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August 2008 Blog Posts (5)

Down Payment Assistance: Osceola County, Fl

SHIP (State Housing Initiatives Partnership) Down-Payment Assistance Application(Osceola County, Kissimmee, Saint Cloud, Poinciana and other communities) period will begin on October 6, 2008 and will end on October 31, 2008.

In order to obtain an application for assistance, the following requirements must be met:

12hr - First Time Homebuyer's Education Certificate (provided by Osceola County Extension Services)

Current Pre-approval Letter from one of Osceola County's… Continue

Added by Ron Withers on August 22, 2008 at 8:30pm — No Comments

Mortgage Financing Options for Little or No Money Down

There was a time when there were a number of mortgage financing programs/options that were available for 100% financing. Those days are gone...for the most part. Currently there are only two (2) remaining true 100% financing programs in the mortgage marketplace. They are VA loans (for military veterans with a Certificate of Eligibility) and the USDA Rural Housing loans. You do not have to be classified as a first-time homebuyer for these programs.

In additonal to the above, the… Continue

Added by Ron Withers on August 13, 2008 at 4:09am — 3 Comments

USDA Rural Housing Loans.....The Most Under-Utilized Mortgage Progam In America

This post is for consumers/homebuyers, Real Estate Professionals and Mortgage Professionals that may not have a good working knowledge of the features and benefits of the US Department of Agriculture's Guaranteed Rural Housing program. Over the years I have done a number of these loans and have come to believe that it is one of the most under-utilized mortgage loan programs in the United States. It has many flexible features not found in Conventional and FHA loans.

For those real… Continue

Added by Ron Withers on August 13, 2008 at 3:00am — No Comments

How much is my home worth?

Hi folks. Are you having difficulties getting Sellers to agree on pricing? If so, maybe you are approaching it wrong. Try this.

"I'm not here to tell you how much your home is worth I'm here to tell you what it will take to get it sold." That is my opening line on my listing appointments. My goal is to get the Sellers emotions out of the deal.

In my market right now, I spend a lot of time meeting with Sellers who have properties that have declined in value since they… Continue

Added by Bryant Tutas on August 9, 2008 at 4:30pm — No Comments

45 day listing agreements. Weak? I don't think so.

I've read several post recently talking about taking 6 month listings and nothing less. Well, personally, I take 45 day listings and nothing more. Not only that, but I do not charge cancellation fees. My ads state this, 45 day listing agreements no cancellation fees, ever! For me this works like a charm. When I meet with potential Sellers, mostly referrals, expired or withdrawn listings, this is usually mentioned after I have gone over my analysis.

I say something like this.... "The… Continue

Added by Bryant Tutas on August 9, 2008 at 4:00pm — No Comments