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Tag Archives:yuma

Feb 21

NOVA CreditBuilder Program

NOVA CreditBuilder Program

  Having an open and active credit card account that you pay every month is a big part of having a good credit score.  If you don’t have much credit history, one thing our Credit Services team frequently recommends is to open a secured credit card.  This can help you quickly build credit or improve your credit scores. What It Is: Credit Builder is a program that makes it easy for NOVA clients to build credit by opening a secured credit card.  The card quickly reports to all 3

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

Dec 12

Yuma Mortgage Loan Limits for 2017

Yuma Mortgage Loan Limits for 2017

It’s the end of the year, and mortgage lenders are updating their guidelines and loan limits for the new year.  For 2017, Fannie Mae and FHA have both updated their maximum loan amount limits.  Click the image for a printable full-size information sheet about Yuma and other Arizona county 2017 loan limits. The new FHA loan limit for 2017 is $275,665 in Yuma county.  You can get more if you buy a multi-unit property (like a duplex, triplex or 4-plex).  $352,950 for a 2 unit, $426,625 for a

Nov 9

The Importance of Financing to the Real Estate Market

The Importance of Financing to the Real Estate Market

The most recent real estate cycle (build-up, bubble, crash, recovery) has brought to light the major impact on the market made by the availability of financing.  Easy, wide-spread access to sub-prime loans led to an unprecedented run-up in home prices.  Sub-prime went away, home values dropped, and now we are several years into the recovery. So how important is the availability of good financing to a real estate market?  Absolutely crucial. For example, a house in Yuma today for $122,000 costs about $775 per month on an FHA

Aug 12

Yuma Down Payment Assistance Update

Yuma Down Payment Assistance Update

Exciting news!  The income and purchase price limits were recently raised for the Home Plus and Pathway 2 Purchase programs! You can now make up to $92,984 annual household income and still qualify for down payment assistance in Yuma! The purchase price limit was also raised, all the way up to $371,936.  With the average house in Yuma currently selling for under $165,000 (for more info, see our recent market update), the real estate market is wide open for these programs! If you are in the market for

Jun 15

Yuma Homebuyer Housing Market Update

Yuma Homebuyer Housing Market Update

Yuma is heating up, and so is the housing market!  The FED announced today that they will not be raising rates just yet.  For homebuyers in Yuma, this is great news!  When you factor in low home prices and REALLY low interest rates, you can’t go wrong buying a house in this market. Qualifying is Easier Than You Think! If you are just missing the down payment, there are plenty of ways to buy a house with zero down (or close to it). The Pathway 2 Purchase program is

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 Again Program

Nova Home Again Program

  If you have been through a significant credit event, like a foreclosure, short sale or bankruptcy, you may be wondering what your options are for becoming a homeowner again.  Conventional, FHA, USDA and VA loans all have waiting periods, typically 2-7 years.  For full details, read our article How Long Do I Have to Wait to Buy Again?   We can also work together with our Credit Services team to help you raise your credit score. If you don’t want to wait 2-7 years to buy a house, the

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