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Tag Archives:mortgage

Jan 6

Adjustable Rate Mortgage

Sometimes it is more important for you to have a lower initial rate, resulting in a lower payment, so that you will be able to qualify for the home you have chosen. Perhaps you plan to move in a few years and are not concerned about possible interest rate increases. Maybe you are confident that your income will increase enough in the coming years to compensate for periodic increases in your interest rate, and subsequently larger mortgage payments that accompany an Adjustable Rate Mortgage Loan (ARM). If the

Jan 6

Search Yuma Homes for Sale

Search Yuma Homes for Sale

If you are searching for homes for sale in Yuma, AZ, you will probably want to start your home search online.  Many people end up on Zillow or Trulia, but if you want a truly local search with access to the most updated information, and all the homes currently on the market, the best place to go is http://www.searchyumahomesforsale.com/   You will find it extremely easy to customize your home search, sort your favorites, and zero in on the right home for you. Search for Homes Customize Your Search Almost

May 26

The 3% down payment mortgage for first time buyers

The 3% down payment mortgage for first time buyers

In today’s real estate market, where interest rates are low and home prices are stable and rising, many renters are considering homeownership for the first time.  For someone with passable credit and good income, the challenge may be coming up with enough down payment funds to close the deal.  That’s where programs like the Fannie Mae 3% down loan for first time buyers come into play. Here are some highlights of the program: Loan amounts up to $417,000 Minimum down payment: 3% of sales price Minimum FICO score:

Apr 5

Nova Home Loans Yuma AZ

Nova Home Loans Yuma AZ

NOVA® Home Loans  has been serving Yuma families since 1995.  As a private mortgage banker,  NOVA®  is committed to offering great products and low rates, all while delivering world class customer service. Daniel Jackson and The Jackson Team at NOVA® Home Loans are here to make your home purchase or refinance experience and easy and stress-free as possible. Get in touch with us! Contact us today at 928-726-7266 or email jacksonteam@novahomeloans.com.  Let us help you get the best deal on your mortgage financing in Yuma! Map to NOVA® Home Loans Yuma NOVA® Home Loans Yuma

Mar 1

Home Plus Loan Program

Home Plus Loan Program

The Arizona Housing Finance Authority (AzHFA) “HOME Plus” Home Loan Program provides an attractive 30-year fixed-rate mortgage with a down payment assistance (DPA) grant that can be used toward the down payment and / or closing costs.  The goal of the program is to assist creditworthy renters who can afford a mortgage but lack the resources for a down payment. Program Highlights: 3-5% grant available for down payment and/or closing costs. This is a true grant program: No repayment is ever required! 30 year fixed term at an

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 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

Yuma Mortgage Lender

If you are looking for a mortgage lender in Yuma, Arizona, consider Daniel Jackson!  With consistently high rankings on zillow, trulia, yelp, google and facebook, The Jackson Team is ready to take care of all your mortgage needs.  Call 928-726-7266 Today! Daniel Jackson is a Certified Mortgage Planning Specialist with Nova Home Loans in Yuma, Arizona.  As a Yuma Loan Officer, Daniel truly has the heart of a teacher, and is enthusiastic about educating clients and referral partners.  In addition to helping clients get the lowest rate on mortgage loans

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