30 Year Fixed Rate Mortgage - Results of Bankrate.com’s Feb. 22, 2012, weekly national survey large lenders and mortgage rates obtained during the previous week. *APR numbers are estimated below.
Term
Rate
APR*
30 Year Fixed Rate
4.16%
4.43%*
Estimated
Amerifirst Financial Rate:
30 Year Fixed Rate Mortgage - These are the current rates offered at Amerifirst Financial during the week of February, 22, 2012. Credit requirements apply. Not all applicants will receive these rates.
Term
Rate
APR
30 Year Fixed Rate
3.75%
4.12%
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When Can I Buy Home After Bankruptcy Foreclosure, Short Sale?
I think I hear questions about this topic more often than anything these days, so I wanted to share with everyone the latest waiting periods for people to buy a home after a bankruptcy, foreclosure or short sale. Each type of of financing has it's own requirements. Below is a description of each. As always, please contact me anytime with any questions.
2011 FHA Guidelines
Bankruptcy – You may be eligible for a FHA loan after your bankruptcy has been discharged for 2 years with a Chapter 7 Bankruptcy (1 year with a Chapter 13 Bankruptcy).
Foreclosure - You may be eligible a FHA loan 3 years after the sale/deed transfer date.
Short Sale – You may be eligible for a FHA loan 3 years after the sale date of your foreclosure. FHA guidelines for a short sale are the same as a foreclosure.
Credit must be re-established with a 640 minimum credit score
2011 VA Guidelines
Bankruptcy - You may be eligible for a VA loan 2 years after a bankruptcy
Foreclosure - You may be eligible for a VA loan 2 years after a foreclosure
Short Sale - You may eligible for a VA 2 years after a short sale, unless it was a VA loan. There may be restrictions if that is the case.
Credit must be re-established with a minimum 620 credit score
2011 Conventional Guidelines (Fannie Mae)
Bankruptcy – You may eligible for a Conventional loan after your bankruptcy has been discharged for 4 years.
Foreclosure - You may be eligible for a Conventional loan 7 years after the sale date of your foreclosure. Additional qualifying requirements may apply,
Short Sale / Deed in Lieu of Foreclosure - You may be eligible for a Conventional loan 2 years after the date of your short sale for financing up to a maximum 80% loan to value (20% down payment)
After 4 years for financing up to a maximum 90% loan to value (10% down payment). Subject to private mortgage insurance underwriting guidelines.
After 7 years for financing above 90% Loan to Value (Less than 10% down payment). Subject to private mortgage insurance underwriting guidelines.
Credit must be re-established with a minimum 660 credit score.
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Mortgage Bank Provides Leads And Highest Commission in Boise, Idaho
Are you a loan officer making less than 200 BPS per loan??? Does that sound to good to be true? We are serious about bringing on quality loan originators, giving them the #1 real estate marketing system in the county, and watching them double the loan volume they are currently closing. If you are closing 2 or more loans a month and want to take it to the next level and double your loan volume, give us a call and lets get together so you can see what we have to offer. Below is a list of a few of the benefits originators enjoy at AmeriFirst Financial.
Make 200 BPS On Every Loan - Our LO's make 200 BPS per loan starting with loan number one. No crazy volumes or tiers you have to hit first. If you close $300K in volume per month, you're making $72,000/year. If you close $500K in volume per month, you're making $120,000/year.
Home Buyer Leads - We have a marketing system in place that will generate quality buyer leads for you every month. Take these leads to your realtors and build those relationship!
#1 Realtor Property Marketing System In The Country - We have so much to offer your realtors, and it's all totally FREE... Personal websites, individual property websites for each of their listings, text lead generation with sign riders, and one click posting of property websites to craigslist, facebook, youtube, and bloggin sites. We also guarantee to have their property websites on the first page of Google! Imagine offering all of this to your agents... Realtors love working with AmeriFirst!
Check out this video of Ricky Khamis describing his use of our marketing system:
If you are ready to take advantage of of the #1 realtor property marketing system and start getting paid 200 BPS per loan, give me a call today at 703-9696. Maybe it's time for you to work for a mortgage bank who provides leads and the highest commissions in Boise. I'd love to answer any questions you have and show you how you can double your business this year.
Mortgage Bank Provides Leads And Highest Commission
Mortgage Bank Provides Leads And Highest Commission
Mortgage Bank Provides Leads And Highest Commission
Mortgage Bank Provides Leads And Highest Commission
Mortgage Bank Provides Leads And Highest Commission
Mortgage Bank Provides Leads And Highest Commission
Refinance Upside Down Mortgage With No Appraisal Boise, Idaho. If you would like to refinance your mortgage to a lower interest rate, but didn't think you could because you're upside down on your home.... You're not alone. Thousands of people in the Boise area are upside down on their homes, but thanks to some new mortgage programs that have been made available, they are now eligible to refinance their mortgage at all time low rates. Many people who previously were not able to take advantage of the low rates are now being given that chance. Not everyone will be eligible, but those who can take advantage of this will usually save between $100 -$200 per month off their current mortgage payment. Check out a few of the benefits of this new rate reduction program.
No Cost - This rate reduction can usually be done with no cost to you out of pocket
Save $100 of More Per Month - On average this will reduce your monthly payment by $100 or more
Skip a Payment - When you do this rate reduction, you usually get to skip one month's payment
Upside Down on Your Home? - That's ok! You can now refinance your upside down mortgage with no appraisal done on the home.
Save Interest For Life of the Loan - You will save thousands of dollars of interest over the life of your loan.
I know life is busy, but if you can find 5 minutes to give me a call I will look up your home and let you know if you're eligible for this rate reduction. If you are eligible for the program, you can start savings $100 or more per month right away. Give me a call anytime on my cell phone 208-703-9696, or visit my website if you have any questions. I would love to help you refinance your upside down mortgage with no appraisal!
I know life is busy, but if you can find 5 minutes to give me a call I will look up your home and let you know if you're eligible for this rate reduction. If you are eligible for the program, you can start savings $100 or more per month right away. Give me a call anytime on my cell phone 208-703-9696, or visit my 
