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Thursday, December 11, 2014

3% Down Payments May Be Game Changer

This may help a lot of those out there who have good credit, however unable to come up with a down payment. Have questions call Mr. Will 904-298-3015 or www.willrudloff.com





3% Down Payments May Be Game Changer

Friday, November 14, 2014

Buying your home and the Pre-Qualification Process

Pre-approval letter may require a little more time and planning to obtain, but it will be well worth your effort in the long run. With your Pre-approval, you’ll be a more confident buyer and a better negotiator who will command the respect and attention of builders. Just as important, your Pre-approval letter will help you focus on homes in your price range and help you close faster when you have found that perfect property. Call or Visit us

Monday, June 23, 2014

There is Hope after Foreclosure, Bankruptcy,or Short Sale

There Is Hope – Is your credit damaged? Have you given up all hope of moving into your own home? Well we may be able to help you. For our clients that are not ready to immediately qualify for a mortgage, we help them get ready. We review our client’s personal situation and identify why their credit is damaged. Then together we work on creating a game plan. It includes specific steps and goals that need to be met. If the client wishes, I check in with them periodically to make sure that they are on track. I become your mortgage coach. Recently we worked with a couple who may be in a similar situation to yours. Their credit was damaged due to a job loss. When the underwriter ultimately reviews their application and supporting paperwork, the fact that the job loss was unavoidable will be taken into consideration. They have been working on reducing their credit card debt, and are now well on their way to being able to qualify for a mortgage. If you or someone you know would like a realistic review of your mortgage readiness, give me a call. I’m Mr. Will from Jacksonville, and I have been helping families throughout Duval, Clay, and St. Johns counties for the past 25 years. I’m here to show you the way to get a mortgage.

Wednesday, June 4, 2014

MortgageOrb: How Home Buyers Are Impacted By Private Mortgage Insurance

We noted this earlier and look at the stats.The survey found that 43% of millennials (ages 18-34) did not make a 20% down payment and required mortgage insurance, as compared to 37% of generation X-ers (ages 35-54) and 23% of baby boomers (ages 55 and older).











MortgageOrb: How Home Buyers Are Impacted By Private Mortgage Insurance

Monday, June 2, 2014

Rates and the Process

"It's a temporary window of opportunity for buyers in that a year from now rates will be higher," said Mark Zandi, chief economist for Moody's Analytics in West Chester, Pennsylvania. "The housing market could use it given how it's gone sideways. But I wouldn't count on these low rates for very long." Read more here: http://www.bradenton.com/2014/05/30/5178968/borrowers-show-no-rush-to-catch.html#storylink=cpy">It's a temporary window of opportunity for buyers in that a year from now rates will be higher," said Mark Zandi, chief economist for Moody's Analytics in West Chester, Pennsylvania. "The housing market could use it given how it's gone sideways. But I wouldn't count on these low rates for very long." Read more here: http://www.bradenton.com/2014/05/30/5178968/borrowers-show-no-rush-to-catch.html#storylink=cpy Things needed to know.
We are an optimist, however not a mind reader. Think of me with any questions on our web page.

Thursday, May 29, 2014

Know about your Mortgage

Reading earlier when borrowing money on your next Mortgage Loan. Think on this.
Don't stick your neck out to far. See us on our Web Page

Tuesday, May 27, 2014

Wednesday, May 14, 2014

Short Sale. Who said you have to wait 2 years?

There are those who fell on hard times and had some misfortunes,did you know anyone? Well with 20% down payment see this video we put together for our Realtor's to take a peek at.

Monday, May 12, 2014

What if we pay more on our Mortgage?

That is a great question and see what happens on a 30 year loan.
However if you do not have a sufficient emergency fund re consider the added money to that fund first. "http://youtu.be/utzsQNXrQ_I">What are we all about and what actually do we also do.
Give Generously Receive Appreciably
Think of us when you can

Monday, May 5, 2014

Forbes on buying

Although the gap between renting and buying is narrowing across the U.S., home ownership is still 38% cheaper than renting. See what we do Homeownership remains cheaper than renting nationally and in all of the 100 largest metro areas according to Trulia

Friday, May 2, 2014

Rates

April Rates Bring May Closing Dates In mid-April, investors fled the Stock market by moving their money over to Bonds, which resulted in the lowest home loan rates seen in a month. Were they enough to get more buyers signing on the dotted line? Despite the mid-April decline in home loan rates, the number of new home loan applications did not recoup the first quarter's weak application figures as reported by the industry's leading lenders. Applications for home loan refinances were still down 70 percent from a year ago, according to the Mortgage Bankers Association, while applications to purchase a home were down 14 percent from the same time period in 2013, when rates were almost 1 percent lower. Good News for Homebuyers Recent lower rates welcomed homebuyers ahead of the spring season. Reports surfaced that many homebuyers and especially first-timers were getting squeezed out of a competitive buying market. And while rising home prices and more strict lending guidelines—in the form of higher credit and asset requirements—had prevented many from home ownership, we hope that the lower rates will stay low for the season to come. For homebuyers, it's important to have a solid pre-approval in place prior to home shopping. With less homes available on the market for sale nationwide, competition for desirable homes will be fierce. Thus, it's more important than ever for qualified homebuyers to prove their ability to follow through on purchase offers. Home supply will hopefully see signs of improvement as home builders increase housing starts. Lower rates may also help those homeowners who have not yet refinanced or missed earlier opportunities to do so. The Bottom Line Home loan rates remain attractive compared to historical rates and good deals are available in many parts of the country. If you have any questions about your personal situation or would like to inquire about housing and home loans, please don't hesitate to contact me

Wednesday, April 30, 2014

Make the Mortgage Process Simple

Will Rudloff "Mr.Will from Jacksonville Will Rudloff "Mr.Will from Jacksonville Home buying and the financing can be made simple when you have the correct team with the WHY in place for making it all happen. Ask about edge and see this safe link. http://mcedge.tv/16l0hn Also where there is a will there is a way. Check this out.

Friday, March 28, 2014

The loan process.

Love it when we close a client's loan in under 30 days. All it takes is a cooperative client and a Great support team.