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FHA | FHA LOAN! 14 Things You Need to know [FHA Loan Officer] Home Loans (MORTGAGE) FHA Loans - FHA | FHA Loan | What is an FHA Loan? FHA (FHA Loan) best FHA video, FHA loan officer, FHA Program, FHA process, FHA loans, FHA loan, FHA mortgage loan, home loans, FHA loan house hacking, FHA mortgage, FHA loan process, FHA mortgages, what is an FHA loan, How FHA loans work, how to get an FHA loan, what is an FHA loan, FHA loans explained, FHA mortgage loan, FHA first time home buyer, how FHA loans work, FHA loan for the first time home buyers, first time home buyer, FHA, mortgage, FHA Loan Process, loan programs, FHA guidelines, FHA loan with bad credit, FHA first time home buyer, FHA home FHA First Time Home Buyers - The FHA mortgage loan steps for an FHA or other real estate home loans not only FHA. Real Estate Loan with an FHA Loan [FHA] FHA loan | FHA loan process [MORTGAGE] FHA Mortgage Loan [Home Loans] Mortgage steps at http://www.FireYourLandlord.info for an FHA home loan application online. For an FHA First Time Home Buyer loan, call Chris a Rancho Cucamonga Loan Office.! 10 minutes to fill out an FHA home loan application to get a real estate loan. The Loan process, FHA loans FHA calculate. FHA mortgage loans & FHA mortgage loans in detail and easy FHA loan and what is an FHA loan? Easy Home loan for first-time homebuyers with an FHA loan!. "Fire Your Landlord" Chris explains the FHA loan process for FHA loans & the FHA mortgages 2020 California, including how to qualify for an FHA mortgage. So, having an FHA loan explained how to buy real estate, often with little money down can get you where you want to be! Homeownership through an FHA mortgage! The loan process for FHA home loans is easy. FHA Loan with a 3.5% down payment video is so well-liked by potential FHA loan buyers. FHA first time home buyer! In today's FHA loan real estate loan market, we know the simple & quick steps to help you Fire Your Landlord®. Th! What are FHA home loans?. FHA loan at 3,5% down payment offers FHA home loan application online at www.FireYourLandlord.info - FHA Loan. FHA home loans are the easiest home loans to qualify in the mortgage industry. Then the FHA loan is explained properly, you'll see that with a low down payment, low credit score, & provable income, you can use an FHA mortgage whether you are a first time home buyer or a seasoned investor, but it must be used for owner-occupied property only. FHA is still the easiest mortgage to qualify for in the entire mortgage industry. An FHA loan multifamily is available for 2, 3, and 4 unit properties with only a 3.5% down payment! These HUD loans are the lowest down payment programs to buy a multi-family home! If you have been spending time with the house for rent ads, FHA loans could be your answer to shopping for a home instead! With FHA loans California and mortgage loans FHA loan 2021 may be your easiest loan to qualify for! This video is FHA loans explained, what is an FHA loan, how do FHA loans work the FHA loan process, what is an FHA mortgage. The FHA loan process and qualifying for an FHA mortgage and FHA loans a than most other loans with easier qualifications. An FHA loan explained correctly can make the difference between a successful close and an aggravating one. FHA Mortgages are insured by the Federal Housing Administration. BEST FHA Video! 00:00 FHA Introduction 00:25 step number 1 – Down Payment for an FHA Loan 01:04 Step number 2 - Income For an FHA Loan 03:04 Step number 3 - Employment History for an FHA Loan 04:20 Step number 4 - Debt Ratios for an FHA Loan 05:41 Step number 5 - credit Requirements for an FHA Loan 09:40 Step Number 6 - Seasoning for an FHA Loan 10:46 Step number 7 - Where can the Down Payment come from for an FHA Loan 12:32 Step Number 8 - Documentation for an FHA Loan 13:56 Step number 9 - How an FHA loan works 15:05 Step number 9 - Mortgage Insurance on an FHA loan 16:32 Step number 11 - Preapproval for an FHA Loan 19:56 Step Number 12 - The Loan Process for an FHA Loan 21:28 Step number 13 - How to think about the loan process 22:26 Step Number 14 - You get the Keys and You have Fired Your Landlord with an FHA Loan FHA Loan guidelines for FHA mortgage loans are the same in California & nationally. ~~~~~~~~~~~~~~~~~~~~~~~~~~~ #fha #fhaloan #fhamortgage Apply online at http://www.FireYourLandlord.info only takes 5 mins to get started FHA loans real estate - Fire Your Landlord! To learn how much mortgage can you can qualify for. Watch https://www.youtube.com/watch?v=wA8QLQysJMg&t=2s For an FHA mortgage, or if you have an FHA loan question, call Chris an FHA Loan Officer! Fire Your Landlord with FHA loans to qualify for FHA! MORTGAGE Loan to buy a home with an FHA Home loan! Chris Trapani NMLS# 240870 Cell: 310-350-2546 Fire Your Landlord® 800 N. Haven Avenue, Suite 240 Ontario, CA 91764

FHA (FHA Loan)HOME LOANS [FHA Requirements] What is an FHA Loan (FHA Mortgages) FHA Loans | 2020 FHA. Learn about FHA! FHA Loan! (FHA Loan) HOME LOANS! FHA Requirements! Home Loans! FHA loans! Mortgage Loans! Why FHA? FHA Benefits? What is an FHA loan? FHA! FHA Loans! How does an FHA loan work? Easy FHA process of buying a home with an FHA loan in 2020 and how the entire "Home loan" FHA process works. FHA mortgage loan guidelines change so learn the loan process to get a mortgage loan & FHA loan requirements 2020 California. An FHA Mortgage pro's look at FHA loans and the FHA loan requirements and the FHA mortgage industry and how to buy a home using an FHA mortgage and home loans. This home loan video has FHA home loan requirements, what is an FHA home loan FHA mortgage loans FHA mortgage loan of how to buy with FHA home loan simple mortgage steps. Mortgage! FHA! Home Loans! Mortgage! Mortgage Loans! FHA First Time Home Buyers - The FHA mortgage loan steps for an FHA or other real estate home loans not only FHA. Real Estate Loan with an FHA Loan [FHA] FHA loan | FHA loan process [MORTGAGE] FHA Mortgage Loan [Home Loans] Mortgage steps at http://www.FireYourLandlord.info for an FHA home loan application online. For an FHA First Time Home Buyer loan, call Chris a Rancho Cucamonga Loan Office.! 10 minutes to fill out an FHA home loan application to get a real estate loan. The Loan process, FHA loans FHA calculate. FHA mortgage loans & FHA mortgage loans in detail and easy FHA loan and what is an FHA loan? Easy Home loan for first-time homebuyers with an FHA loan!. "Fire Your Landlord" Chris explains the FHA loan process for FHA loans & the FHA mortgages 2020 California, including how to qualify for an FHA mortgage. So, having an FHA loan explained how to buy real estate, often with little money down can get you where you want to be! Homeownership through an FHA mortgage! The loan process for FHA home loans is easy. FHA Loan with a 3.5% down payment video is so well-liked by potential FHA loan buyers. FHA first time home buyer ! In today's FHA loan real estate loan market, we know the simple & quick steps to help you Fire Your Landlord®. This FHA loan process video reveals the whole loan truth! What are FHA home loans?. FHA loan at 3,5% down payment offers FHA home loan application online at www.FireYourLandlord.info - FHA Loan. FHA home loans are the easiest home loans to qualify in the mortgage industry. Then the FHA loan is explained properly, you'll see that with a low down payment, low credit score, & provable income, you can use an FHA mortgage whether you are a first time home buyer or a seasoned investor, but it must be used for owner-occupied property only. FHA is still the easiest mortgage to qualify for in the entire mortgage industry. An FHA loan multifamily is available for 2, 3, and 4 unit properties with only a 3.5% down payment! These HUD loans are the lowest down payment programs to buy a multi-family home! If you have been spending time with the house for rent ads, FHA loans could be your answer to shopping for a home instead! With FHA loans California and mortgage loans FHA loan 2020 may be your easiest loan to qualify for! FHA is such a popular home loan is a simple loan process of how to buy a house. FHA often includes zero down payment FHA loans adding a few extra requirements in down payment assistance programs in 2020. This video is FHA loans explained, what is an FHA loan, how do FHA loans work the FHA loan process, what is an FHA mortgage. The FHA loan process and qualifying for an FHA mortgage and FHA loans are a simpler process than most other loans with easier qualifications. An FHA loan explained correctly can make the difference between a successful close and an aggravating one. FHA Mortgages are insured by the Federal Housing Administration. BEST FHA Video! 00:00 FHA Introduction 00:22 step number 1 – What is an FHA loan 00:44 Step number 2 - As low as a 500 minimum Fico Score 01:05 Step number 3 - Negative credit wait periods 01:27 Step number 4 - Debt Ratios 02:16 Step number 5 - Income Requirements 04:01 Step Number 6 - Documentation 05:48 Step number 7 - The Loan Process 10:02 Step Number 8 - Call Me Up! 310-350-2546 FHA Loan guidelines for FHA mortgage loans are the same in California & nationally. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ #fha #fhaloan #fhamortgage Like | Share | Comment & Subscribe Apply online at http://www.FireYourLandlord.info 5 mins to get started FHA loans real estate - Fire Your Landlord! To learn how much mortgage can you can qualify for. Watch https://www.youtube.com/watch?v=wA8QLQysJMg&t=2s For an FHA mortgage, or if you have an FHA loan question, call Chris an FHA Loan Officer! Fire Your Landlord with FHA loans to qualify for FHA! MORTGAGE to buy a home with an FHA Home loan! Chris Trapani NMLS# 240870 Cell: 310-350-2546 Fire Your Landlord® 800 N. Haven Avenue, Suite 240 Ontario, CA 91764

Understanding how your credit score works and why having credit is one of the most important things you can do in relation to having a great credit score! 00:00 Introduction 0:15 Credit Availability 1:03 Authorized User 2:00 Credit Usage 2:50 Catastrophic Events 30% of your credit score is based on credit availability. That is a huge chunk of your possible credit score that you would be missing out on! Without credit cards, you have no credit availability. An installment loan or car l9oan does not give you credit availability. If you have a 10,000 car loan and make a few payments, can you receive more credit on the same loan? If you pay off $5,000 of it can you charge up the other $5,000? No of course not - that is why there is no credit availability. If you have a $1,000 card, you have credit availability. Obviously paying the bill on time is important, but equally important is your usage of the credit. Do you max out the limit on your credit card? If you do you'll be rewarded with a lower score! If you keep your usage under control, perhaps no more than 30% of the credit card limit, you will be rewarded with a considerably higher score. Also important is the age of the cards. a 6-month-old credit card has limited seasoning and history, therefore it will not tell the credit agencies much. A 10-year-old card provides a strong indicator of how you handle your finances. So... how to do suddenly establish 10-year great credit history? You can't! But people you know with this great history can easily do this for you. If a friend or relative has this great history: 3 rules for doing this 1) less than 30% of the limit owed (otherwise you do not want it on your credit report) 2) always paid on time (otherwise you do not want it on your credit report) 3) the older the credit card the better - preferably over 5 years old, then the credit card company will send them a credit card with your name on it. They can cut up the card. You don't use their credit. You just get to use their great history on your credit report. People often ask - will it affect their credit - not at all. Not even one point. It does not affect them in the slightest! http://www.FireYourLandlord.info for FHA loan application online. Apply online. even FHA Loans bad credit! FHA Loan guidelines for FHA mortgage loans are the same in California and nationally. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ #creditcards #creditscore #fico Like | Share | Comment and Subscribe Apply online now at http://www.FireYourLandlord.info 5-10 mins to get your process started. FHA loans real estate - whole loan process and Fire Your Landlord! To learn how much mortgage can you can qualify for. Watch https://www.youtube.com/watch?v=wA8QLQysJMg&t=2s For an FHA mortgage, or if you have an FHA loan question, call Chris an FHA Loan Officer! Fire Your Landlord with FHA loans to qualify for FHA! Mortgage loan to buy a home with an FHA Home loan! Chris Trapani NMLS# 240870 Cell: 310-350-2546 Fire Your Landlord ® 800 N. Haven Ave, Suite 240 Ontario, CA 91764

[VA Loan] Home Loans - VA Loan Requirements - Mortgage For VA loans & VA loan (Home Loans | Vets) (VA Loan) Home Loans - VA Loans and VA Loan Requirements! Mortgage Loans for VA Loans. Home Loans for vets! If you are a vet looking for HOME LOANS, use your VA loan for a MORTGAGE! VA Loan Officer - VA loan updates, VA loans 2020, home loan, home loan process, home loans, home loans 101, home loans explained, home loans for first time buyers, home loans for first-time buyers California, mortgage loan, mortgage loans, VA guidelines, VA home loan, VA home loan process, VA home loans, VA loan, VA loan eligibility, VA loan explained, VA loan limits, VA loan limits 2020, VA loans, Mortgage, Va loan changes, buy a house, VA home loan requirements, VA loan requirements 00:00 Introduction 00:25 Tip # 1 – Discharge 00:46 Tip # 2 – DD-214 01:03 Tip # 3 – Only One VA loan allowed at a time/// FALSE 01:25 Tip # 4 – Maximum Loan Amount – Please ignore. Since the making of this video, there is no longer a VA loan limit! 02:27 Tip # 5 – Down Payment 02:45 Tip # 6 - Funding Fee 3:35 Tip # 7 – Fico Score 04:25 Tip # 8 – Pre-Approval 06:17 Tip # 9 – Look at Properties 06:50 Tip #10 – Offer Accepted 07:09 Tip # 11 – Disclosures 07:29 Tip # 12 – Appraisal 09:03 Tip # 13 – Income 11:36 Tip # 14 – Documentation 13:12 Tip # 15 – Termite Report 13:41 Tip # 16 – We get the Approval 14:14 Tip # 17 – Conditions 14:35 Tip # 18 – Closing Disclosures 15:02 Tip # 19 – Closing Costs 16:07 Tip # 20 – The Loan Funds The VA loan process & about a VA mortgage and VA loan requirements to purchase a home, Also a Home loan refinance called an IRRRL - the interest rate reduction refinance loan, the VA loan process, VA home loan requirements, how do VA loans work, use your Veteran loan & 20 things to know about a VA loan. VA home loans, VA loan requirements, the VA loan process and everything about VA home loans how do VA loans work and every part of VA loan eligibility. Mortgage! Va Loan! VA Mortgage! VA Loans! VA Loans what you need to know! Va Loans! VA Home Loan Process! VA loans 2020! VA loan explained. VA home loan requirements. Home Loans Explained. VA Home Loan Process. Home Loans 101 & home loans explained. I'll teach you the whole loan process and the simple mortgage steps to getting approved. Did you know that if you are a disabled vet 10% or more you will also be entitled to a waiver of the VA funding fee! That will save you thousands of dollars on your VA loan! (New Guideline - Vets who have received a purple h will also have the funding fee waived. VA loan qualifications, VA loans bad credit policies VA loan closing costs the VA home loan process and all mortgage home loan options. The entire VA home buying process and the VA loan approval process are included with the steps to buying a house with a VA loan! Learn the VA home loan process, how VA loans work, VA home loans for dummies, how to use a VA home loan and a VA mortgage how do VA home loans work. You'll learn the whole loan process. Also, learn about the IRRRL loan (Interest rate reduction refinance loan) You earned a VA loan eligibility! Fire Your Landlord with a VA loan. Learn the VA loan process in English from an IRRRL to the whole loan process and everything in between. He covers the entire VA loan process from what is a VA home loan to a VA streamline refinance. As a VA loan specialist, For a VA loan application online please visit http://www.FireYourLandlord.info and click on apply for a VA loan. #VALoan #VAloans #VAhomeloans Like | Share | Comment and Subscribe Use this VA home loan application online now at http://www.FireYourLandlord.info facebook - https://www.facebook.com/iwantyoutofireyourlandlord linked in - https://www.linkedin.com/in/christrapanithemortgagepro/ Instagram - http://www.instagram.com/christhemortgagepro Buy a home in Rancho Cucamonga, Inland Empire, San Bernardino, Riverside, LA County & Orange County? Know that you’re getting the best deal and not making the rookie mistakes when it comes to buying a home. Call the pro and find out about VA benefits for veterans. Learn the best IRRRL tips! VA IRRRL tips, can give you a great advantage with the VA loan process and know the whole loan process is a distinct advantage when either purchasing a home and knowing how VA loans work with these VA tips can save you both time and money! Whether it's a VA refinance, a VA house loan VA mortgage loan or you just want to know VA loans how do they work, Chris will help you if you need a VA home loan application or you want a home loan calculator. Veterans' home loans and what programs are available as home loans for veterans. How to buy a house in the military can be a very simple or very complicated process, often depending on the experience of the mortgage lender with VA loans. Chris Trapani "The Mortgage Pro" NMLS# 240870 Cell: 310-350-2546 Fire Your Landlord® 800 N. Haven Ave, Suite 240 Ontario, CA 91764

MORTGAGE! Conventional Mortgage Loan| Conventional Loan |Conventional Home Loan | What Is A Conventional Loan? | Chris Trapani 310-350-2546 Chris Trapani the mortgage Pro 310-350-2546. People often ask me about conventional loans, "What's a conventional Loan". Well, Fannie Mae or Freddie Mac, you may have heard those names over the years for a conventional loan, Fannie Mae and Freddie Mac are federally-backed home mortgage companies created by the U.S. Congress. ... Instead, they buy and guarantee mortgages issued through lenders in the secondary mortgage market. 00:00 Credit is the Most Important 1:23 Bankruptcy and Foreclosure 1:52 Collections 2:27 Down Payment Options 3:38 PMI 4:50 Large Down Payment? 5:20 Investment Property 6:05 Second Home 6:46 Income Requirements 8:18 Income Calculations 10:49 Everything needs to be Proven 11:33 Is Conventional the Perfect Loan? 12:14 Contact us! Now to purchase a home with a Fannie Mae or Freddie Mac loan with as little as 3% down payment, they have requirements, standards, and guidelines that determine the acceptability of a home loan. They have minimum credit standards of 620 FICO score for qualifying for a home loan, and seasoning requirements of 4 years must have elapsed before a person with a chapter 7 bankruptcy can be approved for a conventional home loan. If the client has a foreclosure in their past, 7 years must have elapsed since the foreclose was completed. Other types of mortgages such as a VA loan and an FHA loan have shorter wait times after these types of negative credit situations. For a down payment, as little as 3% down is all a home buyer would need to qualify to buy a home as a first time home buyer. Gone are the myths of a 20% down requirement! For income and debt to income ratios, a conventional loan would usually require a 2-year work history though the 2 years can be obtained also through higher education. If you have gone to college or a trade school in order to obtain a higher level of training and did not work during this period, it is accepted as part of the 2-year work experience requirement. For a debt ratio, 45% would be the maximum allowed with less than a 20% down payment. That means add the total new house payment to all debts. You would add, car payments, student loans (the payment that will be required even if you are in deferment) minimum credit card payments, and outstanding loans, child support, and alimony. The total must not be over the 45% limit. For those with higher credit scores and a 20% or larger down payment, a debt ratio of up to 50% can sometimes be acceptable. They do have limits to how much you can borrow. Every county is different and the loan limits change annually. Certain counties are classified as high-cost areas and the loan limits are increased (at a slightly higher interest rate and with a minimum of 5% down payment) A conventional loan can often have advantages to those with a high down payment over an FHA loan if the borrower has high credit scores and or a larger down payment. This video explains the details of a conventional mortgage and how to qualify and what might be the advantages for you! Conventional Loan requirements 2020 So, here's what I recommend, you call me Chris Trapani the mortgage pro and I'll sit down with you. We'll help you figure out what's the best program for you, what's gonna be the cheapest rate, what's gonna be the cheapest monthly payment, which is the best long term and short term. So let's put the package together. Call me and I'll help you fire your landlord! What is a conventional loan? There are so many different types of loans out there and each one has its own guidelines and requirements. In this video, I talk about conventional loans and if it's the right loan for you. Call Chris Trapani at 310-350-2546 ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ #conventionalloan #conventional #mortgage Like | Share | Comment and Subscribe Go To http://www.FireYourLandlord.info to learn more and for more videos Apply online now at http://www.christhemortgagepro.com It only takes 5-10 mins to get your process started. Find Chris on social media facebook -https://www.facebook.com/iwantyoutofi... linked in - https://www.linkedin.com/in/christrap... Instagram - http://www.instagram.com/christhemort... Want to buy a home? Call the pro. Chris Trapani "The Mortgage Pro" NMLS# 240870 Cell: 310-350-2546 Fire Your Landlord® 800 N. Haven Ave. Suite 240 Ontario, CA 91764

USDA Loan - Mortgage - 11 Facts about a USDA Loan- No Money Down - Zero Down Payment Home Loan - USDA Loan - zero down payment - mortgage, home loan, mortgages, FHA Loan, first time home buyer, Loan Requirements, home loans, real estate loan, USDA loan, USDA loan 2020, USDA loans explained, mortgage rates, zero down payment, USDA, USDA loans, USDA loan facts, How does a USDA loan work, No down payments, USDA program, USDA home loan, USDA mortgage, USDA real estate, USDA home loans, Qualify for USDA loan, No money down, home loans for first time buyers, mortgages 101, USDA loans in California Created by the U.S Department of Agriculture USDA Loans offer great features 97% of the US landmass is loan eligible! 11 facts about USDA Loans 1) USDA loans require zero down payment! 2) There actually is no minimum credit score requirement on a USDA loan. Most lenders will require a 580 Fico Score, a few will go lower, but most will require a 640 or higher FICO score 3) The is USDA Maximum loan amount is based on the county average income 4) USDA loans are designed to have the lowest interest rates. The rates are at least as low and sometimes even lower than VA and FHA and it still does not require a down payment 5) Up Front Mortgage Insurance is only 1% for a USDA loan as compared to 1.75% for FHA, and 1.4% with a 10% down payment on a VA loan all the way up to 3.6% (all funding fees are waived for disabled vets on VA loans) So a USDA loan has the lowest funding fee of all government loans! 6) On an FHA loan a borrower will pay .85% annual mortgage insurance rate (based on a 3.5% down payment), and for USDA only .35% annual mortgage insurance cost - only about 41% of the FHA mortgage insurance cost! For example on a $300,000 FHA purchase with a 10,500 down payment, the Mortgage Insurance would cost $205.06 monthly On a $300,000 USDA purchase with Zero Down Payment, the monthly mortgage insurance is only $87.50 a month 7) This loan has a maximum income of 115% of the Area Median Income. The allowable income adjusts for family size. You can look up the county limits at https://www.rd.usda.gov/files/RD-GRHL... 8) How do you find out if a property is available? Just visit https://eligibility.sc.egov.usda.gov/... 9) Only available for owner-occupied properties. 10) The buyer must move into the house within 60 days of the close of escrow 11) When the appraised value is higher than the purchase price, the closing costs can be financed with the difference! Only USDA loans allow that! 00:00 start 00:20 fact number 1 – zero down payment 00:24 fact number 2 no minimum credit score 00:48 fact number 3 designed for rural areas 01:04 Fact number 4 Lowest Interest Rates 01:21 Fact number 5 Lowest Funding Fee 01:52 fact Number 6 Very Low PMI Rate 02:28 Fact number 7 Median to lower-income requirement 03:00 Fact Number 8 Owner Occupied Only 03:13 Fact Number 9 Must Move in within 60 days 03:25 Fact Number 10 Must be Pre Approved 03:52 Fact number 11 Closing Costs can sometimes be financed usda loan usda loans explained USDA USDA loans USDA home loan USDA mortgage USDA real estate USDA home loans Qualify for USDA loan usda home loan explained USDA MOrtgage explained USDA mortgage loan usda loan limit usda income limit usda home loan usda real estate usda no down payment usda requirements Usda Real Estate Loan USDA Zero Down USDA area USDA down payment USDA loan progam USDA Real Estate USDA Limit USDA guidelines California USDA http://www.FireYourLandlord.info for FHA loan application online. Apply online. even FHA Loans bad credit! FHA Loan guidelines for FHA mortgage loans are the same in California and nationally. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ #USDA #USDALoan #USDAmortgage Like | Share | Comment and Subscribe Apply online now at http://www.FireYourLandlord.info 5-10 mins to get your process started. FHA loans real estate - whole loan process and Fire Your Landlord! To learn how much mortgage can you can qualify for. Watch https://www.youtube.com/watch?v=wA8QL... For an FHA mortgage, or if you have an FHA loan question, call Chris an FHA Loan Officer! Fire Your Landlord with FHA loans to qualify for FHA! Mortgage loan to buy a home with an FHA Home loan! Chris Trapani NMLS# 240870 Cell: 310-350-2546 Fire Your Landlord 800 N. Haven Avenue Suite 240 Ontario, CA 91764

Mortgage Refinance! Refi today with low-interest rates of less than 3%! Learn the 4 reasons to refinance your home loan. Lower your interest rate on your mortgage and lower your monthly payment. Is there any reason to pay more for your home loan than you have to? By refinancing into a lower rate, the savings will vary obviously by your current interest rate to the new rate, and of course, the loan amount. If you are refinancing a $100,000 mortgage you probably won't save as much as someone refinancing a $500,000 mortgage. 00:00 Lower the Rate, Lower the Payment 0:10 Get Rid of PMI 0:22 Reduce Loan Years 0:28 Pay off Debt 0:39 Contact us! The 2nd reason to refinance, the home buyers often buy with small down payments, When a buyer puts less than 20% down, mortgage insurance is almost always required. This insurance allows home buyers with small down payments to buy, otherwise, they would be required to put down 20%. Over time, home prices have gone up. Over time the home buyer also pays the loan down. Once the homeowner has 20% equity in the property, a refinance is possible to get rid of the PMI (mortgage insurance) which often costs hundreds of dollars monthly. So when the opportunity arises to get rid of PMI (mortgage insurance) and also lower the interest rate - it results in huge savings! So an FHA to conventional Refinance will very often make sense The 3rd reason to refinance is Cash out. Sometimes with enough equity getting extra cash is possible to pay off debts or even to do home improvements etc., or for other items that the homeowner deems necessary. Often people pay off a car and credit cards and student loans and save themselves hundreds and often even a thousand dollars a month! Reason number 4 to refinance is to lower the term (the number of years). As an example, if you still owe 26 years on your mortgage but the interest rate will drop with the refinance, perhaps instead of taking the couple of hundred dollars a month and spending it (usually winding up with nothing to show for it) why not add the savings to the payment (keep making the original payment and perhaps save 6 years (bring it down to 20 years) Do the math! If you save 6 years of principal and interest payments, how much would you save? As an experienced mortgage pro, I can evaluate all of your options to see the best options for you so you'll know how much you'll save. The bigger the drop in interest rate, the bigger the savings also. The interest rate on any refinance is determined by a few factors. These factors each change the risk to the lender. The lower the risk, the lower the interest rate! These factors include: Credit score - You have 3 credit scores - the middle score is used. For example, if your scores are 710, 700, and 680 - then 700 would be your score. If there is more than one borrower the lower middle score would be used. Example: Spouse has scores of 610, 650, and 670. The spouse's middle score is 650. 650 would be used instead of 700 for the pricing. Loan to value ratio if the house is worth 100,000 and the loan is 95,000, that is a 95% loan to value. But if the home is appraised at 100,000 but the loan amount s 70,000 then the loan to value is 70%. Obviously, 70% loan to value is a lower risk to the lender than 95%, therefore the lower the loan to value, the lower the risk, the lower the interest rate. Use - Is it a rate and term refinance or a cashout? A Cashout is a higher risk than a rate and term (just lowering the interest rate and payment) so cashout has a higher fee. Type of property - single-family residence is less risky than a condominium or multiple unit properties so it would offer a lower rate. Use of property - an owner-occupied property is lower risk than a rental property - so the rate is lower. http://www.FireYourLandlord.info for FHA loan application online. Apply online. even FHA Loans bad credit! FHA Loan guidelines for FHA mortgage loans are the same in California and nationally. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ #homeloans #homeloan #mortgage Like | Share | Comment and Subscribe Apply online now at http://www.FireYourLandlord.info 5-10 mins to get your process started. FHA loans real estate - whole loan process and Fire Your Landlord! To learn how much mortgage can you can qualify for. Watch https://www.youtube.com/watch?v=wA8QLQysJMg&t=2s For an FHA mortgage, or if you have an FHA loan question, call Chris an FHA Loan Officer! Fire Your Landlord with FHA loans to qualify for FHA! Mortgage loan to buy or refinance a home with an FHA, conventional, VA Home loan! Chris Trapani NMLS# 240870 Cell: 310-350-2546 Fire Your Landlord® 800 N. Haven Avenue Suite 240 Ontario, CA 91764

Money Pit! How can you avoid buying a house that turns into a money pit? Here are 4 simple tools to use to ensure a money pit is not in your home buying future! 00:00 People Worry About Buying a Money Pit 0:40 Get a Home Inspection 2:00 Get a Home Warranty 3:06 Get Homeowner's Insurance 3:47 There are Ways to Protect Yourself A common issue that renter often uses as an excuse for not choosing to purchase a home if maintenance and the worry of everything breaking down and fear of a money pit! With options to both avoid the problem as well as protect yourself against it, the first step in the home buying process should be to hire a quality home inspector. Your real estate agent should be able to provide you with an inspector that will check virtually everything in the home from plumbing to electric, structure of the house, appliances, and details down to doorknobs and their functionality. Every detail is written into a report so that you will know the true condition of a home. The average cost is $300 to $500 for an inspection and can save you much heartache as well as money by knowing what the issues are ahead of time. Often your real estate agent can negotiate the repairs to be completed and paid for by the seller. Even after inspection there can be issues, as wear and tear just naturally take place over time. That is why a home warranty can be a great idea. A home warranty can cover anything from an appliance to a ceiling fan, to a pool filter and air conditioner. The suggestion would be to read it carefully to ensure you know what items are and are not protected. You can always buy a more detailed policy (for a higher cost of course) which can even cover a washer and dryer. Your real estate agent can often request that the seller pay the first year of a home warranty and most sellers will agree to do that. Next of course from major house damage is your homeowner's insurance policy which protects you against not just fire but also from other items which can be catastrophic! I once had a leak in my house that resulted in over $15,000 in damage. I paid $500 deductible and the insurance company paid the other $14,500! That is a great reason to have a good insurance policy! A licensed and certified roofer can also be a wise choice to get a roof certification from. A rook inspection can save you from costly repairs by knowing upfront and having an option to either walk away from the deal or require it be fixed by the seller prior to the close of escrow. So the 4 items that you should consider carefully and probably not skimp on are: 1) Home inspection 2) Home Warranty 3) Homeowners Insurance 4) Roof Certification Just protect yourself and then go and Fire Your Landlord! http://www.FireYourLandlord.info for FHA loan application online. Apply online. even FHA Loans bad credit! FHA Loan guidelines for FHA mortgage loans are the same in California and nationally. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ #homeloans #homeloan #mortgage Like | Share | Comment and Subscribe Apply online now at http://www.FireYourLandlord.info 5-10 mins to get your process started. FHA loans real estate - whole loan process and Fire Your Landlord! To learn how much mortgage can you can qualify for. Watch https://www.youtube.com/watch?v=wA8QL... For an FHA mortgage, or if you have an FHA loan question, call Chris an FHA Loan Officer! Fire Your Landlord with FHA loans to qualify for FHA! Mortgage loan to buy a home with an FHA Home loan! Chris Trapani NMLS# 240870 Cell: 310-350-2546 Fire Your Landlord 800 N. Haven Ave, Suite 240 Ontario, CA 91764

[Home Loans] No Down Payment [100% financing] Zero Down | Down Payment Assistance | Zero Down Payment - HOME LOAN! Real Estate Grant | Free Money [Home Loan] No Down Payment | Mortgage | Zero Down Payment. No Money Down! "FREE MONEY?" Down Payment Assistance! Zero down mortgage loans! With so many down payment assistance programs available, but no standard program, many cities, counties, state, and non-profit organizations have come up with numerous programs to assist renters in buying a home with zero down payment programs. Many of these programs are loans. Some must be paid. monthly, others are paid after the sale of a home or refinance and others have a balloon-type payoff after a number of years. There are a few grants out there that help people with free money and while some have exorbitant interest rates, the Dream House Foundation has loan amounts in the 3s! Well here are some of the features of the program. 00:00 Do Down Payment Assistance Programs Exist? 0:33 Maximum Income Limits 1:14 What to Look For in a Program 1:33 FHA Loans 2:24 Silent Loans 2:38 State Programs 3:12 Is it Better to Use My Own Down Payment? 3:25 The Good 3:31 The Bad 3:53 The Ugly 5:59 How much can you come up with? 6:10 Contact us! Number 1 - the borrower does not need to be a first-time homebuyer! Most down payment assistance programs require that a borrower be a first-time homebuyer. Not this program! The borrower might have just sold a home a week ago and still qualify for the grant! Number 2 - the minimum fico score can be as low at 620. Most down payment assistance programs require between 640, 660 sometimes 680 and 700 is even becoming a common requirement for these programs, especially during the COVID-19 pandemic, lenders risk tolerance has gone down dramatically due to the 33,000,000+ people that have been temporarily laid off. Number 3 - Most down payment assistance programs require that the home be a single-family residence. not this program! It can be a 1, 2, 3, or 4 unit property (as long as you will live there) or even a condominium! Number 4 - Maximum income. most programs are designed for the low income to the moderate-income range. They, unfortunately, they have a limited appeal because of income limited. I saw one recently that had a $42,000 ($3,500 a month) income limit. That may work well in some parts of the United States, but in California, most mortgage payments start at $2,500 in less expensive areas. Obviously, these programs would not work for most people. Number 5 - 3.5% GRANT towards a down payment which is standard for an FHA or in some more limited case, someone who is short on closing costs may also use this program for that! Number 6 - If interest rates go down you can refinance! Most loan programs will create issues with refinancing. Some grant programs require you to keep the loan for 3, 5, or even 10 years or you will have to pay the money back. Some down payment assistance programs loan you the money, but you must pay the money back through the refinance. No equity. sorry, can't refinance! [Home Loans] Number 7 Debt ratio! Most down payment assistance programs limit the debt to income ratio to 43, 45, and even as high as 50%. Our program offers a generous 55% debt ratio, That means 55% of your gross income (if you are a w2 employee) is allowable for the principal, interest, taxes, insurance, and PMI payment plus monthly debts of cars, credit cards (minimum payments) installment loans, student loans (1% of the outstanding debt - even if in deferment) child support and alimony. The program is from the Dream Foundation and CEO Jeremy Turner started the program to help renters fire their landlords! If you are a renter that is ready to move up, just go to my website, www.fireyourlandlord.info, and click the apply button. It will only take 5 minutes to fill out the application! if you are a broker and you would like to find out. more how you can do these loans in whatever your state is, just reach out to me and I'll put you in touch with Jeremy Turner and get you started! No more credit worries with 620, no more Down payment worries with your down payment covered No more debt worries with a great debt ratio of 55% http://www.FireYourLandlord.info for FHA loan application online. Apply online. even FHA Loans bad credit! FHA Loan guidelines for FHA mortgage loans are the same in California and nationally. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ #homeloans #ZERODOWN #NODOWNPAYMENT Like | Share | Comment and Subscribe Apply online now at http://www.FireYourLandlord.info 5-10 mins to get your process started. FHA loans real estate - whole loan process and Fire Your Landlord! To learn how much mortgage can you can qualify for. Watch https://www.youtube.com/watch?v=wA8QLQysJMg&t=2s Mortgage loan | FHA Home loan! Chris Trapani NMLS# 240870 Cell: 310-350-2546 Fire Your Landlord® 800 N. Haven Ave. Suite 240 Ontario, CA 91764