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Randy Free's Blog

3% Conventional or 3.5% government FHA loan?
Updated Oct. 24, 2014
A 3% down conventional purchase loan is preferable over a more expensive government FHA loan, as long as you have the credit score, income and assets to qualify. With a 3% conventional loan, you will need a minimum credit score of 680. Improved guidelines are available because we have "platinum" status with a...
Timing is everything
Updated Oct. 9, 2013
WITH THE VOLATILITY IN TODAY'S MARKET, TIMING IS EVERYTHING Did you know the secondary market is used by almost all mortgage companies? This allows mortgage companies the liquidity to loan money time and time again. This means that almost every mortgage is priced from the same wholesale source. Also, did...
Updated Oct. 9, 2013
FANNIE MAE'S HOMEPATH PROGRAM HIGHLIGHTS. Have you ever considered Fannie Mae's HomePath Mortgage? Opes Advisors offers this fantastic loan program with underwriting right here in Eugene. With local underwriting and limited property conditions, closings these programs can be super fast! Some...
Advance Interest Rate Lock
Updated Feb. 13, 2014
In a volatile rate environment, borrowers need an edge with options, expertise, and personalized service to help them make the best financial decision on their home loan.We can help with new rate lock options:. Lock and Shop: Lock in a mortgage interest rate for up to 90 days while clientsshop for a home.. Builder...
Buy For Your Child In College
Updated Feb. 13, 2014
The benefits make buying a second home for your child away at college a good decision. Now it's time to arrange financing. I can help.We offer an alternative to traditional second home financing:Purchase and refinance transactions up to $417,000A variety of Fixed and ARM loan termsLess restrictive...

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