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VA Streamline Refinance Loan
INTEREST RATE REDUCTION REFINANCE LOAN PROGRAMS QUICK FACTS ABOUT THE IRRRL PROGRAM If you are a qualified VA candidate and are looking to refinance your Wells Fargo, Chase or GMAC loan, now is the best time to refinance with Envoy Mortgage. The new Interest Rate Reduction Refinance Loan Program will allow veterans with an existing Wells Fargo, Chase or GMAC loan to be refinanced. The new program will offer you and your family a lower payment, less documentation and won’t require appraisals. You can roll all closing costs and fees into the new loan so there are no out-of-pocket charges to you. The monthly payment for the refinance must be lower than the previous loan’s monthly payment if your current mortgage is a fixed rate, unless you are refinancing an adjustable rate mortgage or the new loan term is less than the old one. You cannot receive any cash out at closing. You must be current on your existing VA mortgage and not have had more than one 30-day late mortgage payment within the past 12 months. Crystal Sheppard Loan Officer LO NMLS#117152 104575 p - 828.273.3549 f - 713.961.8779 csheppard@envoymortgage.com www.envoymortgagecrystalsheppard.com ...read more
By Envoy Mortgage September 15, 2011
100% USDA Home Mortgage
Pre-Approval Letter Pre-Approval is the first step in home ownership. By applying atwww.envoymortgagecrystalsheppard.com I will be able to let you know how much you can afford and what you̢۪re estimated monthly payment will be. I will also help you identify the eligible USDA areas near you. Many real estate agents require that you have a preapproval form prior to showing you any homes. The process is free, fast, and very simple. USDA Rural development mortgage overview Expanded qualifying ratio'sBuyers with satisfactory credit may qualify with higher Debt-to-Income ratios to accommodate high cost housing areasSeller is allowed to pay Buyer's Closing Cost which reduces money that you will have to bring to the closing tableLow minimum credit score (640 minimum credit score required)Down Payment is Not RequiredBorrowers without savings, or who wishto retain their savings qualify100% FinancingMore Americans become homeowners No Reserves are Required ...read more
By Envoy Mortgage September 15, 2011
Reverse Mortgage
What is a reverse mortgage? provide fin A reverse mortgage is a loan that allows seniors to use the investment they have made in their home over the years to provide them a means to improve their quality of life. It also gives them the independence that comes from not being financially limited to basic retirement benefits. By converting equity into income, a reverse mortgage is a way to stay in your home and receive cash to use for any purpose. The best part is that you retain ownership while continuing to live in your home. Who qualifies for a reverse mortgage? Homeowners who are 62 years and older can qualify and may be eligible even if there is an existing first or second mortgage. There are no income qualifications and you do not need good credit to qualify. The size of the reverse mortgage is determined by the applicant̢۪s age, interest rates, the value of the home, and the type of mortgage you are seeking.Many Americans 62 years or older have benefited from thefinancial freedom that reversemortgages can offer. Many people see it as an important component to awell-balanced retirement plan. Crystal Sheppard Loan Officer LO NMLS#117152 p - 828.273.3549 f - 713.961.8779 csheppard@envoymortgage.com www.envoymortgagecrystalsheppard.com Branch NMLS# 6666 NMLS #6666 When Trusted Advice Counts ...read more
By Envoy Mortgage September 14, 2011