Feb
06
2012
One of the most popular home mortgage programs around for Skagit County and other surrounding areas is the Rural Development financing program. It offers 100% financing and a very nominal monthly mortgage insurance charge, making it one of the most affordable financing options available for home purchases. Unlike most other home purchase mortgage programs, there are …
Permanent link to this article: http://www.deanhayes.com/2012/02/06/rural-housing-releases-higher-income-limits/
Jan
11
2012
“How much money can I get to buy a home?” It’s a common question that often leads off a buyer’s conversation with me. What they’re really trying to learn is, “In what price range should I be shopping?” The answer to this question provides a target for the buyer to do their search, and …
Permanent link to this article: http://www.deanhayes.com/2012/01/11/how-much-can-i-afford-when-interest-rates-rise/
Oct
05
2011
In my last post, I shared the basics of how credit scores work. Since we now know that your payment history represents 35% of your credit score, how much of an impact does a negative item make? In other words, how does a mortgage late payment, short sale, foreclosure or bankruptcy affect your credit score? …
Permanent link to this article: http://www.deanhayes.com/2011/10/05/impact-of-derog-on-credit-score/
Sep
02
2011
For those who are looking to purchase or refinance a home, one question that is asked often is “How much is mortgage insurance?” There are multiple factors that can go into pricing out mortgage insurance; today, I only want to focus on one variable – the type of loan. The reason for this singular focus …
Permanent link to this article: http://www.deanhayes.com/2011/09/02/how-much-is-mortgage-insurance/
Aug
29
2011
Home buyers always have the best intentions, but sometimes they just don’t follow the advice of their mortgage professional. Here are 5 great ways to blow your home purchase (in other words, don’t do these things!): Change jobs – Even if your new job is in the same line of work as your prior job, …
Permanent link to this article: http://www.deanhayes.com/2011/08/29/5-great-ways-to-blow-your-home-purchase/
Jul
17
2011
You’ve probably heard the saying, “When you fail to plan, you plan to fail.” That is especially true when it comes to buying a home today. Underwriters are following strict guidelines – and that means even things like bank deposits and transfers are under scrutiny. Here’s some insight on how underwriters analyze bank statements…and what …
Permanent link to this article: http://www.deanhayes.com/2011/07/17/dont-make-that-big-deposit-or-transfer/
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