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Kay Cleland's Blog

USA Cares
Updated Aug. 8, 2015
USA Cares exists to help bear the burdens of service by providing post-9/11 military families with financial & advocacy support in their time of need. To learn more about USA Cares please visit
Looking to Buy a Home
Updated Oct. 9, 2013
Great day to you. When purchasing a new home, you should always discuss your options with a Local, Licensed Mortgage Originator that can come and sit down with you. You can find the licensed mortgage professionals information on your local state websites under Licensed Individuals..
Great time for a Mortgage
Updated Oct. 9, 2013
It is important to work with a local licensed mortgage originator. Down payment requirements: VA and USD/Rural Housing are 0% down payment, FHA is 3.5% down payment and can come from a gift from a family member, and Conventional is a 3% down payment requirement. Example: FHA 3.5% down payment, Sales...
FHA 203k Renovation
Updated Nov. 27, 2013
Great day to you. You can Purchase or Refinance with the 203k program.. If you currently own a home or are buying a home, which you occupy, and are looking to make some minor renovations, FHA has a product that is called the 203k Streamline Renovation program which can be used for basic repairs like: remodel kitchens...

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