Great News for Freddie Mac conventional home loans!  If you have applied for an installment agreement for taxes owed to the IRS, Freddie Mac will now allow lenders to provide a copy of the application outlining the balance and the terms requested. To calculate your monthly obligation, lenders will take the GREATER of the monthly amount on your application OR divide the balance owed by 72. Previously, those looking to finance a home had to wait on the IRS backlog for the formal agreement.  If this is your situation, let’s talk!
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Great News for Freddie Mac conventional home loans!  If you have applied for an installment agreement for taxes owed to the IRS, Freddie Mac will now allow lenders to provide a copy of the application outlining the balance and the terms requested. To calculate your monthly obligation, lenders will take the GREATER of the monthly amount on your application OR divide the balance owed by 72. Previously, those looking to finance a home had to wait on the IRS backlog for the formal agreement.  If this is your situation, let’s talk!

ByBrandon Butler

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Are you missing the opportunity to own a home because you fear the down payment and closing costs?  Many of my clients are surprised that owning a home may be much less costly than what mainstream “financial experts” tell you.  For instance, every state has resources for down payment or closing costs targeted towards affordable home options.  These programs may be the answer to owning vs. renting.  Let’s talk if you would like to learn more about available down payment or closing cost assistance!
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Are you missing the opportunity to own a home because you fear the down payment and closing costs?  Many of my clients are surprised that owning a home may be much less costly than what mainstream “financial experts” tell you.  For instance, every state has resources for down payment or closing costs targeted towards affordable home options.  These programs may be the answer to owning vs. renting.  Let’s talk if you would like to learn more about available down payment or closing cost assistance!

ByBrandon Butler

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Did you know that each state offers real estate tax exemptions for some homeowners? These exemptions vary by state, and the requirements to apply for the exemption are also different.  If you are curious about the real estate tax exemptions in your state, let’s talk!
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Did you know that each state offers real estate tax exemptions for some homeowners? These exemptions vary by state, and the requirements to apply for the exemption are also different.  If you are curious about the real estate tax exemptions in your state, let’s talk!

ByBrandon Butler

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Can you buy a home if you have delinquent taxes with the IRS?  Lenders will provide financing for your home as long as you have a repayment agreement with the IRS and there is no indication that a lien will be filed against you.  If delinquent taxes to the IRS is holding you back from buying a home, let’s talk! 
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Can you buy a home if you have delinquent taxes with the IRS?  Lenders will provide financing for your home as long as you have a repayment agreement with the IRS and there is no indication that a lien will be filed against you.  If delinquent taxes to the IRS is holding you back from buying a home, let’s talk! 

ByBrandon Butler

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Cool New Tool Alert! Did you know there may be down payment assistance or affordable home loan programs when you meet certain income limits? One of the ways to search for this is through a new tool released by Freddie Mac. Just type in the address of the property you are looking at, and the system will give you the average income in the area and allow you to search for available down payment resources. Comment below, and I’ll send you the link!
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Cool New Tool Alert! Did you know there may be down payment assistance or affordable home loan programs when you meet certain income limits? One of the ways to search for this is through a new tool released by Freddie Mac. Just type in the address of the property you are looking at, and the system will give you the average income in the area and allow you to search for available down payment resources. Comment below, and I’ll send you the link!

ByBrandon Butler

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Great News!  If you allow someone to assume your loan, Freddie Mac will exclude that liability if you have an assumption agreement and proof that the person who assumed the mortgage has made 12 payments on time.
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Great News!  If you allow someone to assume your loan, Freddie Mac will exclude that liability if you have an assumption agreement and proof that the person who assumed the mortgage has made 12 payments on time.

ByBrandon Butler

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Buy the Fixer Upper! Did you know that you can buy a home that needs some love and finance the home and renovation all in one loan? Many homes have “good bones” that, with some renovation work, turn into gems. Curious about this financing option? Let’s Talk!
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Buy the Fixer Upper! Did you know that you can buy a home that needs some love and finance the home and renovation all in one loan? Many homes have “good bones” that, with some renovation work, turn into gems. Curious about this financing option? Let’s Talk!

ByBrandon Butler

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Condominiums are an affordable option for first-time buyers!  Condos not only are affordable, but they are also a great way to ease into homeownership without all of the responsibilities of a single-family home.  However, not all condominiums are created equal when it comes to financing.  To get the best financing it is important to know which condominiums are approved.  Before you start looking at property, let’s talk.  I’ll help you navigate the condominium financing issues.
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Condominiums are an affordable option for first-time buyers!  Condos not only are affordable, but they are also a great way to ease into homeownership without all of the responsibilities of a single-family home.  However, not all condominiums are created equal when it comes to financing.  To get the best financing it is important to know which condominiums are approved.  Before you start looking at property, let’s talk.  I’ll help you navigate the condominium financing issues.

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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HFA Advantage® is a first-time homebuyer program that provides financing for manufactured housing.  It is a great program to help you buy your first home with a minimal investment. If you haven’t explored manufactured housing lately, you may be surprised about the look and quality.  If you are stuck in the rental cycle, let’s talk about affordable home options for you!
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HFA Advantage® is a first-time homebuyer program that provides financing for manufactured housing.  It is a great program to help you buy your first home with a minimal investment. If you haven’t explored manufactured housing lately, you may be surprised about the look and quality.  If you are stuck in the rental cycle, let’s talk about affordable home options for you!

ByBrandon Butler

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