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Just signed into law 11-6-09 First Time Home Buyers Extended and Expanded
Under the new law, an eligible taxpayer must buy, or enter into a binding contract to buy, a principal residence on or before April 30, 2010
Click on this link:
http://www.irs.gov/newsroom/article/0,,id=204671,00.html
Prevent Foreclosure
Community Housing Council in Fresno, CA
Website: WWW.CHCFRESNO.ORG
Federal Reserve Bank of San Francisco website's Foreclosure Resource Center
http://frbsf.org/community/issues/assets/preservation/index.html
Request a home loan, or mortgage refinance
With one phone call Debbie will be able to compare the rates of over 20 lenders at one time with your exact loan scenario! So what are you waiting for, call Debbie (559) 824-2300. Whether you are getting a purchase loan or refinance loan Debbie has the education and experience you require. She has a real estate license, is a member of the National Association of Professional Mortgage Women and has a Bacelor of Arts degree in Business.
PRE-APPROVED FOR A LOAN Real estate agents will require a pre-approval letter before they show you homes. Most sellers will not accept an offer without a pre-approval letter for your home purchase with the offer. You do not want any delays when making an offer on the home you want. This will also give you confidence in making an offer. You will know your down payment and monthly payment with the property taxes and homeowner's insurance included. If you need the seller to pay your closing costs, your agent will be informed the amount to ask for and how to structure the purchase contract.
FHA LOAN LIMITS FOR FRESNO AND MADERA COUNTY Fresno's new loan limit is $381,250. Madera County is $425,000. To see what the new loan limit is in your county click on the link below: https://entp.hud.gov/idapp/html/hicostlook.cfm
APPLICATION Filling out an application does not obligate you but will help to understand your situation and find the best home loan program, mortgage interest rate and payment comfortable for you. Feel free to call if you have questions, (559) 824-2300.
REVERSE MORTGAGE (below are links for more information)Receive monthly income or a lump sum or both if you and your spouse are at least 62 years of age and your home is paid off or has a low balance. Call to set up an appointment now to decide if this is right for you (559) 824-2300.
Please ask for the handout explaining the whole process of a reverse mortgage if you are unable to click on the following links:
RMHandout.doc
President Obama's Making Home Affordable Info http://www.financialstability.gov/
Borrower Information: Making Home Affordable Refinance and Modification Options Fact Sheet  Summary of Guidelines Modification Program Guidelines Counselor Q&A Additional Resources: www.WhiteHouse.gov www.HUD.gov Contact your mortgage company Contact a HUD-approved housing counselor
A CHARITABLE ORGANIZATION Want to give to disaster victims...look no further, http://can-do.org/ cuts out the red tape and gets help to the people who need help! Click on the button in the left column called "Compassion into Action." Or on the link above.
Blog Let me know how I am doing. I enjoy putting interesting quotes from famous and not so famous. Let me hear from you.
Rates Rates are updated on this site by 10 am everyday. Just click on the "Rate Sheet" button. Keeping you informed of your home loan empowers you. I look forward to working with you to make the best decisions for your purchase loan or refinance loan.
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