Testimonials & Reviews and then give us a call.
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Kenn Renner discusses his new book, “First Time Home Buying Secrets Revealed.”
Duration : 0:1:42
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After encountering financial difficulty, Tim and Robin Riley asked their mortgage lender, Bank of America, to lower their interest rate. What followed was a two-year battle with bank bureaucracy. Elaine Quijano reports on one couple’s crazy struggle to keep their house.
Duration : 0:2:44
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http://best-refinance-home-mortgage-loan-rates.com/
“you will never make money.. faster than around a negotiating table”
This is true for saving money too, when it comes to home loans or mortgages.
When people (new buyers) come to the banks and lenders they come without any ‘power’ to leverage the other side need for a deal too. Homebuyers come weak and “beg” for the loan officer or mortgage broker to give them a mortgage at the best rates..
While its the loan broker who needs the deal too.. if you do not close.. he gets no fees..
In this short movie you will get tips on how to save money while negotiation with the bank. The tips are short and simple. You need to do them with every business encounter. You can save hundreds of dollars this way.
Mortgage closing costs and fees, can sum up to a big cash payment.. you can reduce this by negotiating. When you negotiate you show you have other alternative, when you show the bank you are in a position to choose you have the ‘power’ (even when you don’t have other options..)
Duration : 0:2:3
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http://www.SunwestTrust.com – 800-642-7167. You probably have heard about the national credit crisis. During this time of national crisis have you ever considered becoming a bank? That’s right; you can become a bank for a friend or family member.
Duration : 0:2:41
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Quicken Loans client Chiyuki Bidlack of Michigan discusses in this video testimonial about how Quicken Loans helped her with her mortgage. As a first time buyer, Chiyuki had no idea where to begin, but Quicken Loans helped guide her through the process step by step, making it fast and simple.
Duration : 0:3:8
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Financial Expert Provides Top Five Steps to Consider When Buying a Home for the First Time
Michael Copley — Executive Vice President of Retail Money-Out Products, TD Bank
Background:
It’s no surprise that millions of Americans plan to buy a home each year. And for most Americans, the process can be a daunting one. Owning a home requires a large investment of time, money and energy, so you should make your decision to buy a home carefully. TD Bank is looking to make the first-time home buying process a little less cumbersome. To compliment the bank’s hassle-free and easy to understand mortgage products, they have developed a comprehensive First Time Home Buyer kit to educate first time home buyers and guide them through every step on the path to making a house a home.
TD Bank developed the First Time Homebuyer Kit to create a rewarding home-buying experience. Available on the TD Bank website (www.tdbank.com/firsthome) as well as in stores, the kit is designed to take the customer through the process of purchasing a home, providing advice and information needed to choose the house and mortgage to best suit individual needs.
Some things to consider when buying your first home are:
Determine how much home you can afford: By looking at your income and current monthly debts, you can determine your ideal monthly
Buying home isn’t for everyone: Know the benefits of owning vs. renting before making any decisions. Also stop to think about what type of home you can afford and which style suits your lifestyle such as single-family homes, town houses or fixer-uppers.
Narrow the focus of your search: Many factors impact the ideal type of house for each buyer including desired features and benefits, life stage, and how many improvements you’re willing to make before moving in.
For more information please visit:
www.tdbank.com/firsthome
More About Mike Copley:
Mike Copley leads Retail Money-Out Products at TD Bank. Mike has 30 years of banking experience. Prior to joining the bank in January 2005, he served as Senior Executive Vice President for MBNA America Bank, Inc., the world’s largest mono line credit card issuer for 11 years. Mike’s additional experience includes ten years at CitiCorp, in various senior level positions specific to the mortgage business. He began his banking career in Portsmouth, VA with Central Fidelity Banks’ Inc. as a management program trainee. Mike is the former Board Chairman for St. Mark’s high school in Wilmington, DE. He obtained his Bachelor of Science degree in Marketing in 1978 from The University of Richmond and the E. Claiborne School of Business.
Duration : 0:17:26
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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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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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Rory Campbell, Sales Representative at Century 21 Heritage Group Ltd., Brokerage, tel.: 905-895-1822, cell: 905-717-0947, fax: 905-895-1990, discusses in this weeks video blog, ‘Should we lock in our mortgage rate?” A few of the questions that he explores include:
✓ ‘Should I lock in for the lowest rate?’
✓ ‘Should I lock in for the longest term?’
rory.campbell@century21.ca
http://www.rorycampbell.ca/4a_contact.php
Duration : 0:3:3
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