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First Time Home Buyer Blog

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Sep 25, 2017

Mississippi Real Estate Agents

Looking for Mississippi Real Estate Agents? Find the best MS Real Estate Agents and Brokers listed here in this FREE directory.

Continue reading "Mississippi Real Estate Agents "

Sep 25, 2017

Billy Byrd - Walker Realty & Land Co.- Hernando/ Oxford

If you are looking for someone who will look out for your best interests, Billy is the Realtor for you! Billy will look out for you by putting his extensive

Continue reading "Billy Byrd - Walker Realty & Land Co.- Hernando/ Oxford"

Sep 18, 2017

Colorado First Time Home Buyer Grants | Programs | Down Payment Assistance

Probing for Colorado first time home buyer grants available to purchase a home? Find the best grants or programs for home buying in Colorado on this page.

Continue reading "Colorado First Time Home Buyer Grants | Programs | Down Payment Assistance"

Sep 16, 2017

North Carolina First Time Home Buyer Grants

Searching for North Carolina first time home buyer grants to purchase that home? Find the best grants and programs for home buying in North Carolina available on this page.

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Jun 10, 2017

FHA Lending Guidelines

According to the FHA lending guidelines, is it possible for escrow to be paid out of packet instead of rolled into the loan? What are the guidelines for a 2nd time home owner? These are answered below....

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Jun 08, 2017

FHA Title 1 Loan Explained

Are you interested in the FHA Title 1 Loan program and wonder where to find a lender who works with this program? Others have wondered the same thing, find the answers on this page.

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May 26, 2017

FHA Help

Would you like some FHA help? Perhaps you are wondering if it is wise to add a significant other to the mortgage? Or why a mortgage company would ask you to go conventional instead of FHA? Find answers to these questions on this page.

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May 20, 2017

Maryland First Time Home Buyer Grants | Programs | Down Payment Assistance

Digging for Maryland first time home buyer grants to buy a home? Find the best grants, programs for home buying in Maryland and other down payment assistance available to you.

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May 20, 2017

Home Buying Help - Your Personal Coach

Searching for home buying help? Discover here how to request your own personal assistant to navigate the home buying process.

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May 15, 2017

Home Mortgage Information

Rifling through tons of home mortgage information? Want to understand programs such as FHA, VA loans, and zero down options for home buying? This page will help you become a knowledgeable buyer.

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May 12, 2017

Mortgage

The mortgage industry is changing rapidly. Learn why the Big Banks are pulling out of this 1.5 Billion Dollar industry. The best part is it’s saving you money….

Continue reading "Mortgage "

May 10, 2017

California First Time Home Buyer Grants | Programs | Down Payment Assistance

California First Time Home Buyer Grants are worth your review! Find the most home mortgage grants, programs and other down payment assistance available in California here.

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Mar 29, 2017

HELP WANTED!! Will Trump Be There For First Time Home Buyers?

To all my dear readers of this blog. Back in January of this year, I wrote you to share what I thought was good news for the first time home buyer.

FHA announced on January 9th, 2017 that they were going to lower the monthly MIP on the FHA home loan from 0.85% to 0.60%. I was excited for you. This would save you significant money each month.

First Time Home Buyer ProcessIt seems that within hours of the new presidents inauguration on January 20th 2017, the new president Trump suspended the order to have these mortgage insurance premiums cut.

So the question remains, will the new president be good for the housing market and especially first time home buyers? Only time will tell on this one.

While I remain politically neutral, I must say that this will make it harder for my blog readers and website visitors. For over 10 years now this website and blog has been a favorite for many people. Tens of thousands of visitors every month.

I know you understand my dear reader that I have no control over what happens in the markets. I only report what I hear and see. Nothing more and nothing less.

So where do we go from here?

As expected FHA loan applications really started picking up when it was announced that monthly mortgage insurance premiums were going to be lowered.

The week after President Trump announced he was cancelling the reduced premiums, mortgage applications fell by 3.2% from the week before and FHA applications dropped by 13%.

It's not only lower-income Americans or mortgage borrowers with poor credit that could be affected over the next few years. Regardless of your financial status, you are likely to pay more in interest rates under the Trump administration.

While the Federal Reserve has only raised interest rates once per year over the past two years, the Trump administration's stimulus policies are expected to create enough economic growth to cause the Fed to accelerate interest rate hikes – and higher mortgage rates will follow.

So if you’re one of those potential homebuyers that wants to know what is the best way to go, contact me right away. Fill out the brief from for Personal Coaching and I’ll be happy to help you navigate through the murky waters.

Simply click on this link to be taken to the request form. I have limited spaces since I’m doing this alone and can only help so many people at a time.

Continue reading "HELP WANTED!! Will Trump Be There For First Time Home Buyers?"

Mar 20, 2017

Arkansas First Time Home Buyer Grants | Programs | Down Payment Assistance

Pursuing any Arkansas first time home buyer grants to purchase that home? Find the best grants for home buying in Arkansas and other home mortgage programs available on this page.

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Mar 14, 2017

Massachusetts First Time Home Buyer Grants | Programs | Down Payment Assistance

Chasing after Massachusetts first time home buyer grants to buy that home? Discover the best grants for home buying in Massachusetts and other home mortgage programs available on this page.

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Mar 07, 2017

Alaska First Time Home Buyer Grants | Programs | Down Payment Assistance

Fishing for Alaska first time home buyer grants to purchase that home? Find the best grants for home buying in Alaska and other home mortgage programs available on this page!

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Mar 03, 2017

New Jersey First Time Home Buyer Grants | Programs | Down Payment Assistance

Hunting for New Jersey first time home buyer grants to purchase that home? Find the best grants for home buying in New Jersey and other home mortgage grants available on this page.

Continue reading "New Jersey First Time Home Buyer Grants | Programs | Down Payment Assistance"

Feb 15, 2017

Price Reduced $5,000 First Time Home Buyer Tallahassee FL

If you're a first time home buyer in Tallahassee Florida, take a look at this nice home. Great schools, very affordable home.

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Jan 19, 2017

Tallahassee Real Estate Broker | Jeff Ragan | Leon County Florida

I’m helping people buy & sell real estate in Florida and around the USA. Using the marketing tools at my disposal, I can help you purchase the home of your dreams or sell a home fast.

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Jan 18, 2017

New Jersey Real Estate Agents - Find the Best Real Estate Agents in NJ

Looking for New Jersey Real Estate Agents? Find the best NJ Real Estate Agents and Brokers listed here in this FREE directory.

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Jan 10, 2017

Finally FHA Gets the Point!!

Hello all my dear readers of this first time home buyers blog. I have some great news for you, finally FHA has figured out that first time home buyers are not using their loan product.

As of January 9, 2017 the Federal Housing administration which actually ensures the FHA Mortgage has announced they are cutting the annual premiums for Mortgage Insurance. The old rate was 0.85% and it is now going to a new rate of 0.60%. Hopefully this will bring about more people that want to buy a home using the FHA 203B loan.

First Time Home Buyer Process One thing we can be sure of is the FHA Mortgage Products serve a very important mission helping people who are creditworthy to become homeowners. Sadly because of the high cost of Mortgage Insurance this has put homeownership out of the reach of many buyers.

Right after the great recession FHA had jumped their monthly Mortgage Insurance premium to 90 basis points from a low of 55 basis points. And then in April of 2013 because of their concerns for credit risk they raised their rates again. Because of these increases over 1 ½ million renters were pushed out of the market and could not become home buyers.

FHA mortgages are very important for many of my website visitors because a great deal of them are low to moderate income buyers. The FHA loan has always been attractive to this group because of the low down payment. Furthermore it allowed for lower credit scores as well.

So the good news is with these Mortgage Insurance premiums lowered it makes it possible for more buyers to enter the market. Their debt-to-income ratio will improve under this new program.

There is still one big change that the National Association of Realtors (NAR) has recommended. FHA needs to eliminate their life of the loan Mortgage Insurance requirement. This requirement forces borrowers to keep Mortgage Insurance on their property no matter how long they own it. The majority of conventional loans remove the Mortgage Insurance once they reach 20% equity in their property.

So if you’re a first time home buyer and you’ve been thinking about buying a home, with the interest rates rising .5% since the elections, now might be a good time to get started.

Please visit my page by following this link for personal coaching for absolutely free. I can introduce you to zero down home loan lenders, grants, and the proper real estate people. Simply fill out the form on the page and we will talk shortly.

Continue reading "Finally FHA Gets the Point!!"

Dec 23, 2016

Website Visitor in New Jersey Closes on New Multi-Family Home

Today I celebrate a mile stone in my website business. On December 14th, 2016 one of my website visitors closed on his new home. Why is this special?

I was able to help him as a personal coach through the entire process with the help of a professional realtor I referred him to in his neighborhood.

Congrats Steve L, thanks for the fine testimony!

First Time Home Buyer Process

=====HERE'S HIS TESTIMONY=====

Buying a home for the first time can be a daunting process. And if it isn't for even a fraction of time, it's probably a sign you underestimate the task ahead or aren't well prepared. I'm fairly organized person and I like to document myself before doing anything new in life. And that's precisely what I did before buying my first home: book reading, blog reading, open houses.

However, Jeff's blog and his approach and contribution has been unique and very distinct. It's not just a blog like the others, it's a very detailed guide FOR first time homebuyers, with everything you need to know from loan options to house searching tricks. And the must? You get a personal coach! I couldn't believe it at first, but that's precisely what I got and this has been crucial during the process.

As mentioned above,I documented myself, including on Jeff's blog. But theory and practice are different. My home buying experience was a real roller coaster with many humps and bumps, from multiple offers where I got outbid to house with issues to address, to issues with my lawyer and the vendor not being helpful, etc. In those moments, having a real estate expert taking time to call and inquire about you, provide guidance and help is life saving.

So, I can't recommend him enough.

There's literally nothing to lose and I wish more people knew about this site.

Steve L.

West New York, NJ

=====END QUOTE=====

If you would like the same kind of help no matter where you are in the country, visit this webpage to get started: Apply Online Today! Jeff Ragan Realtor

Dec 09, 2016

First Time Home Buyers Guide FREE reveals in 10 easy steps the mortgage process.

Your FREE copy of the First Time Home Buyers Guide details the mortgage process in 10 easy steps. This is a must read for all looking to buy a home.

Continue reading "First Time Home Buyers Guide FREE reveals in 10 easy steps the mortgage process."

Dec 02, 2016

FHA Home Loan - Change of Employment

Hello. My husband has been in the same line of work for a little over two years; he is an Engineer. In Feb. 2015, he went from being a W-2 employee to

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Dec 02, 2016

The 30yr Mortgage Rates Are Rising

As always I want to inform my readers about recent updates in the mortgage market. Since the recent presidential election, mortgage rates have continued to rise.

For the fourth week in a row, long term mortgage rates have increased reaching the highest level this year.

Freddie Mac one of the largest mortgage giants said Thursday on November 30 that the average rate for a 30 year fixed loan has risen to 4.08% from 4.03% over the previous week. Just four weeks ago, rates were closer to 3.75%.

What’s happening in the bond market, investors are looking for tax cuts and increased spending by the government. First Time Home Buyer Process Their thinking is that the government will increase spending on roads, bridges and airports under the new administration. This could fuel inflation. Along with inflation the prices of long-term treasury bonds erode in value over time.

So when bond investors see rising inflation, they ask for long term yields to increase.

So enough of the economic talk, what does this mean for you the first time home buyer?

Using the example of a 30 year mortgage for $100,000 at 3.75% your payment would be $463.12. With the interest rates having gone up over a ¼% in the last four weeks, the payment on that same mortgage at 4% interest would be $477.42. So ¼% increase in interest rates will cost you an additional $14.30 per month.

Now maybe that does not sound like a lot of money, but over a period of several years it adds up very fast.

The only reason I feel it’s important to make these statements, is that continued interest rate hikes appear to be on the horizon for all of 2017. Since 2005 I have been keeping my readers of this blog posted about current market conditions.

So if you have been sitting on the fence, hoping for lower interest rates, I think we have seen the low rates hit a bottom and are now are on the increase in the foreseeable future.

Then to top it all off with the rising interest rates comes increased home prices. And in many markets there are more buyers than there are Sellers. When you find yourself in a seller’s market, prices will rise on the home that you want to buy.

In some cases we’re seeing multiple offers on the same home. This creates like a bidding war, which causes people to pay more than the asking price for a home.

So if you would like to learn more about how to gain access to lenders for first time home buyers please visit the link below. Be sure and register using the brief form to learn how you can get one of the best mortgages in the United States.

Continue reading "The 30yr Mortgage Rates Are Rising"

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  3. Colorado First Time Home Buyer Grants | Programs | Down Payment Assistance

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