As a seasoned Mortgage Professional, starting my career in mortgage in 1996, I have weathered a lot of storms in this industry. Now more than ever it is vital to work with a Mortgage Professional that you can count on and that is up to date with the changes that are occurring daily in this market!
I dedicate 100% of my energy towards serving my clients and helping them reach their financial goals! This focused approach has provided me with the time to elevate my education and experience, so that I can guarantee a fully professional level of service to you! As a result, my valued clients, business partners and friends refer their family, co-workers, neighbors and other people they know to me for advice and consulting services.
Are you in the military, a firefighter, law enforcement, education or healthcare industry? If so, ask me about my Homes for Heroes program! It’s my way to say “THANK YOU” for all that you do!
If you want professional service with outstanding results, please contact me today. "My goal is simple...to help you reach yours!"
Tuesday, September 4, 2012
Pre-approvals are at no cost to you and can be done in about 15 minutes!
Please contact us at 253-228-1200 or firstname.lastname@example.org. You can also apply right online securely at your own convenience at www.legacyg.com/juliesw.
My goal is simple, to help you reach yours!
Thursday, August 16, 2012
Limited time opportunity for these low rate!
If you or someone you know may qualify for this amazing opportunity, please share my name and contact information with them!
"My goal is simple, to help you reach yours!"
Tuesday, August 14, 2012
Pierce, King and Snohomish County ~ $498,750
San Juan County ~ $470,000
For all other counties $417,000
These new limits apply to all loans closed from 8/6/12 to 12/31/12. 2013 limits are usually posted around November.
Some of the amazing benefits of VA Loans ~
* 100% financing ~ NO DOWN PAYMENT
* No monthly mortgage insurance
* Seller concessions up to 4% that can be used for items like gifts, discount points, credit card balances, collections, etc.. (in addition to closing costs)
* Surviving spouse of deceased Veteran may be eligble.
For more information on VA loans whether you are looking to purchase or refinance, please contact me!
I offer a $500 credit at closing as part of my Homes for Heroes program for all Military, Firefighters, Police Officers, Teachers and Healthcare Workers as my way of saying "Thank you for all you do!"
Monday, March 19, 2012
* NO maximum LTV (loan to value ratio) for fixed rate mortgages
* No credit score requirements
* Must have closed prior to 6/1/09.
For scenarios in WA state contact me at 253-228-1200 or email@example.com.
This does not constitute a commitment to lend. All loans subject to full underwriting approval and satisfactory appraisal. Program subject to change without notice. Individual(s) listed are employees of Legacy Group Lending, Inc., NMLS ID #4455. For state specific licensing information visit www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/4455. Affiliated companies: Legacy Group Capital, LLC NMLS #99045, Legacy Group Escrow, LLC License # 540-EA-40580.The Legacy Group is not affiliated with the US Government.2012-03-19 10:02:11
Tuesday, January 31, 2012
The loan will be a 30 year loan with zero interest which will be due in 30 years and/or if you no longer use the home as your primary residence.
Income limits as of 1/31/2012 are as follows:
Friday, January 20, 2012
In order to do this, you will need to start applying for new credit. Sounds scary I know after just going through the bankruptcy but it will be necessary if your goal is to become a homeowner. Here are some options that may be available to you. You have probably noticed all of the offers coming your way for credit cards, auto loans, personal loans, etc., do your homework. If it sounds too good to be true it probably is!
The easiest way to start re-establishing your credit is with a secured credit card. You give the bank some money to hold and the bank willg ive you a credit limit equaling that amount. You can get these from local banks, credit unions, and by searching online. Orchard Bank, First Premier and Capital One are just some of the online companies to choose from and chances are you have already received several offers from them. Be very careful of outrageous fees and shop around a little before you start applying.
Unsecured credit cards are another option. These will not require you to give money to the lender to open up the card, however, still may have high upfront fees so shop around first.
With both of these options you will want to request a credit increase after about 12 months and make sure to keep your balance as low as possible on these by either paying off monthly or higher than the minimum payment due. It is very important to go with companies that will report your history to all three credit bureaus. Don't forget to make your payments on time! The lender will look very closely at any late payments after a bk and that could completely ruin your chances of being a homeowner with even 1 late payment reported on your credit report!
Personal loans and auto loans are another way to start rebuilding your credit.
There are time frames that you will need to be aware of as well and they are as follows:
Wednesday, January 11, 2012
If you currently have an FHA loan, FHA allows you to do a streamline refinance without having to verify income also, an appraisal is not required.
What is a FHA Streamline Refinance? This is a refinance designed to lower the monthly principal and interest payments on a current FHA-insured mortgage with streamlined documentation.
Some of the specifics on a FHA streamline are:
- First and foremost you must have a minimum of a 5% payment reduction.
- Your lender may be able to provide a "NO COST" streamline which would allow for you to not pay any closing costs and/or prepaids out of pocket. It is always my goal to try and do what I can to provide a no cost streamline for my clients but it is not a guarantee this can be done.
- No cash back to the borrower, except for the minor adjustments at closing. It can not be more than $500.
- Employment must be listed on application and it will be verified. (Only employment, not income)
- Income documentation for wage earners or self employed is NOT REQUIRED.
- Other credit and/or debt is typically not considered.