HARP...Y MONDAY!

Are you one of the 9 million people out there looking for help with your mortgage?

NOW Accepting applications for HARP 2.0!

* NO maximum LTV (loan to value ratio) for fixed rate mortgages

   (105% max LTV for adjustable rate mortgages
* No credit score requirements
* Must have closed prior to 6/1/09.

* All occupancies allowed (Owner occupied, 2nd homes, investment properties)

* Properties currently listed for sale ~ no seasoning requirements, listing must be cancelled and documented as being cancelled.

*  Properties with mortgage insurance ~ we will need to check with current MI servicer's requirements.  Additional requirements may apply. 

Lower term from 30 to 15 year (>105% ltv not available until 6/1/12).

Mortgage must be owned or guaranteed by Freddie Mac or Fannie Mae. (visit www.freddiemac.com/mymortgage or www.fanniemae.com/loanlookup/) If you do not see yours on there, let me know.  They are very specific on how the information must be input and I would hate to see you not think you qualify when you actually do!

Please note, there may be some variations on what is allowed via Freddie and Fannie. 

For scenarios in WA state contact me at 253-228-1200 or juliesw@legacyg.com. 

MLO-185767

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 

City of Tacoma Down Payment Assistance Program

If you are a first time homebuyer (or owned a home in the past 3 years) and qualify under the income guidelines there is a wonderful down payment assistance program available in the City of Tacoma!  The program offers up to 3.5% which is the current required down payment for FHA.  The funds can be used towards the down payment and/or closing costs.  You as the buyer are required to contibute $1000 of your own moeny in order to receive the assistance.  The rest of the closing costs can come from a seller credit if that is how your offer is accepted.

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:

If you rent you are paying a mortgage, why not pay your own?

The rental market is hot right now and rent prices are reflecting the supply and demand out there!  People who had their homes foreclosed on need somewhere to live and the demand is growing by leaps and bounds.  With that being said there are a lot of homes on the market right now that are killer deals and why pay your landlord's mortgage?  Out of 10 cities across America that have housing markets that are predicted to rise, 5 of those are in Washington State.  You are paying a mortgage right now whether you own  a home or not...why not pay your own mortgage and get the benefits?  Whether you are a first time home buyer or buying an investment property now may be the time to get serious about it.   http://247wallst.com/2011/05/11/housing-markets-that-will-rise-most-this-year/3/

Why use me for your home financing needs?

KNOWLEDGE:  I have been doing loans for over 14 years!  I am dedicated every day to staying on top of what is going on in this industry and it is becoming a challenge every single day!  If you are using someone that is just getting by, then in my opinion you are risking a lot!  There is so much to know and so many changes…just today Chase changed some more of their guidelines..its crazy!  I am qualified, licensed and able to help you and your clients close on their home! 

INTEGRITY:  This is truly one of the most important transactions in the lives of our clients!  Because of that it is important that you work with someone you trust and feel is an expert with integrity!  People trust me with their most valuable asset…their money!  It is a responsibility I take very seriously and I know that your success is my success!

LOCAL EXPERTISE:  I have been in this area for over 6 years now and in the Puget Sound for over 20 years.  I have a lot of connections through out Tacoma and the South end and that helps me help out you and our clients as referral business is the key to a successful career!

SUCCESS!  I measure my success through the satisfaction of my clients, not by awards or achievements!  I will always provide to you and our clients sound and trustworthy advice to help you all achieve your goals!

MY GOAL IS SIMPLE....TO HELP YOU REACH YOURS!

For more information please contact me at 253-228-1200 or juliesw@legayc.com.

You can also apply online 24/7 at http://www.legacyg.com/juliesw