NAHREP, which is the National Association of Hispanic Real Estate Professionals, just released their 2021 state of Hispanic Homeownership.  It is a great resource to help you position your business for the future.  If you want a copy, comment below and I’ll send it to you.
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NAHREP, which is the National Association of Hispanic Real Estate Professionals, just released their 2021 state of Hispanic Homeownership.  It is a great resource to help you position your business for the future.  If you want a copy, comment below and I’ll send it to you.

ByBrandon Butler

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Sold a Property that was in COVID Forbearance?  There is a myth that anyone who was in Forbearance on a home they sold must now rent.  This is not true for many of my clients.  If you experienced a forbearance on your mortgage loan due to COVID, let’s talk!
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Sold a Property that was in COVID Forbearance?  There is a myth that anyone who was in Forbearance on a home they sold must now rent.  This is not true for many of my clients.  If you experienced a forbearance on your mortgage loan due to COVID, let’s talk!

ByBrandon Butler

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Tired of losing the house of your dreams due to the bidding wars?  There are strategies to make you a stronger candidate to the seller.  If this is your situation, let’s chat and plan your strategy!
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Tired of losing the house of your dreams due to the bidding wars?  There are strategies to make you a stronger candidate to the seller.  If this is your situation, let’s chat and plan your strategy!

ByBrandon Butler

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Shopping for a home but there is a renter living in the home of your dreams?  If you plan to buy a home as your primary residence, there are rules about how fast you must occupy that home after closing. Before you sign a contract to purchase the home or a “rent back” agreement, Let’s talk!
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Shopping for a home but there is a renter living in the home of your dreams?  If you plan to buy a home as your primary residence, there are rules about how fast you must occupy that home after closing. Before you sign a contract to purchase the home or a “rent back” agreement, Let’s talk!

ByBrandon Butler

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Preparing to send your child to college?  Here’s a planning tip!  Home finance lenders will allow parents to be a non-occupying co-borrower on a home your college student plans to live in.  This is especially helpful when room and board is costly, and the surrounding real estate is rising in price.  If this sounds interesting to you, let’s chat and make a plan.
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Preparing to send your child to college?  Here’s a planning tip!  Home finance lenders will allow parents to be a non-occupying co-borrower on a home your college student plans to live in.  This is especially helpful when room and board is costly, and the surrounding real estate is rising in price.  If this sounds interesting to you, let’s chat and make a plan.

ByBrandon Butler

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Did you know that you can take a loan out against a financial asset such as a 401K or Whole Life Insurance Policy and use that to buy a home?  And here’s another perk!  Because it is your financial asset, the lender will not count that payment against you when qualifying for a home loan!  If you want to buy a home but are struggling putting together the purchase costs, let’s talk.
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Did you know that you can take a loan out against a financial asset such as a 401K or Whole Life Insurance Policy and use that to buy a home?  And here’s another perk!  Because it is your financial asset, the lender will not count that payment against you when qualifying for a home loan!  If you want to buy a home but are struggling putting together the purchase costs, let’s talk.

ByBrandon Butler

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Receiving Rental Income from a Property in Another Country?  In order to use rental income on a foreign property, home financing lenders require this income to be reported on your U.S. Income Tax Returns for the last two years.
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Receiving Rental Income from a Property in Another Country?  In order to use rental income on a foreign property, home financing lenders require this income to be reported on your U.S. Income Tax Returns for the last two years.

ByBrandon Butler

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VA Loan Myth Buster! Unlike other home financing programs, VA-backed homes loans do not have maximum loan limits. Instead, VA offers a guaranty to the lender so that lenders will agree to provide the program for Veterans. However, it is common for lenders to differ in how high they allow a loan amount to go. Let’s talk first before you buy so that you know how your VA benefits will work to get you the home of your dreams! 
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VA Loan Myth Buster! Unlike other home financing programs, VA-backed homes loans do not have maximum loan limits. Instead, VA offers a guaranty to the lender so that lenders will agree to provide the program for Veterans. However, it is common for lenders to differ in how high they allow a loan amount to go. Let’s talk first before you buy so that you know how your VA benefits will work to get you the home of your dreams! 

ByBrandon Butler

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Urgent Notice for Second-Home Purchases & Higher-Priced Areas!  The government agency that controls the pricing for home loans has issued substantial increases in rates for these types of loans.  We have a short window to get your loan processed and closed before these price increases go into effect.  Please contact me with questions!
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Urgent Notice for Second-Home Purchases & Higher-Priced Areas!  The government agency that controls the pricing for home loans has issued substantial increases in rates for these types of loans.  We have a short window to get your loan processed and closed before these price increases go into effect.  Please contact me with questions!

ByBrandon Butler

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Buying a Home Using Your VA Benefits – You may have purchased a home using your VA benefits and wonder how you can use your VA Benefits again when you sell or retain that home.  If you sell the home and purchase a new one, then your full entitlement is restored. If you keep the home you are presently in, then you can still use your VA benefits, but those benefits will be partial entitlement and may require a down payment.  Need Answer to Your VA Home Financing Questions?  Let’s Talk!
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Buying a Home Using Your VA Benefits – You may have purchased a home using your VA benefits and wonder how you can use your VA Benefits again when you sell or retain that home.  If you sell the home and purchase a new one, then your full entitlement is restored. If you keep the home you are presently in, then you can still use your VA benefits, but those benefits will be partial entitlement and may require a down payment.  Need Answer to Your VA Home Financing Questions?  Let’s Talk!

ByBrandon Butler

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Employment Disruptions & COVID – COVID caused a lot of disruptions for clients seeking to buy a home.  One of the common issues we run into are “Gaps in Employment” or “Job Changes” due to the pandemic.  For Home Financing purposes, lenders are trying to establish stability of employment which can range from 6 months to 2 years depending on the loan program.  If you had a disruption in income, let’s talk about your situation and determine a road map to homeownership!
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Employment Disruptions & COVID – COVID caused a lot of disruptions for clients seeking to buy a home.  One of the common issues we run into are “Gaps in Employment” or “Job Changes” due to the pandemic.  For Home Financing purposes, lenders are trying to establish stability of employment which can range from 6 months to 2 years depending on the loan program.  If you had a disruption in income, let’s talk about your situation and determine a road map to homeownership!

ByBrandon Butler

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Attention Airbnb™ and VRBO™ Owners! When financing a short-term rental property, home lenders will require a minimum of 12 months of rental income that is filed on your tax returns under Schedule E.  If you have questions about financing a short-term rental property, let’s talk!
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Attention Airbnb™ and VRBO™ Owners! When financing a short-term rental property, home lenders will require a minimum of 12 months of rental income that is filed on your tax returns under Schedule E.  If you have questions about financing a short-term rental property, let’s talk!

ByBrandon Butler

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Can you buy or refinance a property where the title is held by an LLC? For home financing purposes, you will need to transfer the ownership of the property to a person in order to buy or refinance the home. Once you close on the property as an individual, there are ways to transfer the ownership to an LLC. Comment below and I will send you a fact sheet on LLCs and Home Financing!
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Can you buy or refinance a property where the title is held by an LLC? For home financing purposes, you will need to transfer the ownership of the property to a person in order to buy or refinance the home. Once you close on the property as an individual, there are ways to transfer the ownership to an LLC. Comment below and I will send you a fact sheet on LLCs and Home Financing!

ByBrandon Butler

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Big Changes for Divorced Clients! FHA used to require legally divorced borrowers to provide evidence that 12 months of payments were made by the ex-spouse where a jointly owned home was court-ordered to be paid by the ex-spouse.  They just updated their guidelines to state that if the home is court-ordered, the lender does NOT need to show 12 months of timely payments by the ex-spouse! Interested in learning more? Let’s discuss your situation! 
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Big Changes for Divorced Clients! FHA used to require legally divorced borrowers to provide evidence that 12 months of payments were made by the ex-spouse where a jointly owned home was court-ordered to be paid by the ex-spouse.  They just updated their guidelines to state that if the home is court-ordered, the lender does NOT need to show 12 months of timely payments by the ex-spouse! Interested in learning more? Let’s discuss your situation! 

ByBrandon Butler

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FHA made some important updates to their guidelines that will assist borrowers in obtaining home financing.  We have put together the Old vs. New guidelines, so let’s connect and update your real estate office staff on these changes.
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FHA made some important updates to their guidelines that will assist borrowers in obtaining home financing.  We have put together the Old vs. New guidelines, so let’s connect and update your real estate office staff on these changes.

ByBrandon Butler

A subscription is required to access this content—please view our available subscription options. If you are a current subscriber, please log in.