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Tag Archives:buying a home

Mar 15

USDA Loan Update

USDA Loan Update

USDA Rural Development is making changes!  Effective Wednesday, March 9, 2016, the final rule for 7 CFR Part 3555 and the revised technical handbook, HB-1-3555, will apply for all Rural Development Conditional Commitments issued by USDA. The revisions include many positive changes that will help potential USDA homebuyers qualify for financing.  Here are a few of the updates: Relaxed guidelines about last minute credit report updates. Discount points are now an eligible use of proceeds for moderate income borrowers and can be financed Clarification of the eligibility of conventional

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

Aug 15

The Top 5 Ways to Buy a House with Zero Down in Yuma AZ

The Top 5 Ways to Buy a House with Zero Down in Yuma AZ

You may have noticed that the housing market has been heating up around Yuma Arizona over the last few years. With near record low interest rates and discounted home price, owning a home is more affordable than renting in many cases. Still, for a lot of potential home buyers, down payment is the biggest concern. The good news is that there are currently quite a few options for buying a home with little to nothing down. VA Loans Between MCAS Yuma and Yuma Proving Grounds, Yuma is home to

Jan 24

Yuma Real Estate Market Update – January 2014

Yuma Real Estate Market Update – January 2014

In 2013, 2,082 homes were sold in Yuma county.  The average sales price was $132,931. Let’s put those 2 facts into a little bit of perspective. 2006 was considered the peak of the real estate market in Yuma.  In 2006, people we lining up to buy homes.  Investors were coming over from California to snatch up any property they could.  Home builders started refusing to sell to investors.  In fact, in a lot of neighborhoods, you would have to enter your name in a lottery, and then wait

Feb 25

The secret to getting the best deal on your mortgage

The secret to getting the best deal on your mortgage

The best piece of advice I can give you in relation to shopping for a mortgage is to get prequalified as early as possible.  Before you find a house, before you start talking to realtors, get prequalified first.  That is the secret to success. I have done the math, and the difference between a 680 and 740 credit score is 3/8ths of a percent.  Well, at our current average sales price in Yuma, that translates to $13,752….Just in payments over 30 years……$13,752 MORE that you’ll make in payments because you

Aug 23

Buying a Home In Yuma Arizona

Due to weak U.S. economic reports and the impact of the European economic crisis, interest rates have moved lower in the last few days.  As a student of the markets, I can tell you that rates have not been this low in over 50 years, and will not remain this low for long. If you know anyone who is thinking of buying a home in Yuma, there has never been a better time than right now!