You could be paying your own mortgage – instead of your landlord’s. Many renters believe that buying a home is a difficult and painful process. That doesn’t have to be the case. Attend our seminar on:

DATE AND TIME: November 30th 2011 at 6:30pm
PLACE: Raymour & Flannigan 444 Quaker Lane Unit #4 Quaker Commons Condo. Warwick, RI 02886

REGISTER NOW:
http://www.myloan123.com/forms/firstTimeBuyers.html
or
CALL NOW: 401.384.6970

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Flexner comments in the news

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 A recent report by FICO shows more than 25% of Americans have a credit score lower than 599. With a credit score that low, it makes it very difficult to take advantage of the current record-low interest rates. Below are the main factors, and the percentage of importance of each, that are used to determine your credit score.

1. Payment history = 35% – The most important thing is to pay your bills on time.
2. Amounts owed = 30% – This is the amount of money you owe versus the amount of credit you have available to you. A 20% debt-to-credit limit ratio is optimal.
3. Credit history = 15% – It’s better to keep old credit accounts than to close them.
4. New credit = 10% – Don’t apply for new credit without a good reason.
5. Credit mix = 10% – Try having a good mix of credit, such as credit cards, retail accounts, mortgage, installment loans, and consumer finance accounts.

“The wisdom acquired with the passage of time is a useless gift unless you share it.”

– Esther Williams, Swimmer & Actress / Born: August 8, 1921

 “Failure is success if we learn from it.”

– Malcolm Forbes, Businessman / Born: August 19, 1919

 “If I was being paid thirty-thousand dollars a year, the very least I could do was hit .400.”

– Ted Williams, Baseball Legend / Born: August 30, 1918

Your endorsement is the greatest compliment you can give.

Office 401-384-6970

 Providing a valuable and trusted mortgage service is top priority. If you feel you’ve received a high level of service, it would

be greatly appreciated if you share your experience with friends, co-workers, relatives or anyone else who may be in need of mortgage services.

Furthermore, if you ever have any questions, always feel free to call.

Thank you. Your business is appreciated.

 This is not a commitment to lend or extend credit. Restrictions may apply. Information and/or data is subject to change without notice. All loans are subject to credit approval. Not all loans or products are available in all states.

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Buying a home has always been a big decision. But for some people today it’s a difficult decision because of all the conflicting information coming from the media. To make matters worse, that information is often outdated…or even inaccurate.

If you know anyone who is thinking of purchasing a home this year, please share the following information with them:

1. Mortgage options are still plentiful for borrowers with good credit scores and documented income.
2. There are still programs available, like FHA, that allow as little as 3.5% down payment, and many others that allow less than 20% down.
3. Jumbo mortgages are still available on loan amounts even in excess of $2 million dollars.
   Vacation/second home financing can be obtained with as little as 25% down, even with jumbo mortgages.
4. There are “first time homebuyer” mortgages available at discounted interest rates and with reduced down payment requirements.
5.  As of today, rates on most mortgages are still at the low end of the range when compared to the last 30 years.
6. There are plenty of First Time Homebuyers Grants available.
7. There is 100% Financing on Rural Housing Loan Programs and No Mortgage Insurance.
8. Most homes are selling at a big discount relative to 5 years ago.

Make sure your friends and family know the facts! Owning the home of their dreams may not be as hard as they think.

Send your friends and family this letter and let them know I would be happy to meet with them and help them determine what options are available in their personal situation. Getting pre-approved for a mortgage BEFORE speaking to a Realtor could help make them a much stronger buyer in the eyes of a seller. If there’s anyway I can lend a hand, I’ll be happy to do so.

Thanks for your help and continued support, and if you have any questions about your own situation call or email me anytime!

NHusing@gmail.com

619.981.2641 Cell

401.384.6970 Office

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For all of us that are passionate for our industry lets spread the word..

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We are  pleased to offer our clients the United States Department of Agriculture (USDA) Guaranteed Housing Program, offering zero down purchase loans (with no monthly mortgage insurance) to low to moderate income families residing in communities with a population of less than 20,000. Become an expert in Guaranteed Rural Housing to gain more clients and close more loans in small communities and rural areas.

Program Highlights:  

• Flexible credit and qualifying ratios No maximum purchase price or mortgage limit. Loan amount is based on borrower’s income and standard qualifying ratios.
• Not limited to first time home buyers
• Competitive 30-year fixed rates
•  No monthly mortgage insurance (MI)
•  No down payment and no cash reserve requirements

 For more information, contact us

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