neurontin used for hot flashes

Archive | February, 2016

Feb 26

5 Easy Steps to Buying a Home with a USDA Loan in Yuma AZ

5 Easy Steps to Buying a Home with a USDA Loan in Yuma AZ

If you are thinking about buying a home in Yuma county, you may want to look at a USDA loan.  This is a zero down financing program designed to promote home ownership in rural areas.  With low interest rates, low mortgage insurance, and the ability to finance closing costs in some cases, a USDA loan is an excellent option to consider. Here are the 5 easy steps to owning a home: Complete a loan application with NOVA® Home Loans (you can do that here). NOVA® orders your appraisal and

Feb 23

With a VA Loan, You Always Have the Best Rate

With a VA Loan, You Always Have the Best Rate

Anyone who has served knows, the military loves its acronyms.  And the VA home loan is no different.  Today we are talking about the VA Interest Rate Reduction Refinance Loan, or IRRRL.  Also known as the VA Streamline Refinance Program, the IRRRL was designed to ensure that as interest rates move up and down, VA borrowers will always have access to the current lowest rates. This program allows you to refinance your existing VA loan into a new VA loan with a lower rate & lower monthly payment.  We have seen

Feb 23

How to Improve Your Credit Score

How to Improve Your Credit Score

Your credit score can make a huge difference in your home financing.  Although you do not need perfect credit in order to qualify to buy a house, a higher credit score usually equals a lower rate and costs for your mortgage.  So what can you do to maximize your scores?  Well, first it is important to understand how credit scores are calculated. Credit scores range from 350 to 850, with 850 being the best possible credit score that you could receive, and 350 being the worst possible credit score. There are

Feb 22

6 Reasons to Consider Refinancing Your Mortgage in Yuma AZ

6 Reasons to Consider Refinancing Your Mortgage in Yuma AZ

If you have a mortgage, you should periodically consider refinancing.  While a 30 year fixed rate is the most common mortgage type, you may be surprised to find that the average life of a mortgage loan is less than 5 years.  Most people don’t stay in a home for 30 years anymore, and even if they do, their lives and financial needs can change drastically over time.  If you have had your mortgage for more than 3 or 4 years, you may want to consider a mortgage checkup.

Feb 22

How to Finance Home Repairs and Upgrades

How to Finance Home Repairs and Upgrades

Every homeowner has projects they would like to do at home.  One of the great things about owning your own home is the freedom to make changes!  The question is how to pay for it!? The good news is that as you make improvements to your home, the value of the home may go up.  As your home’s value increases, so does your equity.  Equity is the difference between your mortgage balance and your home’s value.  There are several ways of using your home equity to finance upgrades

Feb 20

How to get copies of your taxes and W-2s if you lost them!

When getting a mortgage, one of the basic documentation requirements is going to be your last 2 years of W-2s and federal tax returns.  Every so often, I run across a borrower who can’t find or access those documents for one reason or another. If this is you, there are a few options.  Your lender can order copies of your transcripts from the IRS, but that will take a few days.  A better option is to go online and access them yourself. http://www.irs.gov/Individuals/Get-Transcript   In the past, the

Feb 19

Easy Mortgage Approval In 8 Minutes or Less

Getting approved for a mortgage can be an easy process! Here are the basic first steps for getting pre-qualified to buy a house. The first step is to go through a Loan Application.  This can be done over the phone or online, and generally takes less than 10 minutes. Once you have completed your application, your lender will pull your credit and compare loan options for you. The next step will be providing your lender with documents to support your application. Before you start looking at houses, take some time to consider your

Feb 18

First Time Home Buyer

First Time Home Buyer

If you are currently renting, you have probably thought about buying your first home.  As a first time home buyer, you should know that there are special programs for you! If you are concerned about not having enough money for a down payment, don’t worry!  There are several loan programs offering low and no money down.  For example: USDA Loans offer $0 down and low fixed rates for homebuyers who do not own any other property.  While not all areas of Yuma county are eligible for this program,

Feb 18

Loan Programs for Military Veterans

Loan Programs for Military Veterans

Yuma is home to many active duty and retired military personnel.  Thank you for your service!  We are proud to call you our neighbors.  When it comes to buying or refinancing a home, there are benefits you should know about that will help you get the best deal on your financing! VA Home Loan If you have VA eligibility, a VA loan is an excellent option for purchasing a home.  VA loans feature low fixed rates, $0 down payment required, and no monthly mortgage insurance.  This equates to a VA loan

Feb 16

How to Finance Your River House at Martinez Lake

How to Finance Your River House at Martinez Lake

Martinez Lake is a hidden gem of Yuma County.  Families have been coming here for years for good times and the laid-back atmosphere.  If you like the river lifestyle, you’re going to love Martinez Lake. If you are considering owning a place at Martinez Lake, you may be wondering how to buy or build a home there.  The Jackson Team at NOVA® Homes Loans has helped many families through the process of buying, building and refinancing property Martinez Lake.   We have contacts with local realtors, builders and appraisers.