From this to....this??? The Total Team can show you how!!!

As we wander through the everyday anomoly that is our economy, some things still remain. If you want to buy a house and feel secure in your job, you're going to buy a home and there's nothing that can stop you....right? But, what about all the reports of people who were recently denied a mortgage for what seemed like a sure thing. The radio has tons of adds saying it's no problem but, that's not what you're hearing is it? There could be numerous reasons and it's probable that you'll never know the reality of the denial (credit issues, income, job irregurality, etc). The conventional mortgage approval process has flipped completely on it's side from what it was even a year ago at this time. Debt to income ratio's have become as strict as they we're 25 years ago and credit standards have changed dramatically as well. One thing that has remained steady though, Federal Housing Administration loans and the ability to put little down and own a home. Scott and I wait (rather impatiently) for the other proverbial shoe to drop, but indicators seem to shine in another direction. In fact, it seems to get better than worse. FHA has programs that will actually allow you to finance in repairs on a home that you like but may need some attention physically or updating to make it to your liking. A great product if you find a home in a neighborhood you desire at prices that we'll likely never see again. Make the home you find yours as easy as deciding on a general contractor and determining your hearts desire. As I've said before...there are a great deal of homes in this market priced more than reasonably. Even more astounding, F.H.A is still willing to look at a file and manually underwrite based on hardships that can be legitimately documented. It's not the norm and I know it sounds to good to be true, it's not. It's not our job to waste you're time or ours for that matter. Call us and we'll schedule an appointment to sit down and discuss details, questions and concerns you may have. Remember above all...real experience matters. Thanks for visiting and look for our contact info at the top of the page, we'll be waiting to hear from you!