Today's tip will be short. Let's start off with this week's "Weekly Talking Points of Interest" video to get you up-to-date with the rates and mortgage markets: http://www.youtube.com/watch?v=XalbrUVxa7s
Today I want to remind you of the programs I can offer through Summit Mortgage (a direct lender) and some of our wholesale relationships to meet your client's homebuying needs. Here's the list:
- Conventional (all fixed and ARM products available including HomePath, HomeSteps, and refinances up to 95% LTV with NO mortgage insurance if the current loan has no mortgage insurance!!)
- FHA (3.5% down, non-occupant co-borrowers allowed to help qualify)
- FHA 203(k) renovation (can close prior to needed repairs/renovation completed!)
- VA (100% financing with no monthly mortgage insurance)
- RD (100% financing with no monthly mortgage insurance for rural areas - i.e. Kuna & Star in Ada Co. and everywhere except Nampa & Caldwell in Canyon C.)
- IHFA (Conv. and RD only)
- asset-based loans (for clients who can't show enough monthly income or don't have a monthly income but do have great credit and a large amount of savings)
- construction loans (believe it or not, there are some new homes being built...)
Again, Summit Mortgage is a full-service direct lender with our own underwriting and doc drawing departments. Plus, we always table-fund! (we sent the wire to title before anyone signs so there's never a need to wait until the next day to record and get your clients moved in!!)
Thank you to those of you who've referred your clients to me in the recent past. I appreciate it and look forward to continuing to work with you!
To you who haven't given me a try, yet, I'm confident you'll be pleased with my service and reliability. I get the job done right, on time, exactly as promised. Give me a try on one and see for yourself...
Have a great week!
Your Partner in Greater Success,
Bill Zimmerman
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