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FOR THE BEST SERVICE & COMPETITIVE RATES Call (559) 824-2300
WHY WOULD YOU CALL DEBBIE? To gain access to more loan programs offered at over 30 wholesale lenders. Retail banks only have their specific loan programs. Also, excellent customer service. You will reach who you need to speak with, your questions will be answered and you will have access throughout the loan process. This is one of the largest purchases you will make in your lifetime. To help reduce that stress, you need someone who will give you the information you need when you need it. You need to be informed of the process and someone willing to give you what you will need at closing.
FREE LOAN MODIFICATION (559) 221-6919 Community Housing Council of Fresno Overview: Our organization provides a wide range of educational events and counseling. We are a part of several collaborative networks dedicated to assisting homebuyers and homeowners with a variety of issues. Mission: Moving people into sustainable homes Products: First Time Buyer Counseling
Homebuyer Training and Financial Counseling
Foreclosure Counseling
Loan Modification Assistance
- ```````````````````````````````````` 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 with the offer. You do not want any delays when wanting to make an offer on the home of your dreams. This will also give you confidence in making an offer, especially if you need the seller to pay your closing costs....your agent will be informed 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 program, rate and payment comfortable for you. Feel free to call if you have questions, (559) 824-2300.
TAX CREDIT For purchasing a home 01-01-2009 To 12-01-2009 The tax credit is 10% of the purchase price with a cap at $8,000. There is an income maximum for a single person of $75,000 and $150,000 for a couple. Check with your tax accountant for more details.
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: Handout on Reverse Mortgage.pdf
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 Don't forget to check out the blog. I enjoy putting interesting quotes from famous and not so famous. You may also communicate with me through the blog....I would love to hear from you.
Rates Rates are updated on this site by 10 am everyday. Just click on the "Rate Sheet" button. Keeping you informed empowers you. I look forward to working with you to make the best decisions for your individual situation.
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