first time home buyer

What Do You Need For a Down Payment

Many times a buyer will ask me how much they need to put down to purchase a home.  The answer is not nearly as easy as you might think.  There are several loan programs and different requirements for each loan product. The video below will discuss, FHA, VA and conventional financing. There are a couple [...]

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100% Financing Central Oregon

Did you know you can still obtain 100% financing? Most of Central Oregon falls into the areas allowed for a USDA home loan (with the exception of the City Limits of Bend). Although the funds are not always available it is a choice you should always talk to your lender about.

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What is DTI – Debt to Income

Confused about what DTI is for your loan process – video explains this term and many more. Debt to Income has a top and a bottom, make sure you know what the experts are talking about Home Loan Ninjas explain DTI very simply.

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VA Tax Credit Info

Guest Post by: James Kelley blogs on veteran’s issues, real estate and finance across American markets at VA Benefit Blog .He also works with VA Mortgage Center, proudly serving American military families as a leading national VA lender. Due to new, stringent practices many lenders have implemented since the credit crisis of 2008, many veterans [...]

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The Short Sale and The Buyer

A short sale on the buyer’s end should be thought of as a traditional sale, you have a buyer that is wanting to purchase a home, a seller wanting to sell a home. The only difference at this stage is that the seller can not sell the home at the sales price without the bank’s approval.

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