August 24, 2017     LIVE NOW: Law News Network Court News and Trials   ♦    LIVE NOW: ABC Breaking News   ♦    LIVE NOW: Fox News Live Radio   ♦    LATEST NEWS AND INFORMATION:    Getting a Job with a Criminal History   ♦    When a Criminal Past Closes Doors - HUD has some answers   ♦    Tiger Woods - Avoiding Jail Time with Plea   ♦    Steps to Getting a Lease with a Criminal Record   ♦    Your First Step in Applying for a Loan   ♦   

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Getting a Job with a Criminal History
August 14, 2017 - Employment/Jobs Article #441
Unfortunately, recently released convicts need to understand that most of society sees them as "damaged goods", so they need to reestablish a work history and prove themselves, that they can still hold down a job, any job, before they can expect to be working back to their full potential, in many cases. This often times involves taking a job far below their abilities or expected pay rate.

When a Criminal Past Closes Doors - HUD has some answers
August 09, 2017 - Real Estate/Apartments Article #419
The Fair Housing Act (or Act) "prohibits discrimination in the sale, rental, or financing of dwellings and in other housing-related activities on the basis of race, color, religion, sex, disability, familial status or national origin.1 HUD’s Office of General Counsel issues this guidance concerning how the Fair Housing Act applies to the use of criminal history by providers or operators of housing and real-estate related transactions.

Tiger Woods - Avoiding Jail Time with Plea
August 08, 2017 - Legal Situations Article #420
Police discovered Woods early Monday on the side of the road, with his car running, its brake lights illuminated and right turn signal flashing, according to the arrest report released earlier Tuesday. He was by himself and wearing his seat belt.

Steps to Getting a Lease with a Criminal Record
August 08, 2017 - Real Estate/Apartments Article #416
If you are among those with an arrest on your record, odds are the conviction will appear on your application for a lease. Modern landlords have the ability to electronically search local, state and federal databases, and most background checks reach back at least 10 years.

Second Mortgage Loans Available Loans


 Conforming Loans
Up to $275,000. Conforming long-term, fixed-rate and adjustable loans that meet Fannie Mae and Freddie Mac loan limits and property and borrower guidelines. Conforming loans typically have higher loan limits than FHA and VA loans.
 
 Reverse Mortgage
Allows borrowers to retain ownership of their property and receive cash or a monthly check representing a portion of the equity in the property. No money is due until the property is sold, the owner dies or vacates the property for 6 months, or an agreed upon date is reached.
 
 Moderate Income First Time Home Buyers - 0-3% Down
FHA/FNMA - This program was designed to assist moderate income first time home buyers. The program also allows more flexibility to help borrowers qualify. First Time home buyers dream!
 
 5% Down Investment/Rental Properties
We offer many programs to the investment buyer that wants to put the least amount down. Typically these programs differ from a conforming loan in that a slightly higher interest rate is charged. A down payment of 30% is needed to qualify for conforming rates. Loan to values to 90% with allowed seller concessions of up to 5%.
 
 VA and FHA - Government insured/guaranteed long-term, fixed-rate and adjustable loans.
Government insured/guaranteed long-term, fixed-rate and adjustable loans that are good bets for new homeowners who qualify.
 
 Easy Loan - No Documents
No Doc w/620 Scores to $2,000,000 Stated Income w/620 Scores $4,000,000 Full Doc w/600 Scores to $4,000,000 Debt Ratios to 45% 30 Year and 15 Year Fixed Available
 
 100 - 107% Financing
We offer several no down payment programs such as the Rural Housing Service Loan that increase the number of loans in rural communities. We also have a 100% program for borrowers that have good credit and employment histories but have no money down for their down payment. In some cases, the closing costs can be included in the loan amount and there is no mortgage insurance.
 
 Reverse Mortgage
Allows borrowers to retain ownership of their property and receive cash or a monthly check representing a portion of the equity in the property. No money is due until the property is sold, the owner dies or vacates the property for 6 months, or an agreed upon date is reached.
 
 Easy Doc - No Documents and Stated Income
No Doc w/620 Scores to $2,000,000 Stated Income w/620 Scores $4,000,000 Full Doc w/600 Scores to $4,000,000 Debt Ratios to 45% 30 Year and 15 Year Fixed Available
 
 Refinancing, Rate/Term or Cash-out
Many programs are available to reduce your present mortgage interest rate with little or no "out-of-pocket" cash. We will use up to 100% of the appraised value of your property for some programs. You can use the equity in your home for home improvements, college tuition, debt consolidation, the purchase of a boat or car or for "emergency" cash savings.
 
 Credit Problem Programs
Our skilled loan officers believe that everyone is entitled to a second chance. There are many programs that may be available to you, even if you do not meet traditional approval guidelines. While the interest rates on these loans are generally a little higher, our non-conforming mortgages provide you with an opportunity to rebuild your credit, help you to consolidate outstanding debts, make home improvements or provide you with additional cash for whatever you may need.
 
 First Time Home Buyers
We understand the excitement and pressure that can be a part of your first home purchase. That is why we have trained professionals to help you get the information and the financing you need. There are several benefits to this being your first home purchase. Give us a call and we will give you a free consultation on purchasing and financing your first home purchase.
 
 VA and FHA
Government insured/guaranteed long-term, fixed-rate and adjustable loans that are good bets for new homeowners who qualify.
 
 Imperfect Credit Loans
Imperfect credit loans allow borrowers with less-than-perfect credit to qualify for competitive interest rates to buy a home, consolidate debt, lower payments or make home improvements.
 

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