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Ken Baltes's Blog

USDA Loans-- A great Tool for First Time Homebuyers
Updated Oct. 9, 2013
USDA Rural Loans. A USDA loan is a great tool for a first time homebuyer. It requires no down payment and no monthly mortgage insurance.A USDA loan is available in a 30 year fixed interest rate that is competitive with similar FHA, VA and conventional loans. Don't let the name "rural" make you think that these...
Credit and income
Updated Oct. 9, 2013
Having great credit is crucial to getting a mortgage with the best possible interest rate. If you are considering a home purchase in the future, it is important to have your credit pulled by a mortgage professional before you find a home.. Why? You should know what your credit score is and what possible loan programs...
Updated Oct. 24, 2014
Loan pre-qualification is the first step in preparing to buy your first home. It is important to pre-qualify with a reputable lender before you go out looking for homes.. To get pre-qualified you should have a licensed loan officer pull and review your credit and income documents like W-2's, paystubs, and...
Upcoming changes in USDA financing
Updated Oct. 24, 2014
Hello All,If you plan to buy a home or refinance your current USDA loan with a U.S. Department of Agriculture, or USDA, loan, you had better act soon.These loans, which are one of the few options for low-cost, no down payment mortgages, are about to get more expensive.. Borrowers have until Sept. 30 to receive the...
Loan disclosures
Updated Oct. 24, 2014
Here is a topic that I rarely see discussed: Loan disclosure requirements and same day closings.. Mortgage loans in the last few years have undergone major government scrutiny. With the passage of Dodd Frank Financial Reform Act, the government changed the way loans are disclosed to borrowers.. 1) All applicants...

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