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How to use Stock or Bond to get a loan?
Are you looking for loan to do anything more than mortgage? We have solution for you, but you need to have stock or bond to exchange. What we do is to use your own stock or bond(not CD, not 401K) as collector to loan you 80% of the cash value. We pay cash for anywhere in the world stock or bond except China and India markt. And pay you interest rate 2.5%-4.5% FIXED RATE based on the stock or bond value. You can choose the loan term for your own without any early payoff penalty. The minimun loan amount is US$100,0000. After the term complete, we will return the exact shares of stock with the same company back to you. For Example, you own Microsoft stock today value $12,5000, we can loan you $100,000(80% of the 125000) cash with you own term and only pay quarter interest only. The principle is due at the end of the term.
Credit is the center of the business. Everything is based on credit. How to treat your credit, Please read the following information.
If you are looking to improve your credit score
Buy a home
Buy a car lower your interest rate
Refinance your home
We can help !
Our service will help you resume any inaccurate erroneous and obsolete information in your credit file included
Late payment
judgment
Tax liens
Repossessions
Settlement
Collection
Bankruptics
Charge off
Foreclosures
Student loans
Our service feature -
Five dispute letter cycle.
Proven result in as little as 60-90 days.
24/7 acess to your very online account.
Money back guarantee.
BBB rating check.
http:www.vrtechmarketinggroup.com/Djen2
It can pay split plan;
$250 at the front and $260 due 30 days.
$250 at the front and $275 due 60 days.
It can pay $499 for one time.
For example:
$200,000 mortgage payment credit score 580-650 could be 7%, the monthly mortgage payment= $1398(30 yrs fixed)
$200,000 mortgage payment credit score 680+ could be 6.5% or lower, the monthly mortgage payment= $1264(30yrs fixed)
The difference saving is $134/mo. $1608/yr, $8040/5yrs, $48240/30yrs
I also look for people who like to improve credit himself or herself or for other people and also can make money.
Please to visit this website for detail. http:www.vrtechmarketinggroup.com/Djen2
City of Houston Grant money for Downpayment
The City of Houston's Housing and Community Development(COH+HCDD) has three downpayment Assistance Program(DAP's) that provide $19,500 to $37,500 in financial assiatance to low-moderate income homebuyer in the incorporate area of the City:
1. The Homebuyer Assistance Program($19,500)
2. The Worforce housing Program ($30,000)
3. The Houston Hope Program($37,000)
Resource and Q&A
www.houstonhousing.org
www.houstontx.gov/houstonhope
www.har.com/affordablehousing/default.cfm
HCDD's Homebuyer Hotline 713-522-Home(4663)
http://ww.HUD.gov
http://www.OFHEO.gov
http://www.REALTOR.org http://www.FederalReserve.org http://www.bankrate.com
Bi-weekly mortgage payment calculation
http://www.llcu.org/cgi-bin/scripts/biweekly.pl
How much is my house Value? http://www.uhouseconnection.com/FreeHomeValuation
How much house can I afford?http://cgi.money.cnn.com/tools/houseafford/houseafford.html
Financial Calculator http://cgi.money.cnn.com/tools/
Money 101 class- step by step to control your money http://money.cnn.com/magazines/moneymag/money101/index.html
Retirement wake-up call and how much need to saving to retirement http://money.cnn.com/2008/04/09/pf/retirement/ebri_retirement/index.htm?postversion=2008040904
We have SOLUTION for you. PAY OFF YOUR DEBT BEFORE PAY OFF YOUR MORTGAGE. I will show you how in the minute. The Thing is...
Retirement start from your mortgage, Most people forgot Mortgage is Liability not ASSET until you payoff. Why pay BANK interest every month? You can use the mortgage interest to pay off your debt, your vacation, kid to college fund, retirement, and your house will NEVER forclosure. How?
Here is how it works
Say you have $200k loan amount, interest rate=6%, monthly payment=1200, for 30 yrs fixed.
And say you have credit card debt=$17000(nation average), and min payment =$100.
We have program to help you pay $800/month on mortgage(30 yrs fixed). and you can pay 1200-800=400 to your credit card. Till you pay off your credit card and then you can full $1200 to your mortgage every month.
PS: the average american has $17000 credit card debt and interest rate is 19%.
min payment=280/m need to payoff it will take 17yrs. But you pay $400/month, it will only take 5.9 yrs. It will help you get off debt quick and start saving retirement money.
If you have low interest rate 5%, 30 years fixed rate on your mortgage. You are not pay bank interest 5% in the first year. You paid over 100+% on your interest. WHAT ? 100%+?? You may ask where is 5% interest? When you paid the 360 payment(30 years) which the last payment is. You Are honor 5% interest for last payment. No wonder, 30 years fixed rate loan, when you pay to year 22, you JUST paid to the half of the principle. And year 8 for 15 years fixed loan. Why ? You do the math.
Fortune, you pay off after 30 years, what is left ? You pay double of the principle and you work so hard to make bank fortune. NOT YOU. Where is your retirement saving? You might said " The Saving is in my house". The only way to take you money out is to Sell the house or Refinance and CASHOUT the equity. But when real estate market is downturn, You may get little cash out from your property. You might think"I may so unluck, I buy house when market is up and everyone buy. When I need money, but market is down". The TRUTH is You can not TIMING market when go up or go down. Buy house need use RIGHT loan to fit your retirement plan
The RIGHT loan is shown below. Every month you have 4 option, you can pay min payment, interest only, 30 years fixed, 15 years fixed becasue your life style is not FIXED.
Example -
Loan amount mini payment
$150000 $649/mo,
$120000 $519/mo.
$100000 $432/mo
# Are non owner occupied loans getting harder to do? Call me so I can help you get these closed!!!
SIMPLE WEB TOOL TO HELP INVESTOR TO MANAGER INVESTMENT PROPERTY
http://www.simplifyem.com/partner/dannis_jen1
Stated Non Owner: credit score need 700+, 80% LTV, purchase or refinance rate/term.
need to verify 6 months reserve asset.
· More than 10 properties financed…OK!!!
· Leasebacks…OK!!!
· Cashouts…OK!!!
· Multi-Units…OK!!!
· Multiple properties at one time…OK!!!
*********************************************************
Stated owner occupied loan credit score need 660+, 80% LTV.
need to verify 3 months reserve asset.
ALL THIS WITH OUR COMMON SENSE UNDERWRITING!!!
# We also offer Hard Money in commerical and residential, If you need fast.
# HARD MONEY - residential and commerical.
Lot, house,apartment, office, shopping center, church, mixed use, gas station, auto shop...
# We specialize In FHA Lending 100% loan- Never FICO driven- Grant Money Available
Searching out those borrowers who are good and honest people. Our manual-underwriting department looks beyond FICO scores,We accept legitimate explanations for past derogatory credit.
The Max loan amount on FHA=$270,000(TX), Not sale price, of course you can have downpayment.
FHA manual underwriting
All mobile, manufactured and modular homes
100% LTV included 3% downpayment assistance OK family gift OK, or grant money OK. Never FICO driven, Grant Money Available, Seller’s contribution up to 6%, Seller’s Gift – OK.
# FANNIE MAE LOAN- FULL DOC
5% downpayment, grant abailable to cover downpayment and closing closing cost. Refinance, cashout, purchase ok.
purchase need 660+ to get 100% loan. Under 660+ need 5% downpayment.
Refinance need 600+ to get 95% loan.
First time home buyer ok, bad credit ok but need few months restoration program to work on credit repair http//:www.vrtechmarketinggroup.com/Djen2
# FHA downpayment assistant (DPA) -
The Max house price can not over $135,000. It depends on location per HUD lending guildeline
FHA allow you to get downpayment assistant for the program. The program is ok for ALL people to qualify FHA. You will get 100% finally on FHA loan if you qualify you income and debt income ratio.
THE FOLLOWING IS FOR 2 TYPE DPA
1. GRANT MONEY -
Grant money can pay your downpament and closing close. No need to pay back to goverment and it is grant. It is free application.
Qualifiaction is baed on income, house location and household in the family. You can get anywhere in US. For some area are promoted by goverment with get more grant. In general, $13000-$145000 grant with get per family.
Firefighter, Teacher, EMS and ploice are special grant to $30000-$40000.
The Grant money need to stay house for 5 years before sell the house or penality to prorate.
You don't try, you will never get till you try.
If you need package, please email me.
2. FHA SELLER - FUNDED GRANT PROGRAM STILL ELIGIBLE FOR FHA APPROVAL - NEHEMIAH
http://www.getdownpayment.com/
# FHA REFINANCE-
- SAY GOOD BYE TO ADJUSTABLE MORTGAGE(ARM) - GET REFINANCE TO 97 % LOAN TO THE APPRAISAL VALUE, 30 YRS FIXED LOW RATE.
THE FOLLOWING FHA REFINANCE DON'T HAVE CREDIT SCORE RESTRICTION
1. FHA STREAMLINE REFINANCE - IF YOU CURRENT HAVE FHA LOAN AND NEED TO REFIANCE. NO NEED CREDIT SCORE.
2. VA IRRRL REFINANCE - IF YOU CURRENT HAVE VA LOAN AND NEED TO REFIANCE. NO NEED CREDIT SCORE.
3. FHA HECM - RESERVE MORTGAGE - NO NEED CREDIT SCORE.
# Attention to Job Relocation borrower.
Please make sure the house that you are going to buy is under your budget. if your house located on your previous job site can not sold quick and need longer time on the market. The end up you will pay two mortgage if previous job site house has mortgage. The best is to find some reloaction company who can buy your house before you move to the next house.
100% loan you can get new job site house. and up to 6% seller conrtibution to pay buyer closing cost. Remember, debt income ratio is still need to consider to qualify.
# Loan Program #2
Guaranteed Approval for Clients with 10% Cash
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· No SSN – OK , No Credit Score – OK, No Income – OK, No Job – OK, No Green Card – OK, Any Home in America, All 50 States |
How to use mortgage to payoff credit card debt, build retirement money, send kid to college - Free Recorded Message 800-338-4384 Ext 3333
# Loan Program #3
EASY Investment Loan - ONE WEEK CLOSING
When you do flipper / rental - AFFORDABLE PAYMENT
Example -
Loan amount mini payment
$150000 $649/mo,
$120000 $519/mo.
$100000 $432/mo
Need 660 + credit score
30% down payment with NO DOCUMENT, it can use other people money(OPM)
25% down payment with FULL DOCUMENT (w-2/paystub).
House condition should be livable.
3 years fixed, 30 years fixed - OK.
NO BALLOON, NO HARDMONEY
3 years Prepay penalty (2% of balance). That’s it.
# LOAN PORGRAM #4 -
100% stated commerical loan - office building/warehouse/retail/autoshop
Finally Here
deal for office condos, small businesses looking to buy, & an EASY alternative to tough SBA lending!
® No Money Down!
® Loan amounts up to $1,000,000.00, 5-Year Fixed; 30-Year Amortization, Rates begin in the high 9’s!, Only 25% Owner-Occupancy (SBA requires 51%), Must have a credit score above 680, Lower LTV’s available for lower credit scores,
Eligible Property Types – Office, Warehouse, Retail, Auto Repair, etc. NOT eligible: Multi-Unit Investor and Hospitality
This product is HOT. Simply put, IT IS THE BEST STATED INCOME PRODUCT ON THE MARKET TODAY! PLEASE REMEMBER THAT RATES AND TERMS WILL VARY BY DEAL – THE STRONGER THE DEAL, THE BETTER THE TERMS. And we close these deals quickly, usually within 45 days!
So, if you have any deals that you would like us to look at or if you have any questions or want more information, please give us a call.
# Commerical Loan - up to 100% LTV loan( not CLTV), Yes, 100% loan, stated income, purchase/refinance/construction/ flexible mortgage term. All about cash flow
Automative - Gas station, car washer etc.
Church
Condo/Complex
Hospitality - motel & Hotel
Industrial/ Land
Leisure - Golf Course, Marinas, RV Park etc.
Medical - Hospitals, Clinics, etc
Mixed use
Multi family - Apartment, Hi-rise, Senior/student housing
Office building/ restaurant
Retail - Shopping center/ Malls
Selfstorgaes
Wearhouse
# Loan Program #5 EASY SELL OWNER FINANCIAL NOTE
WE PAY TOP DOLLAR !!!!
Need 625 + credit score, Max LTV 85%, NO Appraisal Need,
1-4 SFR, Townhome, Condo, Mobile Home with Land and Land,
Owner Occupied, Seller Seasoning 1 year,
Title need document on the court,
Buyer seasoning one month or First Payment,
Buy Partial or Full term Note/Deed,
Note will be assumable,
No pre payment penalty,
Fast Closing.
# loan program 6 -
Hard money- Purchase or Refinance or Cashout
Land, Signal Family Residential, Commerical Property. 12 months, 3 yrs, or 5 yrs.
# Residential Construction Loan/ Rehab Loan
credit score need 640+ max loan to 417K, 95% LTV
credit score need 680+ max loan to 650K, 90% LTV
credit score need 700+ max laon to 1 million,80% LTV
# Reverse Mortgage- Q& A
1. Is any income needed to qualify?
While the Fannie Mae form 1009 (reverse mortgage application) does have a place on it for income, no income is required to qualify for a reverse mortgage! And no payments are ever made!
2. Is ‘bad credit,’ or even ‘no credit’ ok?
Credit information is put on the Fannie Mae 1009, but it is not used to qualify for the loan! Remember, no mortgage payments are ever required of the borrower! So, “no credit” is ok! And “bad credit” is ok too!
Credit information is used for reverse mortgage counseling purposes, and to aid in avoiding identity theft.
Why aren’t monthly mortgage payments required of the borrower?
In a reverse mortgage, interest accrues, and is added to the pay-off balance. No monthly principle or interest payments are ever made.
Therefore, the borrower borrows “x” today, and when they pass, “x+accrued interest” is what is paid-off by the heirs.
The heirs do this by either buying the home with cash, buying it with a forward mortgage, or by selling the home.
And remember, the house still has at least 15% equity in it, making a sale very easy!
How old do reverse mortgage borrowers have to be?
All borrowers on title at the time of closing must be 62 years-old or older. “Baby Boomers” are turning 63 this year! Plus, more people were born in 1946, than in the previous 10 years! And now they need reverse mortgages!
3. Can reverse mortgage borrowers ever lose their homes?
No. Reverse mortgages are a safe, government-regulated program, and a senior can never lose their home.
4. Do their heirs get ‘screwed?’
No. In fact, most heirs prefer their family members use the captive equity in their home for living expenses. And, about 50% of the time, the heirs are the ones who ask for information on a reverse mortgage!
Besides, the heirs get the property back, with equity still in it! And they may elect to keep the property in the family, by purchasing the home with a forward mortgage, or with cash from a life insurance policy, or other source.
Besides, reverse mortgage lenders are understanding of a family member’s passing, and do allow adequate time to complete any financing needed for the heirs to purchase the home.
Remember, lenders don’t want houses, they want money.
5. How can reverse mortgage borrowers take their money?
Borrowers can elect a lump sum, a line of credit, a monthly income check, or any combination of the three.
And, the money they receive is not taxable, and will not reduce their Social Security, pension, and MediCare benefits!
Remember, it’s not “income,” it’s their captive equity in their principle residence!
6. Does their house have to be ‘free & clear?
Borrowers can be helped, with a reverse mortgage, even when already owing as much as 85 LTV! Remember, a reverse mortgage can be used to pay-off an existing forward mortgage, and erase their existing monthly mortgage payments!
CREDIT REPAIR-
What is BBB said? www.vrtechmarketinggroup.com/Djen2
# 1031 Exchange-
ATTENTION SERIOUS INVESTOR:
NO MORE PAY TAX ON INVESTMENT PROPERTY EITHER RESIDENTIAL OR COMMERICAL. ALSO, MORE SECRET TO CASHOUT AND PAY NO TAX. HOW ???
EMAIL ME AND I WILL SHOW YOU 1031 exchange package.
# BUILD YOUR OWN GREEN HOME IN YOU LOT OR...BUY A LOT
PAY NO MORE A/C BILL, PAY NO MORE GAS BILL, EVEN PAY NO MORE WATER BILL, IF POSSIBLE, PAY NO MORE GARBAGE BILL(LANDFILL).
SOLAR ENERGY, SOLAR WATER HEATER, HEAT PUMP, GEOTHERMAL, RAIN WATER COLLECTION, WINDMILL, SOLAR SWIMMING POOL, USE SOLAR TO CHARGE FUEL CELL TO DRIVE YOU MOTOR OR GOLF CART.
TAX CREDIT FOR ALL RENEWABLE ENERGY.
WE BUILT GREEN HOME SINCE 1980 FROM CANADA.
STRONG STRUCTURE/STRONG FOUNDATION
WE CAN BUILD BASEMENT, TOO.
YOU CAN GET LOT AND CONSTRUCTION ALL IN ONE LOAN.
# We Pay Cash to Buy Any Condition House Allover US. And we close fast. Help you move forward.
If you need or more information, please call us to help. Do not delay. Call Today 713-261-5241 or email djen99@hotmail.com
Peak Oil http://www.investopedia.com/articles/economics/08/peak-oil-reality.asp?partner=NTU
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First Time Home Buyers Program:
1-800-792-1119
VA Housing Assistance:
1-800-732-6643
Fannie Mae:
1-800-732-6643
All other housing assistance:
email: info@tdhca.state.tx.us
www.tdhca.state.tx.us
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| • VA loans |
| • Fannie Mae |
| • Freddy Mac |
| • Farmer Mac |
When you decide to buy a home or refinance a mortgage, it's a big step. You can trust us to find the loan program that's best for you.
Buying a new home is a source of anxiety, frustration -- and a huge sense of accomplishment. You didn't pick the house that was best for someone else, you picked the one that's right for you! Trust our professionals to find the mortgage loan that best fits your needs, too. "Less paperwork and more personal attention" means you enter a frustration-free zone from application to decision. Getting the right mortgage loan is like getting the keys to your new house! We can help you get there.
Refinancing your current mortgage has never been easier. If you thought refinancing meant getting buried under mountains of paperwork, think again! We make it easy and worry-free to reduce your interest rate and monthly payment. We can even help you pay down your balance more quickly for comparable monthly payment. Let our professionals guide you to the very best refinanced loan!
Tapping into your home equity is easier than ever before. You've been paying down your balance, and property values have gone up! Tap into that wealth and reward yourself. We'll help with the best program to fit your goals.
Our mortgage professionals give you the personal attention you deserve and treat you with the respect due a valued customer. We understand you're making a commitment in buying a new home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you. We will help you qualify, apply and be approved for the right mortgage loan for you. Not anyone else!
Please navigate our website to learn more about us, what we do for you, and how easy it is to get started.
Craigs List
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Houston Employment:
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Houston Chronicle
www.chroniclejobs.com
Monster:
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Careers in Government:
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CareerBuilder:
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Hoover's Online:
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