HOW TO GET WHAT YOU WANT PART 4 ( GET A HOUSE WITH CREDIT)
Duration : 0:6:29
HOW TO GET WHAT YOU WANT PART 4 ( NO CREDIT CHECK HOUSING)
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Duration : 0:2:54
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Duration : 0:6:28
Tax Credit for First Time Home Buyer Loan, Government Assisted Financing Program and FHA Mortgage
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Part 4 (Excerpt)
FHA financing why you should work with a broker: 4% appreciation over the last 17 years
You mentioned earlier that property values are up 71% long term, even though we had this 50% drop. Youre talking about the average 4% appreciation per year since 1992.
Right, I did some calculations I was working on a book last year and one of these days I may get around to publishing it. Its called Real Estates Future and what we were looking at was a statistical model to be able to pick the top and the bottom of all the real estate markets. I hadnt looked at the thing for about a year until I was working with Michael the other day and I started pulling it out and going lets run the model and see where we are in regards to the market, and one of the things I looked at is the last time we saw the bottom of the market was when I was selling houses for the RTC and that was in 1992, the median home price was $76,000. Median home price now is $130,000. That means from 1992 until now it went up 71%, thats after we just saw a 50% decline. So it is up 4% per year on average, and where else are you going to get a return like that? Even if you put 3.5% down on a house you are getting a heck of a lot more than a 4% return. If you look at the internal rate of return it is significantly greater.
Right and dont buy a house because you are looking at a rate of return. If you are a first time home buyer and you can qualify for this program, if you have been living in an apartment for the last three years and you just want to have a better place for yourself and your family to live, I know right now there are a lot of fabulous houses out there for $130,000. I saw one the other day that was listed at $100,000 that I know was probably at least $250,000 a couple of years ago. Yes, four bedroom-three bath houses, we are currently working on several cases at $150,000 or below, in good parts of Maricopa county.
I ran some numbers before as well just looking at the number of homes that sold in Maricopa County in January and in that month 45% of all the houses that were sold, sold for less than $130,000. And when I had the example earlier about the median family could buy a $280,000 that was 85% of the market. 85% of all the houses that were sold in Maricopa County could be purchased by a family of four with a median income.
And you know with the loan limits the way they are with FHA with 3.5% down you can go all the way up to $358,000 and still only put 3.5% down. Pretty much anyone can get in and I would probably say that 90-95% of all the houses sold were within the FHA loan limit. That means you can still get in with 3.5% down, you dont have to have perfect a credit report, you cant have a lot of bumps on it but it doesnt have to be perfect, you dont have to have a huge FICO score.
Do they even look at FICO scores? Its complicated, the Federal Housing Administration does not have a minimum FICO score requirement, however all of the mortgage banks have overlays, so in other words nobody uses just the FHA guidelines, they have their own parameters on top of the FHA requirements. One of the main reasons why you would want to go to a broker instead of directly to your bank is they may or may not have enough overlays that will work in your favor. As a broker we have all of the major mortgage banks and we know the guidelines, so we can make anyone fit into a house that can get approved.
Right and thats always the nice thing about working with a broker because you have, lets say you have 20 banks that you are signed up with and you are FHA with all of them, so you have 20 different sets of guidelines that you can fit the borrower into. If a home buyer went to a bank and they had to do an appraisal and a credit check and all that and then they denied you, you would have to go to a different bank and they would have to do all that same stuff all over again. When you are working with a broker they do it one time and then shop it to 20 different lenders.
Yes, and I have to point something out more importantly, if you go directly to your bank and you do get declined after you have spent the money on all these different things the process is much more difficult because you have to start all over again and the reason you were declined has to be explained as well and it becomes a much more lengthy process. Where as when working with a broker you dont have to do that. We take the hit for you and we move you into the right lender of your choice…
Duration : 0:6:3
Obama Free Credit Report.com Parody
I voted Obama I voted Obama but he didnt tell me that he was a clown. now instead of living in my 30 room mansion, I live under a bridge on the outskirts of town. my bussneiss is blown, they foreclosed my home. How was I persuaded to vote for this retard? If only Id voted for John a Sarah, Id be a homeowner with a dog and a yard….we’re Doomed! flipsrfun95
Duration : 0:0:26
Obama Free Credit Report .Com Song; Parody
Click here to see another Free credit Report Parody: http://www.youtube.com/watch?v=LYoWjFYW4tk and yet another http://www.youtube.com/watch?v=0ta7t-DAFeA I went to buy a new car which ones me..a chrysler Lebaron or a GMC..to bad they wiped Detroit off the map..cause all they got left is this peice of crap…B A R R A C K Barrack Obama made a speech today..he talked 30 minutes…but what did he say..how does this guy keep gettin his way…Now insted of eattin good and payin rent..Im hungry as and Im livin in a tent..B A R R A C K Barrack Obama is here to stay…we are doomed
Duration : 0:0:33
Obama Free Credit Report.Com Parody
They Say a Man should always Have a job and go to work. So why am I beggin’ for loose change and feeling like a jerk? Its all because Obama won the Presidentcy. Now Im Homeless sick and Dirty and feeling Hungry. Shoulda voted for Ron Paul or Palin and Mc Cain. Oh whyd I vote Obama I must have been insaine. I sleep under a bridge since they repossed my car. Oh whens the next election? I hope its not to far.
Duration : 0:0:30