Looking to buy a house in California or Arizona and limited on money for the down payment. Here are three purchase loan programs that you can explore.
In this Podcast, we will review the VA home loan, USDA Home loan, and Down Payment Assistance loan programs. I welcome the opportunity to discuss with you these three loan programs to be able to buy a house in Arizona or California.
Nathan RuftyMortgage Loan Originator
CA Call or Text: 909-503-5600
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Refinance home loan in California and Arizona. Want to explore your option of a home-refinance to shorten the term, lower the interest rate, or take cash out for any reason. It is time to speak with a full-time career mortgage professional about your financial situation.
Each borrower's financial situation is different, not one product fits all, that is more the reason to connect with a licensed mortgage loan originator to explore all your options so her or she can present you (not sell) your loan options based on your income, credit, assets, and loan to value.
I welcome the opportunity to be that mortgage loan originator to discuss your refinance goals for property in California or Arizona.
I am thinking of refinancing my house, but when is it a good time refinance? You may be asking yourself this question and looking for some guidance. Everyone's financial situation is different when it comes to refinancing your house.
Are you looking short your term to pay the house off sooner, looking to reduce your rate and payment, need to pull money out to payoff debt or do some home improvement projects? Let's explore some of these by listening to this Podcast.
Please call, text or email me with any questions,
AZ Call or Text: 623-850-1210eFax: 888-837-2861CA & AZ NMLS #292056NRufty@CanopyMortgage.comwww.NathanRufty.comCheck Out Our Rates
A VA loan in Lake Havasu City, Arizona is a mortgage that's guaranteed by the U.S. Department of Veterans Affairs. Though the money you borrow to finance your home will come from a private lender, the Department of Veterans Affairs will step in and back that loan to make it easier for you to qualify.
Once you're deemed eligible for a VA home loan, you'll receive what's called your "entitlement," or the amount the Department of Veteran Affairs will guarantee on your loan in the event you go into default. However, your lender may be willing to let you borrow more than the guaranteed amount, and you'll often get to borrow four times your entitlement.
What are the benefits of VA purchase home loan program in Lake Havasu City, Arizona?
Can I get qualified for a VA purchase home loan program in Lake Havasu City, Arizona?
You are likely eligible for a VA mortgage if:
You’re an active-duty military member or veteran who meets length-of-service requirements.
You're the surviving spouse of a service member who died while on active duty or from a service-connected disability and you have not remarried or remarried after age 57 or Dec. 16, 2003. Spouses of prisoners of war or service members missing in action are also eligible.
You meet the lender’s requirements for credit and income. The VA doesn't set a minimum credit score for VA loans, but lenders can set their own minimum standards. The lender will also consider your income and debts to evaluate your ability to repay the mortgage.
The property you want to buy meets safety standards and building codes and will be your primary residence.
To show that you meet the military service or surviving spouse requirements, you'll need to get a VA certificate of eligibility before the loan closes. You can ask a VA-approved lender to obtain the document for you or request the certificate through the VA.
To get qualified please call Nathan Rufty at (623) 850-1210.