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Tag Archives:mortgage

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

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

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

Jul 30

Should I Make a Low-Ball Offer?

Should I Make a Low-Ball Offer?

If you’re anything like me, you don’t like to buy anything without feeling like you got a good deal.  When shopping for a house, sometimes that drive for the best deal can get you into trouble.  If you are considering making a lowball offer, there are a few things you should think about first. #1 – Homes in this market tend to sell for close to asking price.  Look at the chart below.  On average last year, homes sold for about 97% of asking price.  What that tells you is that sellers in

Jul 28

Now is a Great Time to be a Move-Up Buyer in Yuma, AZ

Now is a Great Time to be a Move-Up Buyer in Yuma, AZ

(photo credit Craig Fry, Desert Fryed Arts) If you own a home, and would like to buy a bigger home, now might be the time to make a move. There are several things going on in the Yuma real estate market that are combining in your favor.  Let me share some little-known information with you. #1 – The home you have to sell is IN DEMAND.  Over the last 3 years, 7,150 homes have sold in Yuma county.  Of those, 5,084 were $150,000 or less.  That’s  71.1%!  

May 5

About

Daniel Jackson is a Certified Mortgage Planning Specialist with Nova Home Loans in Yuma, Arizona.  Daniel truly has the heart of a teacher, and is enthusiastic about educating clients.  As a husband and father, Daniel knows that homeownership is never just about numbers on a page.  That’s why he takes great pride in providing world-class service and professional advice to each and every family he serves.  He firmly believes that adherence to integrity is the key to his success. …Away from the office, you will most likely find

Oct 4

Do You Currently Rent in Yuma Arizona?

Do You Currently Rent in Yuma Arizona?

Home values have started to stabilize in Yuma County, and are even rising in certain neighborhoods.

Oct 1

How the Government Shutdown Impacts the Mortgage Industry

The government shutdown is in effect starting October 1, 2013. No estimated timeline has been issued for resolution of this event. The shutdown will affect several key areas for the mortgage industry.

Sep 17

FHA Back to Work – Buy a House Sooner!

FHA Back to Work – Buy a House Sooner!

FHA recently came out with an exception to their guidelines that will allow borrowers to get an FHA loan only 1 year after a bankruptcy, foreclosure, short sale or deed-in-lieu.

Jul 22

Should I Pay Points?

Should I Pay Points?

Whenever you get a mortgage, you should ask yourself the question: “points or no points?” A point is 1% of the loan amount, and it’s used to reduce your interest rate. I think about it like 2 kids at the park, playing on a see-saw.  When one goes up, the other goes down.  In mortgages, the trade-off is between RATES and FEES.  The higher the rate, the lower the fees.  The lower the rate, the higher the fees. Paying points reduces your interest rate and your monthly payment.