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I am dedicated to walk you through the loan process step by step. HomePlus Mortgage has a well-established track record for providing excellent rates and service. In addition, with my experience, you’re certainly in good hands with us. We provide maps above pinning the banks and credit unions who have provided Prague Oklahoma homeowners with subprime mortgage loans in the recent past.
The content created by our editorial staff is objective, factual, and not influenced by our advertisers. Qualified U.S. military personnel, Veterans, active duty military, active reservists and active members of the National Guard are eligible for an additional 1 percent of down payment assistance. Subject to change at any time, this allocation is limited and available on a first come, first serve basis. Be smart when it comes to your FHA loan and your financial future.
Apply for mortgage assistance
During my 44 year tenure in the mortgage banking business, I've successfully closed thousands of residential and commercial loan transactions in and around Southern California. I'm honest, organized, professional, and will get your loan completed with the agreed-upon terms. That foundation helped me move into a new role as a very knowledgeable loan officer in 1999.
With adjustable-rate loans, it is very likely that at some point in the near future your rates will go up instead of down. When you're trying to look for a new rate on your next home loan, you want potential lenders to view you as low risk. You can do this by maintaining your credit score above 700 and keeping the ratio of your debt-to-income as low as possible. Doing this will ensure that you can get the best rate possible when applying for a fixed-rate loan. Keep in mind that even if you don't have the best credit, you may still be able to get approved for a home loan in the Prague, NE area for a low interest rate by using MyRatePlan. Guild’s latest Home Plus program enables customers to purchase a home with as little as 3% down.
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Most subprime mortgage loans are approved to homeowners who have credit scores below 600. However, this number can vary depending on your unique financial situation. You will have to ask your local Prague-based lenders what their criteria is for approval, and what their bank or credit union branch considers to be an acceptable DTI .
With the big-picture knowledge I gained from those positions, I settled into loan processing a few years ago and it has been so rewarding. I love to make the loan process as quick and streamlined as possible for our customers while maintaining compliance & efficiency. At HomePlus Mortgage, our objective is to get our team access to unrivaled rates and products and provide them with industry leading compensation and the proper support to grow their business. So when you are ready to earn more, get access to better rates and products, and get appropriate support, we are here to help you.
What are the Requirements to Qualify for a Home Advantage Plus Mortgage?
I welcome the opportunity to provide a quick and accurate solution for each individuals unique needs. With my vast experience, knowledge and expertise, I will make sure that your needs are met and that you understand the process. Ensuring that you make the right choice for you and your family is my ultimate goal. I am committed to providing my customers with mortgage services that exceed their expectations. I take great pride in providing excellent customer service, while working with complete transparency throughout the entire process.
As an experienced loan officer I have over 18 years of knowledge and expertise to help you explore the many financing options available. I am honored to have spent the past 20 years working with my clients to fulfill their dreams of homeownership. Whether it’s the first-time homeowner, second home, investment purchase or simply lowering your current payments through refinancing, I will find the best solution for your needs and budget. HomePlus offers a large selection of programs including VA, FHA, and conventional loans which enables us to do the “leg-work” for you when making one of the biggest decisions of a lifetime. I will be your point of contact from start to finish and will always make myself available to you, even on nights and weekends.
FHA.com is a privately-owned website that is not affiliated with the U.S. government. FHA.com is a privately owned website, is not a government agency, and does not make loans. A good FICO score is key to getting a good rate on your FHA home loan. As always, you may contact me anytime by phone, fax or email for personalized service and expert advice. Please feel free to reach out to me and I look forward to hearing from you for all of your real estate financing needs. I have been in the mortgage industry for many years, and it has truly been a pleasure working with so many people across the US.
The additional videos in the series cover everything from Application, Preapproval, Underwriting, Loan Documents, Signing to Funding. The recipient receives the assistance in the form of a three-year, no payment, no interest, deferred soft second mortgage loan. Each month, this assistance is forgiven at a rate of 1/36 over the term of the loan. If you reside in Prague Oklahoma and you’re having trouble getting approved for a subprime mortgage, we may have the perfect solution for you. On this page we’ve provided as much information possible for every city in Lincoln County – all to do with getting approved for a subprime home loan.
I pride myself on providing my clients with the highest level of service, support and communication throughout the entire mortgage process to ensure as smooth a transaction as possible. Whether you are buying a new home or refinancing your existing mortgage, I will do my best to secure the most competitive rates and terms for YOUR individual scenario. I look forward to working with you and the opportunity to earn a customer for life.
I also specialize in helping first time home buyers by explaining the loan process and making sure they understand every step. My customers work directly with me, which makes communicating easier, and provides the ultimate personalized customer service. Guild’s collaborative culture and commitment to diversity and inclusion enable it to deliver a personalized experience for each customer.
FHA loans in Prague, NE are offered by the Federal Housing Administration, a branch of the Department of Housing and Urban Development, or HUD for short. The FHA has a mortgage insurance program to cover lenders, and its FHA loans are an option for any type of borrower, meaning it's not only first-time borrowers who can get an FHA loan. That mortgage insurance covers any losses the mortgage lender would have if the borrower defaulted. One significant advantage with an FHA loan for the borrower is that they can get one with a much lower down payment, even as low as 3.5 percent of the home's total cost. The drawback with FHA loans is that the borrower must cover the cost of mortgage insurance, which adds to their monthly loan payment. They wouldn't need to pay as much if they put down a larger down payment and got another type of loan.
There are many different types of home loan products available for buyers in Prague, NE these days. This includes adjustable-rate mortgages and fixed-rate mortgages. Let us delve deeper into the kind of home loans available and who they are best suited for. All borrowers on the mortgage must have a minimum credit score of 640 or better. HOME+PLUS Home Buyer Down Payment Assistance Program provides a 30-year fixed-rate mortgage combined with down payment assistance ranging from 0% – 5% depending upon the new underlying first mortgage. The DPA can be used toward the down payment, closing costs, or a combination of the two.
HOME Plus Program
Other websites may have privacy policies, security, and terms of use that aren’t the same as A+FCU’s. A+FCU isn’t responsible for third party content, agreements, or transactions on linked sites. If you’d rather not continue on to this site you can always call us or stop by a branch to find out more. Take the stress out of homebuying – get the mortgage you need at a great rate and with lower fees. To keep you from having to do all the math, we’ve provided rates & calculators for all kinds of situations. We have a variety of mortgages and terms to give you the options you need to customize your mortgage.
After graduating with a finance degree at the University of Central Florida in Orlando in 2005, I decided to move to Dallas, Texas to be closer with my mom and sister. Since then, I take great pride working in the mortgage industry and have been assisting homeowners for over 16 years. I will provide you the information you need on the rate and payment and let you decide what is best.
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