First Time Home Buyers
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 Refinance Application secure!

GOVERNMENT LOANS:

FHA PURCHASE

 FHA REFINANCE

 FHA "Streamline" Refinance

USDA Loan

VA Loan-Military

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CONDOS

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Preferred Wisconsin Realtors


Need Home Owners Insurance?
brian.bassett@sentry.com
cell: 414-881-4204

Need a Builder in Waukesha?
Pinnacle Building, Inc.


RESTORED WATER TOWER
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FANNIE MAE

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chix4acause.org
 (cancer support)

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with Eric Stromer

My Active Rain Mortgage Blog

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Need a VENTLESS Fireplace
For Your New Home?
www.sunjelfireplaces.com


 

Do you currently have an FHA mortgage? If so, ask about the FHA STREAMLINE REFINANCE!!!!

Do you have credit scores in the low 600's?

"You may still qualify for a low 30 year fixed interest rate mortgage"

FHA Streamline: (Must currently have a FHA mortgage)

No income Docs needed
No Verification of employment needed
No Debt, No Assets needed on 1003 (application)
Do Need a good MTG History
Need SS# card or W-2 to verify

No Employment Info needed

It's Best to do appraisal

Must be a savings of at least $50.00 a month

Yes- upfront MI (Mortgage Insurance) with a partial credit within 3 years only of last refi
Yes- Will need to set up another escrow account

REFINANCE NICHES:

Rate and Term up to 97% of the value of your home

Rural OK- No max LTV and No max Acreage OK

Mobile Homes – 85% LTV, $90,000 Minimum Loan Amount FIRM!




SOME FHA REFINANCE GUIDELINES:

Seasoning – Must be in the home for 3 months

Owner Occupied Only

30 year fixed or 15 year fixed, No pre payment penalty

No peeling paint but will escrow the cost into the loan during the winter months

No over 30 day Late Mortgage payments in past 12 months - One 30 day late payment reduces LTV to 85%



 

FHA HAS LOAN LIMITS : click here for FHA loan limits (click on state, then fill in county)

Max loan amount for Single Family homes:
Milwaukee, Washington, Waukesha, Ozaukee County: $315,000
Kenosha County: $410,000
Dane, Iowa, Columbia: $293,750
All Other Counties: $271,050

*LET US SEE IF YOU QUALIFY!!!


If you would like to refinance.....click here to apply online


If you would like to buy a home.....click here to apply online