Tuesday, June 30, 2015

Now Hiring the Best Agents on the Planet

 Now Hiring The BEST Real Estate Agents on the Planet!!  
           Are you the right fit? Up to 100% commissions, No Monthly Fees!  For More Info Click Here,
then submit a resume to recruitingREagents@gmail.com 


Thursday, June 11, 2015

Free First Time & Repeat Home Buyers class for Northern VA Buyers

FREE Home buying Education Classes for first time home buyers in Northern Virginia!!!!!!!!
Tues & Wed June 23rd & 24th, 2015 6-9pm
note: This is a 2 day class and you must attend both nights to receive a VHDA certificate of completion required for some loans. 
Location:
10629 Crestwood Dr Manassas VA 20109
Sponsored By Home Buyers Marketing II, Inc, McLean Mortgage & Secure Home Inspections
Come learn about the buying process from beginning to end and get info on down-payment assistance programs. There will be a loan officer, a real estate agent, and a home inspector, on hand to give you valuable information and answer your questions on credit, loans, finance, and real estate contracts
If you are serious about buying a home in 2015 then this class is designed for you. Find out how to get pre-approved to buy, how to make an offer, and what to expect in the closing process. This class meets VHDA, Sparc, Community, and many first time buyer program requirements.
Call, text, or email TODAY to RSVP, leave name and phone number and number of guest.
Must RSVP to Dee Dee Jones 703-596-5884 call, text, or email djoneshomes@gmail.com

Monday, June 8, 2015

First Time Buyers MCC Tax Savings introduced by VHDA

Virginia Housing Development Authority, VHDA now has a new program they are introducing.  The Mortgage Credit Certificate (MCC) program has been implemented to save a first-time homebuyer thousands of dollars by reducing the amount of federal income tax they owe. Take a look at the simple, animated video which explains how an MCC from VHDA works.

Next VHDA Home buying class for Northern VA is June 23rd and 34th 6-9 pm 
10629 Crestwood Dr Manassas VA 20109, Home Buyers Marketing II, inc
must attend both nights to receive VHDA Home ownership education certificate.  
Must RSVP to djoneshomes@gmail.com

Monday, June 1, 2015

Mortgage Loans for Self Employed do exist

Three Tips for How to Secure a Mortgage if You're a Self-employed Entrepreneur

If you are self-employed, either as a freelancer or as the owner of your own business, your income can fluctuate greatly from year to year. That can make it difficult to get approved for a mortgage, although there are some things you can do to improve your chances. Here are three tips for securing a mortgage if you are self-employed. 

Have a Large Down Payment


The more money a bank lends you to buy a house, the more risk it is taking on that the money won't be paid back. If you are self-employed and considered a higher risk to begin with, one way you can alleviate some of that risk is to be able to put down a large amount of money. Putting down 20 percent is standard for a conventional loan, and you should be willing to contribute at least that much. Putting down at least 20 percent also will save you money in the long run, because you won't have to pay for mortgage insurance and you will pay less in finance charges over the life of the loan. 

Make Sure Your Credit Score Is In Good Shape

While your ability to pay back a mortgage is the most important factor in approval, your credit score is a close second, and that goes for every borrower, not just those who are self-employed. If you have a credit score in the high range -- something above 750 or 760 -- it will help you get approved for a mortgage. To boost your score, make sure you pay all bills on time, pay down your debt levels and don't make any new big purchases or apply for new credit soon before you apply for a mortgage. 
Have Significant Assets

One way to put a lender at ease about your ability to pay for a mortgage is to have significant reserves in the form of assets. If you have large amounts of money in regular savings, brokerage and retirement accounts, it offers a reserve for you to tap should your income take a dive. Other forms of property, such as personal and business property that's paid off and has value, also help. 

For help finding a lender that can help you get a mortgage contact Dee Dee Jones thru GreatDCMetroHomes.org