If you are worried about rising interest rates and buying a home, there are options available that offer a lower rate at the beginning of your mortgage. These lower rates are fixed for a period of time and after that, are capped as to how much they can adjust up or down.  These are called Adjustable Rate Mortgages [ARMS] and are a good fit for some home buyers.  To learn more about these programs, I have a fact sheet that reviews how they work.  Just comment below and I’ll send it to you!
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If you are worried about rising interest rates and buying a home, there are options available that offer a lower rate at the beginning of your mortgage. These lower rates are fixed for a period of time and after that, are capped as to how much they can adjust up or down.  These are called Adjustable Rate Mortgages [ARMS] and are a good fit for some home buyers.  To learn more about these programs, I have a fact sheet that reviews how they work.  Just comment below and I’ll send it to you!

ByBrandon Butler

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Great News Graduates!  All of the wonderful cash gifts can now be used to buy a home!  Recent guidelines have changed to allow cash graduation gifts as assets to purchase your new home.  If you have questions about qualifying for a new home, I’m happy to answer them!

Great News Graduates!  All of the wonderful cash gifts can now be used to buy a home!  Recent guidelines have changed to allow cash graduation gifts as assets to purchase your new home.  If you have questions about qualifying for a new home, I’m happy to answer them!

ByBrandon Butler

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Did you know that a family or even non-family member can provide a gift to help you purchase a home?  Guidelines have recently changed to allow for unrelated people who want to assist you in owning your own home. This includes former spouses, former family members, and others.  If you want to own a home, let’s talk about your situation!
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Did you know that a family or even non-family member can provide a gift to help you purchase a home?  Guidelines have recently changed to allow for unrelated people who want to assist you in owning your own home. This includes former spouses, former family members, and others.  If you want to own a home, let’s talk about your situation!

ByBrandon Butler

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No Cash to Buy a Home? Tired of the Renter’s Cycle and Paying Another Person’s Mortgage?  There are down payment and closing costs assistance programs available that can help you own a home.  I’ve used these programs successfully for many people who never thought they could buy a home.  If you are tired of renting and want to explore owning a home of your own, let’s talk!
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No Cash to Buy a Home? Tired of the Renter’s Cycle and Paying Another Person’s Mortgage?  There are down payment and closing costs assistance programs available that can help you own a home.  I’ve used these programs successfully for many people who never thought they could buy a home.  If you are tired of renting and want to explore owning a home of your own, let’s talk!

ByBrandon Butler

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Did you know that if your home appraisal comes in higher than your sales price on a USDA loan, you can finance all or part of your closing costs?  USDA is 100% financing and with property values going up, a higher appraised value may help you with closing costs as well. USDA loans are offered in many rural or suburban rural communities, so let’s talk!
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Did you know that if your home appraisal comes in higher than your sales price on a USDA loan, you can finance all or part of your closing costs?  USDA is 100% financing and with property values going up, a higher appraised value may help you with closing costs as well. USDA loans are offered in many rural or suburban rural communities, so let’s talk!

ByBrandon Butler

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Sometimes there is a fine line between what lenders consider to be a second home vs. an investment property. This is important for home buyers because the underwriting guidelines and down payment options are more stringent on an investment home vs. a true second home.  I have a fact sheet that describes the difference, so comment below and I will send that to you!
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Sometimes there is a fine line between what lenders consider to be a second home vs. an investment property. This is important for home buyers because the underwriting guidelines and down payment options are more stringent on an investment home vs. a true second home.  I have a fact sheet that describes the difference, so comment below and I will send that to you!

ByBrandon Butler

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Sales Contract Tip!  When you are buying a home, keep personal property out of the contract. Personal property is not appliances, fixtures, or smaller maintenance equipment for the home. However, cars, furniture, TVs, and Art, just to name a few, are considered personal property. The reason is that home financing restrictions consider personal property to be a concession from an interested party [the seller] and may be viewed as something of value that could affect the appraisal of your home.  If you’re not sure, just message me before you present a contract and I’ll help you figure it out!
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Sales Contract Tip!  When you are buying a home, keep personal property out of the contract. Personal property is not appliances, fixtures, or smaller maintenance equipment for the home. However, cars, furniture, TVs, and Art, just to name a few, are considered personal property. The reason is that home financing restrictions consider personal property to be a concession from an interested party [the seller] and may be viewed as something of value that could affect the appraisal of your home.  If you’re not sure, just message me before you present a contract and I’ll help you figure it out!

ByBrandon Butler

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