Buy a Home with Little Down

Call Now or Apply online Rate Sheet as of 11/5/2013   FIRST TIME BUYER DPA Products Loan Description 3% GRANT program 5% GRANT program CHDAP FHA CHDAP Conventional Mortgage Credit Cert Rate 4.250% 4.750% 4.000% 4.250% 4.250% APR 4.419% 4.901% 4.091% 4.301% 4.401%     We have some programs that will help you get into a home with no down or very little down payment. Some do not require Borrower to be a first time home buyer, such as our Grant products. Our MCC product is a tax credit which helps payment affordability. This gives an additional year end tax credit towards Federal Income Taxes. http://www.eaglehomemortgage.com/carolinegerardo/ http://www.cgbarbeau.blogspot.com/       Caroline Gerardo Loan Officer NMLS #324982 Cell 949-637-8190 Office 949-784-9699 eFax 855-883-4303 CarolineGerardo@eaglehm.com www.eaglehomemortgage.com/CarolineGerardo Committed to Seeing You Home. Eagle Home Mortgage 8105 Irvine Center Drive #500 Irvine CA 92618 NMLS #849059 CA #813I609 Universal American Mortgage Company of California, dba Eagle Home Mortgage of California. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. RMLA #4130383, NMLS #252392. Sample APRs shown are based on the rates and terms posted above factoring in prepaid interest and closing costs. Rates vary daily and may change or may not be available at the time of loan commitment, lock-in or closing. Specific loan terms apply and consumer is subject to qualification that includes, but is not limited to, owner-occupancy, minimum down payment and credit score requirements and/or any changes in investor guidelines or programs. This is not a commitment to lend. 6/12

Mortgage One Year After Disaster

The waiting period after a bankruptcy, foreclosure, or short sale has been reduced to just one year from the event!

Back To Work FHA Program Requirements:

• Purchase Transactions Only.

• Housing counseling must be completed 30 days prior to loan application.

• The bankruptcy, foreclosure or short sale MUST be related directly to the loss of job or 20% income reduction for at least 6 months. This hardship needs paperwork documentation. 

• Credit must have been satisfactory before the bankruptcy, foreclosure or short sale and be satisfactory for a minimum of 12 months after the event.

Mortgage After Foreclosure

Birdhouses

 

Bird nest birdhouse condo

A simple post about my birdhouse projects. I'm  making birdhouses, mistletoe decorations and house gifts for the coming season. My Pinterest page has more than 250 photograph's I have taken of local birdhouses.
It gets me thinking about home, shelter from the world for all of us.
I'm on my kitchen table.  Sunday dinner is made but we are waiting for my son to finish his Calculus homework. Wishing you a joyful home