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Saturday, February 25th, 2012
What's this Washington HARP 2.0 Refinance Deal?
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Welcome To "The Washington Harp 2.0 Refinance Deal"
If you are looking to refinance your home and think you owe more than your home is worth, you have come to the right place! For faster information, call 206-799-0422.
....or read on to see what this Washington HARP 2.0 Refinance Deal is all about....
What is the Home Affordable Refinance Program ---HARP ?
Announced in March 2009, HARP is a federal government program designed to help 5 million underwater or near-underwater homeowners refinance into a fixed loan with a lower monthly payment. However, as of Aug. 31, only 894,000 borrowers have refinanced through HARP. On Oct. 24, 2011, President Obama announced an overhaul to the HARP program with the intent of reaching more underwater homeowners. The expanded HARP program - also referred to as HARP 2.0 - will take effect on December 1, 2011 for borrowers with a loan-to-value ratio of less than 125 percent and in the first quarter of 2012 for borrowers with a loan-to-value ratio of greater than 125 percent.
Why didn't the original version of the HARP program work?
The original version of HARP had many roadblocks that made it difficult for homeowners to refinance. For example, the program only assisted those with mortgages with a loan-to-value ratio between 80 percent and 125 percent, but in many hard-hit housing markets across the country, homes have lost more than 50 percent in value making those homeowners ineligible for the program. Read more about why so few homeowners have been helped by the program.
How will the Washington HARP 2.0 Refinance Deal be different?
Watch this or read on......
Some of the major changes with the latest version of the Home Affordable Refinance or HARP 2.0 program include:
- No underwater limits - yes we're talking 400% underwater
Borrowers will now be able to refinance regardless of how far their homes have fallen in value. Previous loan-to-value limits were set at 125 percent. NOT ANYMORE with HARP 2.0!
- Eliminating most appraisals and underwriting
Most homeowners will not have to get an appraisal or have their loan underwritten, making their refinance process smoother and faster.
- Modified fees
Certain risk-based fees for borrowers who refi into shorter-term loans will either be eliminated or modified.
- Extended deadline
The end date to get a HARP refinance has been extended to Dec. 31, 2013.
How do I know if my loan qualifies for HARP 2.0?
To learn how to refinance or see if you are eligible for refinancing using the Washington HARP Refinance deal, your mortgage must be held by either Fannie Mae or Freddie Mac. To see which agency secures your mortage, please use the "look up" by going to both these websites here: check Fannie Mae. If you can't find your mortgage there, check Freddie Mac. ...or call 206-799-0422 and I will check for you and we can discuss some loan options to possibly save you some money on your refi.
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Posted by: Kimberly Buttle at 11:40am
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Saturday, February 25th, 2012
Washington HARP 2.0 Refinance Program
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Lots of buzz about the new and improved Washington HARP 2.0 Refinance Program for underwater homeowners who can't refinance under a traditional loan program. Now you can Refi no matter what your home is worth and how much you owe.
See what all the BUZZ is about ~ Cick HARP 2.0
So you see, you really can be 400% underwater and still refinance under the
The revised HARP 2.0 will finally help many more underwater homeowners refinance now into these great low interest rates and save hundreds of dollars every month. If your mortgage is secured by either Fannie Mae or Freddie Mac and you closed your loan prior to June 1, 2009 you are eligible to Refi using the Home Affordable Refinance program or HARP 2.0. It’s also perfect for those of you who have ARM loans, Interest Only loans and anyone who has interest rates above 5%, and have mortgage insurance or a 2nd mortgage. If you don't have mortgage insurance now, you won't have it on your new HARP 2.0 refinance even if you are 300% upside down.
It’s time to get your REFI loan application started now as this program is available for a limited time. Let me help you make your home affordable today!
1. Cosmetics that boost curb appeal. When your home is mired in negative equity, chances are good that you might have been investing your dollars and cents into keeping your head above water and the property in sound functioning condition - not necessarily keeping the exterior at its most pristine. But if you are looking to boost your home’s value to hit an appraisal mark for refinancing, or even just trying to lure in a buyer to purchase the place as a short sale, primping your home’s exterior cosmetics can be a smart investment. Keep costs down by doing it yourself, or even hiring a reputable handyman to tackle small, but impactful tasks like:
- painting the shutters, eaves, doors and other trims - if you can paint the whole house, great - but if you can’t afford all that, painting the trims and accents can make a massive visual difference in the look and feel of your home, very inexpensively;
- adding fresh, new hardware like a mailbox, house numbers, and a front door or door knockers and kick plates; and
- landscaping - planting lush or fragrant flowers or trees, trimming up overgrown shrubs and even installing low maintenance ground cover can also transform the entire look of your home from the curb.
And while curb appeal is priority number one if you are trying to get your home sold, interior design projects of a similarly small scale can also create massive benefits for your emotions and comfort level for the buck if you’re planning to stay put for the long haul. It’s amazing what a basic paint job in your bedroom, opening (or ditching) your window coverings or installing lighting or shelves can do to make your family happier at home!
2. Economical expansion. If you crave more space and your home can be expanded within its existing footprint, consider an economical expansion - having a professional convert your garage or basement into a rental or mother-in-law type unit can be an especially good investment if you can house more family members or bring in some income within the new living space. In a similar vein, consider adding a prefab unit in your large backyard or even building on additional square footage, if you can afford it and truly need the space. Before you do, though, make sure you get permits and check in with your local real estate pro to be sure that you’re not just overimproving the place vis-a-vis the neighborhood, digging your negative equity hole beyond your financial or emotional tolerance level or even an extended timeline you might have in mind for selling the place.
3. Greening it up. Upgrades that improve your home’s energy efficiency have inherent value in terms of scoring you points as a good citizen of the planet. But they can also improve your day-to-day living comfort - and decrease your utility bills. Buying solar panels can eliminate your electric bill entirely with an upfront investment; leasing the panels can cost you nothing upfront and keep your energy bills fixed for as long as 20 years! And on my own personal home improvement wish list is a tankless water heater - they eliminate the need to pay to keep that big old tank of water hot, and they produce endless hot water - no matter how many showers you take. Endless hot water! (As a side benefit, if you happen to live in earthquake country like I do, you don’t have to worry about strapping the tank or checking to make sure it’s still secure after every tremor or aftershock.)
In many states, green home improvements like these and dual-paned windows, adding insulation or installing efficient heating and cooling appliances might qualify you for tax credits; check with a local tax pro to see what tax advantages you might earn by going green at home.
4. Combining quarters. A home improvement show would be nothing without someone pointing out how gloriously spacious the kitchen/dining room, master bedroom or even two smallest bedrooms could be if they could just (say it with me, folks): “knock out this wall.” If you’ve uttered those very words about your own home, consult with a contractor - many interior walls are relatively easy and inexpensive to remove, even if you might need to leave in and finish off a support beam if the wall does turn out to be load bearing. I know it’s anathema to some agents to even think about combining two bedrooms into one; for resale purposes the rule of thumb is the more bedrooms, the better. But, here’s the deal: (a) two teeny-tiny, unusable bedrooms are not better than one, in the eyes of most homebuyers, and (b) most walls that are easily taken down can be equally easily put back up when it’s time to sell. If you’ve decided to stay put in your underwater home for the next 10, 20 or even 30 years, there’s no reason resale considerations should stop you from taking down a wall that is preventing you from fully enjoying your home.
5. Built-ins that make things work. Built-in work and storage spaces in your office, garage, craft rooms, kitchen and even otherwise unusable nooks and crannies are uber-useful and can give you the feel of a highly customized luxury home without moving - and without spending much cash. (And window seats? Don't get me started - who doesn’t love a window seat?!)Similarly, functional furniture like loft beds, Murphy beds, pot racks, pantries and armoires can create a highly customized feel and convenient lifestyle, but you can move them around the house - or even take them with you whenever you do decide to move! Investing to improve a home that is upside down should be done very carefully, and only once you have your personal endgame firmly in mind. The budget you set to spruce up a home you need to divest of via a short sell might be vastly different from the investment you’re willing to make to enlarge a home you plan to house your family in for the next 20 years. So be intentional: get clear on your finances and your future plans for your family and career before you start spending on home improvements in this market climate. Then, you’ll be in a position to create a regret-free home improvement plan.
Be sure to share this information with your friends and co-workers too who may also be upside down on their mortgage and would like to save some money every month. Thank you.
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Posted by: Kimberly Buttle at 9:48am
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Wednesday, February 22nd, 2012
Home Loan Denied? Why Is That?
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HOME LOAN DENIED? WHY IS THAT? Apparently you are not ALONE!
Recent economic reports state that "incomplete loan applications" and appraisals coming in too low are causing record level loan denials! Appraisals you and I can't do much about, however, a Home Loan Denied because of being an incomplete loan application is something we can control.
How do you turn a Home Loan Denied to Loan Approved? Today, we have less home loan products available to offer consumers, and these products have specific qualifying guidelines you must meet in order to obtain a loan. When you know what the qualifying guidelines are in advance, your chances of getting Approved are guaranteed plus will save you time and money!
Most consumers don't just wake up in the morning and decide today's the day they want to go out and buy a home, jump in the car and head to the local bank and come out with a loan. Of course, there are some consumers that don't need much loan prep time to take action on buying a home. These consumers are either cash buyers and/ or, living with family or on a month to month rental agreement, have two or more years on the same job or line of work, have some savings and have great credit. But if that's not your situation; most of you will need to start your "home buying" plan 6 to 12 months in advance. This process can be called the Pre-Qualification phase. Here your credit report is reviewed, along with your asset and income documentation. If any or all of these areas have problems, this is the time to learn what you need to do to improve each piece.
Below are some examples that could delay your ability to be approved for financing immediately , however with the right strategies and plan in place, may very well save you time and get you ready for a loan appoval sooner. When you don't know what to do or how to fix it, this unfortunately, can make you be waiting a very long time to buy a home.
- Any Foreclosure/Bankruptcy: Typically FHA, VA and USDA (Zero Down) will require 3 years after a Foreclosure or BK before you can be approved for a new home loan. Conventional financing is betweeen 4-7 years. You need to start immediately after a Foreclosure, Short sale or BK to re-establish new revolving credit card accounts. Revolving credit cards with on time payments and low balances are the fastest way to boost your credit scores. Set a goal to have a minimum of two-three revolving credit cards. Secured credit cards are a great option for obtaining new credit. This is a must if you do not have any positive credit trade lines reporting on your credit report. Google Secured credit cards for bad credit and a number of companies will come up. I like Capital Bank because there is no credit check, anyone can get one as long as they have a bank account. Secured credit cards are scored the same as a traditional major credit card.
- Large Collections, Chargeoffs or Judgements - Most lenders will require amounts above $2000 to be paid prior to closing or at the time of closing on a new loan. Will you have enough money saved to pay off these charges, and still have enough for your down payment and closings costs? If not, than you need a budget. (I would always check with your loan officer before paying any Collection, Chargeoffs, or Judgements as the payoff timing is critical, plus incorporating a strategy to payoff any one of these with a deletion off your credit report is huge for improving your credit.) You would be smart to consider working with a professional credit repair company to get the best results for reducing the amounts and/or deleting these accounts from your credit all together.
- Credit scores below 620 typically will prevent you from getting a loan. Although FHA will go below 620, there are usually late pays in the last 12 months, or minimum to none positive revolving credit card activity reporting to your credit report and that is what will cause your loan application to be denied. Again that is a pretty easy fix once you open up a couple new Secured Credit cards and use them sparingly for the next 6-12 months to rebuild your credit. But get one 30 day late payment during this period and your loan will be denied. Mortgage companies need to know that you can manage your debt and pay your bills every month on time. If you have more than one 30 day late payment or new collection in the last 12 months you will be denied.
- You are Self Employed or a "Contract" employee. This type of employment requires two years tax returns. FYI....your tax return income, less expenses are averaged for 24 months. So if you want to buy a home, you may want to go light on writing off every expense in the world on your tax return as this will reduce the income you will need to qualify for your new home.
- No Money Saved! Yes, we have ZERO Down loans, but buying a home is more than your down payment and monthly mortgage payment. You will have additional maintenance items, i.e. roof repair, general home repair, like painting, plumbing, yard work, that all costs money. If you are barely scraping by with your rent payment, than owning a home is probably not a good idea until you have some savings beyond the down payment if required. Mortgage lenders like to see a minimum of two months extra house payments left in the bank after closing. That way if you lose your job or some repair comes up (need a new water heater.....it's an easy $800-$1000 pop) you have the ability to continue to make your mortgage payment or make the repair without charging on a credit card. Making a Budget that includes monthly savings is important to successful homeownership..
I understand how upsetting it is to have your Home Loan denied, however, by contacting a Loan Officer well in advance of your time frame for buying you can avoid wasting your time, unnecessary stress and disappointment. Look for a seasoned, professional Loan Officer that will develop a customized road map to help you successfully purchase a home sooner than later. If a Loan Officer, for example sees that you have have bad credit, and tells you this will just take time and check back in another year with no action steps for you to take, you need a new Loan Officer. For example, in my mortgage practice, I offer all my clients that can't get approved for a mortgage today, free enrollment in to my "Get-Ready Mortgage" program. This program provides a clear, step-by-step road map of what actions you need to take to improve your finances, employment and credit situation in order to be approved for a home loan. Having a plan similar to this should easily guarantee you success with buying a new home. You can do this!!
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Posted by: Kimberly Buttle at 9:59am
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Thursday, January 5th, 2012
Are You Ready to BUY a Home? Here's 6 Questions to Ask
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HOW DO I KNOW IF I'M READY TO BUY A HOME?
You can find out by asking yourself some questions:
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- Do I have a steady source of income (usually a job)?
- Have I been employed on a regular basis for the last 2 years?
- Is my current income reliable?
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- Do I have a good record of paying my bills?
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- Do I have few outstanding long-term debts, like car payments, student loans?
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- Do I have money saved for a down payment?
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- Do I have the ability to pay a mortgage every month, plus additional costs?
- Do you plan to live in this home for more than 5 years?
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If you answered "yes" to these questions, you are ready to buy! ...and it's time to begin the FREE Pre-Approval process. You have nothing to buy or lose during this process, just the satisfaction knowing that you have a "financing guarantee" to make owning a home a reality this year. That's like being an "all cash" buyer!
It's easier than ever to receive your "financing guarantee" Please Click here and complete the secured application for a quick 24 hr loan approval - Monday thru Friday. Once completed and approved, I will contact you to review the best home loan options available to you to buy your new home. I can even introduce you to names of top Real Estate professionals that can help you find your new home in the areas you wish to live.
If you answered "no" to some, no worries, as I can help you with your own free, customized "get-mortgage ready" plan. Knowing exactly what you need to do, ensures that you get there sooner than later without making those common first-time home buyer mistakes. All you need to do is call or email me and I can help you get started preparing for buying a home in the near future.
Are you ready to learn how much home you can be Approved for or receive your free, "get-ready mortgage" plan? All you need to do is send me an email at CreditScore@kimberlybuttle.com or call 206-799-0422.
I am looking forward to working for you and making your dream of owning your first home come true!
Cheers to your home-buying success,
Kimberly
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Posted by: Kimberly Buttle at 8:50am
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Sunday, November 20th, 2011
New HARP 2.0 Washington Refinance for Underwater Mortgages
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NEW HARP 2.0 Washington Refinance for Underwater Mortgages
Watch now to see What's the HARP 2.0 BUZZ
The original 2009 HARP loan - Home Affordable Refinance Program provided for a limited number of “underwater homeowners” the opportunity to refinance.
The NEW HARP 2.0 Washington Refinance for Underwater Mortgages
is commonly referred to as: Fannie Mae DU Relief Program, Obama's Refinance Program, Government Refinance loan
and Freddie Mac Open Access.
Important Dates : March 17
NEW HARP 2.0 Washington Refinance for Underwater Mortgages
can be underwritten after March 17 and are available for a limited time.
The HARP Refinance program began two years ago and eligible to homeowners with mortgages secured by Fannie Mae and Freddie Mac and includes those mortgages that were closed prior to June 1, 2009. Enter your address into both the links below to see if your loan qualifies for the HARP 2.0 Washington Refinance Program:
Fannie Mae - click here http://www.fanniemae.com/loanlookup/
Freddie Mac - click here https://ww3.freddiemac.com/corporate/
The NEW HARP 2.0 Washington Refinance for Underwater Mortgages does not care if you are 300% underwater.
If you have a 2nd mortgage, the 2nd mortgage lender will subordinate their loan to the new first mortgage lender. You can not consolidate the two loans into one loan. For many homeowners, an Appraisal may not be required which will save on your closing costs.
Another big improvement to the New HARP 2.0 Washington Refinance for Underwater Mortgages is it will allow homeowners to refinance even if a loan includes mortgage insurance or lender paid mortgage insurance. This is important as now one can shop for the best rate and terms for their refinance with any lender, not just be limited to their current mortgage servicer. Equally as important, Washington homeowners can refinance into today's low mortgage rates without concern for having to add new private mortgage insurance if they don't currently have it now on their mortgage.
Other changes includes less documentation, easier credit qualifying that will allow one 30 day mortgage late payment in the last 12 months {no lates in the last 6 months} (remember you have until Dec 31, 2013 to close on HARP 2.0 which gives you a good amount of time to improve your credit if you can't qualify today due to a recent mortgage late).
The new HARP 2.0 Washington Refinance for Underwater Mortgages is ready for new applications after March 17, 2012, so now's a good time to contact your loan officer to discuss your eligibility and to get your documents ready. Remember, you are not required to refinance through your current servicer (who you now make your mortgage payments to) to complete this HARP 2.0 Washington Refinance.
As Fannie Mae, Freddie Mac , Banks and lenders will all adopt slight variations of the same HARP 2.0 program, it's important to check around and find a lender that will be following HARP 2.0 without any added overlays and limitations.
General Guidelines for HARP 2.0
- Your loan is owned or guaranteed by Fannie Mae or Freddie Mac
- Current loan was closed prior to June 1 2009
- Have not refinanced using the first HARP refinance progam, unless it was refinanced under HARP between March and May 2009
- Your loan-to-value (LTV) ratio is greater than 80 percent to unlimited loan to value
- You haven’t been late with a mortgage payment in the last six months and have no more than one late payment in the 12 months.
Here's to saving money on your mortgage.....Good luck.
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Posted by: Kimberly Buttle at 6:05pm
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Saturday, October 22nd, 2011
Foreclosure In Washington? Demand Mediation - It's your Right!
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This is great news for Washington Homeowners facing a foreclosure who may now request neutral, third-party mediation via counselors, and attorneys. Eash party, Servicer and Homeowner, will pay $250 for a Washington foreclosure mediation process. The program was created by the Foreclosure Fairness Act, recently passed in July 2011 and has been successful in helping Washington homeowners facing foreclosures to evalutate other alternative resolutions.
“I’ve heard the stories of homeowners who have called the lenders multiple times and talked with numerous people, but they have been given different instructions and, essentially, the run around in the system for years without resolution,” said Tina Orwall, the primary sponsor of the Foreclosure Fairness Act. “This program offers homeowners hope in the form of housing counselors and a mediation session at which lenders are required to provide a representative authorized to make decisions and a neutral, third-party mediator to make sure everyone is acting in good faith.”
Washington Homeowners facing foreclosure who have received a Notice of Trustee’s Sale but whose house has not been sold as of July 22 and those who have received a Notice of Default but have not yet received a Notice of Trustee’s sale may request mediation with their lender or servicer through a housing counselor or attorney.
More Foreclosure Resources
Read the full Foreclosure Fairness Act at http://apps.leg.wa.gov/documents/billdocs/2011-12/Pdf/Bills/Session%20Law%202011/1362-S2.SL.pdf.
Click here for the Washington Foreclosure Prevention Resource Guide
For more information about the Foreclosure Fairness Act and/or Mediation Program, visit the Department of Commerce Website, www.commerce.wa.gov/foreclosures.
- For more information on foreclosure prevention, avoiding foreclosure rescue or loan modification scams and alternatives to foreclosure, visit www.homeownership.wa.gov.
- To contact a homeownership counselor call 1-877-894-HOME (4663) or visit the Washington State Housing Finance Commission at http://www.wshfc.org/buyers/counseling.htm.
- Contact the statewide civil legal aid hotline for legal assistance and referrals by calling 1-800-606-4819.
- Stay up to date on foreclosure prevention events and updates on the Foreclosure Fairness Act Mediation Program by liking the FFA Facebook page or following the FFA Twitter account:
- View the television public service announcement recorded by Washington Lieutenant Governor Brad Owen at http://www.youtube.com/wadfi.
- Listen to the radio public service announcement recorded by Washington Lieutenant Governor Brad Owen at http://dfi.wa.gov/consumers/homeownership/ffa-30.mp3.
- Download a brochure about the Foreclosure Fairness Act at http://dfi.wa.gov/consumers/homeownership/ffa-tri.pdf.
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Posted by: Kimberly Buttle at 7:32am
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Friday, October 14th, 2011
Home Buyer and Seller Seminars in Washington
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First Time Home Buyer Seminars
In Washington
Now Available ANY TIME, ANY WHERE!
FREE!
Listen to one or listen to ALL! All you need is an Email Address and the webinar link will be instantly sent to you! That's all, it's easy, it's convenient and it's FREE!
www.freebuyersuniversity.com
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Posted by: Kimberly Buttle at 12:36am
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Thursday, September 15th, 2011
Buying Zero Down * Duvall, WA
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YES, YOU CAN BUY with ZERO DOWN
Call Kimberly Buttle, Zero Down and FHA Specialist, at 206-799-0422 to get the facts, pre-qualify in minutes and get your list of eligible homes.
Duvall, WA; Monroe, WA; Snohomish, WA; Lake Stevens, WA and more
It's easier than you might think or have heard to qualify for our Zero Down financing at the lowest interest rates and payments! THE VA loan for our Military and Veterans is not the only Zero Down loan available today. The USDA Zero Down Government Loan is very popular in restricted areas and with family incomes less than $92,600 yr. for a family up to 4. (Greater income limits for 5+ family size.)
WHO's THIS LOAN PERFECT FOR:
- You need to find a home for your family to occupy and have less than $1000 to work with. (You can't even rent an apt or home for this little; first, last, sec. deposit {sound familiar})
- Have held a steady job for the past two years
- Don't mind a 20-30 minute commute to work.
- Don't have perfect credit but have paid your bills on time for the last 12 months.
- Need to Keep your Monthly Housing Payment as Low as Possible
You may also consider our Low Down payment options from 3-5%, if your new home will not be located in the USDA eligible areas.
Call Kimberly Buttle at 206-799-0422 to find out your purchase approval amount and to get a list of USDA eligible homes in Duvall, Monroe, Snohomish, Marysville, Carnation, Snohomish, North Bend and more. It doesn't cost a penny to talk, let's get started ~ 206-799-0422
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31130 NE 144th Street
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Duvall, WA 98019
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BUY ZERO DOWN Horse Property on Tolt Pipeline!
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| Price |
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$399,950 |
| Bedrooms |
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3 |
| Bathrooms |
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2.25 |
| Square Foot |
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1,662 |
| Lot Size |
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208,652 |
| Community |
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Duvall |
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King |
| Property Type |
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Detached |
| Year Built |
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1990 |
| MLS Number |
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232143 |
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click for more information and pictures
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| Property Description |
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Love to Ride?......Hate to always Trailer? Problem solved! This excellent home is a easy few minutes from town and features the hard to find 'RIDE FROM YOUR HOME' onto extensive TOLT PIPLINE TRAILS! The shy 5 acres is already set up for your horses with pastures, stalls, tack room, 60' lighted round pen, hay barn. It has it all! The well-designed home features open, sunfilled rooms. Kitchen with breakfast nook is accented with garden window. Decks overlook the property you will love. And what makes it really awesome about this property is that you can buy this with the USDA financing program.....It is possible to buy this with $0 down payment and potentiially have your closing costs paid.....and there is is no mortgage insurance required even though it is the lowest down payment required. Other types may required mortgage insurance with less than 20% down. Be sure to call me and I can further explain this wornderful program you may qualify for. Also, not all properties qualify for this type of financing and I can explain why. Look forward to your call!...or email:)
Special ZERO DOWN FINANCING available:
8/12/11 - 30 Yr Fixed Rate 4%, APR 4.321%, PITI $2389
Call Kimberly Buttle, Metropolitan Mortgage Group
at 206-799-0422 or email: k.buttle@comcast.net
Interest Rates may change without notice. |
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| Features List |
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| bull Horse Property |
bull Pasture |
bull 5 Acres |
| bull Acreage |
bull Barn |
bull Hay Storage |
| bull Equestrian |
bull Trails |
bull Tolt Pipeline |
| bull King County |
bull Duvall |
bull Arena |
| bull RV Parking |
bull Fenced |
bull 3 Bedroom |
| bull Fruit Trees |
bull Garden |
bull Shop |
| bull Deck |
bull Family Room |
bull 2 Story |
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Equal Housing Opportunity. |
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Posted by: Kimberly Buttle at 7:30am
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Friday, August 19th, 2011
Interest Rates are at a 50 YEAR LOW
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Interest Rates at a 50 Year Low
How many of you tried to buy a home before 2007? House prices were unaffordable for most of us to buy, interest rates were much higher, so you qualified for less home, which meant in order to own, you had to move to Timbuktu.
GOOD NEWS, FANTASTIC NEWS!
50 Year Low Interest Rates - Increases your Home Buying Power which lets you buy a much more desirable home in a neighborhood or city YOU want to live in!
First Time Buyers and Move Up/Down Buyers will save HUGE on monthly mortgage payments with Interest Rates at these 50 Year Lows - often at the same or at a lower payment than you're currently paying on Rent, BUT NOW YOU CAN ACTUALLY OWN YOUR HOME!
NEW Buyers can OWN with less money out of pocket than what you will need to move in to a new Rental!
It really is cheaper to OWN than Rent!
Plus there is a huge Surplus of Houses to choose from in excellent condition in the most desirable neighborhoods and cities at dirt cheap prices!
Buying at today's low housing prices means some nice appreciation and equity over the next 5-7 years! If you want to OWN, commit to at least staying in your new home for 5-7 years and reap the benefits; building equity!
Yes, you can even get a mortgage loan today if you have some credit issues!
Yes, there is still NO MONEY DOWN and very LOW DOWN loans at 50 YEAR Low interest rates and with very relaxed underwriting guidelines! NO KIDDING!
MY ADVICE
Protect Yourself from being Scammed when buying your new home or getting a home loan...Learn the Insider Mortgage Secrets before you get a mortgage.
Educate, Ask Lots of Questions, Educate! ...and you won't be scammed or pay tens of thousands more than you should pay! Start here: www.FreeBuyersUniversity.com
Listen to one or all 8 workshops in the privacy of your home! All in the privacy of your home, when you're ready to listen - These are Free, ON-DEMAND workshops. Enter your name and email, and the workshop Link is emailed to you immediately. That's it! Easy!
Opportunity is SO Knocking at your Door!
It's time to answer it!
Call Kimberly Buttle today!
206-799-0422
It doesn't cost a penny to talk!
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Posted by: Kimberly Buttle at 5:45am
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Friday, June 24th, 2011
Buy ZERO DOWN 3 Bedroom Home For Sale near Maltby Cafe
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Prequalify now for this great home with special ZERO DOWN financing; a must see 3 Bedroom Home for Sale in Snohomish- Maltby area. You can Buy Zero Down 3 Bedroom Home for Sale near the famous Maltby Cafe , the biggest and best tasty cinnamon rolls you have every had. Check out everything this home has to offer by clicking on the link below for more information and pictures.
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22125 Villa Dr
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Snohomish, WA 98296
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ZERO DOWN 3 bedroom Home for Sale In Maltby
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| Price |
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$285,000 |
| Bedrooms |
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3 |
| Bathrooms |
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2 |
| Square Foot |
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1,450 |
| Lot Size |
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20,473 |
| County |
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Snohomish |
| Property Type |
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Detached |
| Year Built |
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1984 |
| MLS Number |
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237676 |
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click for more information and pictures
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| Property Description |
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| Great home in Maltby! 3 bedroom, 2 bath, 1,450sqft rambler on shy half acre! Gleaming hardwood floors greet you at the entry and continue throughout the Huge Living Room, Kitchen, and Dining Room! Light and bright kitchen with newer appliances. Large Family Room with cozy gas fireplace and access to back patio. Dining room off of Kitchen. Large Master Bedroom with full bath! RV Parking and a pole building/shop in the back of the property. This home is an excellent value in a great area! |
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| Features List |
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| 3 Bedroom Home for Sale |
2 Bathrooms |
Rambler in Snohomish, WA |
| ZERO DOWN |
Hardwood Floors |
3 Bedroom For Sale |
| Newer Appliances |
Huge Living Room |
Huge Dining Room |
| Gas Fireplace |
RV Parking |
bull Shop |
| Country Living |
with Close Access |
to Everything |
ZERO DOWN 3 Bedroom Home for Sale in Snohomish |
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Equal Housing Opportunity. |
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You do not have to be a first time home buyer to qualify for ZERO DOWN financing or have perfect credit. If you're ready to get started, please click here ZERO DOWN to get our 24 hour-PreApproval. We have more homes like this that you can choose from with no money down and easy qualifying. Be sure to contact Kimberly Buttle at 206-799-0422 or creditscore@kimberlybuttle.com for more financing options.
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Posted by: Kimberly Buttle at 8:47am
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Wednesday, June 1st, 2011
Buy 4 Bedroom Home For Sale with Zero Down in Lake Stevens, WA
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Buying a 4 Bedroom Home for sale with Zero Down is still available to our most deserving Military folks using the VA Home Loan. But another very popular ZERO DOWN home loan for non-military is the USDA Zero Down Home Loan. The USDA home loan is for purchasing a home in more rural type areas and no, you don’t have to be a farmer. Many designated rural areas are close to big employers & top rated school districts as this 4 Bedroom Home for Sale with Zero Down in Lake Stevens, WA and are easy to qualify for even if you have some credit challenges. First time home buyers can today buy a bigger, better home than if they had purchased 4 years ago with these low, low housing prices and low interest rates. First Time Home Buyers should consider the ZERO DOWN Home Loan options, if they qualify, instead of the low down FHA Home loan or even the 5% Down Conventional loan option especially if concerned about parting with your cash. Now you can use that money originally designated for the down payment & keep it in your savings account for those unexpected events that could pop up. Another important fact that most don’t know; buying your home with either the VA Home Loan or the USDA Zero Down loan, if eligible, actually provides a lower mortgage payment than buying with either the 3.5% down FHA Home Loan or the 5% down Conventional loan. This is because these loans require a monthly mortgage insurance premium & the VA Home Loan & USDA ZERO DOWN loans do not. I recommend that you have your mortgage professional show you comparisons between your low down & Zero Down home loan options or call Kimberly Buttle at 206-799-0422 for a free consultation and credit review. As cash is king today, now is a great time to consider Rural for that 4 Bedroom Home for Sale with ZERO DOWN as in Lake Stevens, WA and enjoy a good night sleep in your very own home!
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Posted by: Kimberly Buttle at 10:45am
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