Mortgage101

How to buy a house with no money for the down payment. USDA Rural Development offers a qualified borrower to buy a house in the approved lending area at 100% financing.

Who does the USDA home loan purchase program in Nevada?

here is the link to view with video https://youtu.be/rBYnxcWGhdk

Learn more about the USDA purchase program in Nevada by watching the full video. There are approved lending areas in Nevada where the USDA home loan Rural Development program will lend on an existing property with no money for the down payment.

here is the link to verify the property is in the approved lending area - https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do?pageAction=sfp

check today's USDA home loan rate here - www.FastandEasyQuote.com

 

I Welcome the Opportunity to Assist you with an FHA, VA, USDA, Conventional or a Jumbo Purchase or Refinance Home Loan. I look forward in hearing from you,

Nathan Rufty

Mortgage Loan Originator

Call or Text: 909-503-5600 eFax: 888-837-2861 NMLS #292056 - AZ - CA - NV - UT [email protected] www.NathanRufty.com www.FastandEasyQuote.com

How to buy a house in California, Arizona, Utah or Nevada without a down payment on the USDA home loan program. The USDA-RD purchase program offers a no down payment loan program to qualified buyers that meet the debt to income ratio, income and credit requirements.   This is not limited to first time homebuyers but a perfect loan program for the first time home buyer looking for homeownership in the approved USDA lending areas.   here is the video link to locate the approved lending areas: https://www.youtube.com/watch?v=vdCBGpPV198   Please call, text or email me with any questions,  Nathan Rufty Mortgage Loan Originator 

Call or Text: 909-503-5600

eFax: 888-837-2861 AZ, CA & UT NMLS #292056 [email protected] www.NathanRufty.com Check Out Our Rates

Privacy: This email may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses

California, Arizona and Utah on how Can I Buy a House Without Putting any Money for the Down Payment. The USDA home loan program offers a 100% financing of the purchase price, no money required for the down payment.

 

To find the available lending areas watch this video here: https://youtu.be/vdCBGpPV198

Check today's USDA home loan mortgage rates on this site: www.FastandEayQuote.com

 

Please call, text or email me with any questions,  Nathan Rufty Mortgage Loan Originator 

Call or Text: 909-503-5600

eFax: 888-837-2861 AZ, CA & UT NMLS #292056 [email protected] www.NathanRufty.com Check Out Our Rates

Privacy: This email may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses

California, Utah or Arizona required for a down payment to buy a house with FHA, VA, USDA or Conventional (Fannie Mae or Freddie Mac)?

Looking to buy a house and need to know what the down payment requirements are, this podcast will let you know the minimum required percentage amount.

Here are other great videos to watch as well, Learn more about the USDA loan program with this video link https://youtu.be/rFXkaMBc858

All four programs are explained here: https://youtu.be/X6HV48fK4IU

VA home loan program video: https://youtu.be/030Vzk9GGrU

Check today's mortgage interest here: www.FastandEasyQuote.com 

Please call, text or email me with any questions,  Nathan Rufty Mortgage Loan Originator  Call or Text: 909-503-5600 eFax: 888-837-2861 AZ, CA & UT NMLS #292056 [email protected] www.NathanRufty.com Check Out Our Rates Privacy: This email may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses

 

Arizona, California, Utah no money down payment purchase home loan program known as the USDA RD Program. You, if qualified and eligible to buy a house on the USDA purchase loan with no required down payment.

 

Listen to the whole podcast to learn more about the USDA program in California, Arizona and Utah, also below are some great links to find the eligible lending areas.

 

USDA video explained link here: https://youtu.be/vdCBGpPV198

Steps on buying a house: Step 1 of 3 = https://youtu.be/0duPzia1Ez4

Other loan programs if not the USDA: https://youtu.be/X6HV48fK4IU

Check USDA home loan interest rate here: www.FastandEasyQuote.com

 

Please call, text or email me with any questions,  Nathan Rufty Mortgage Loan Originator 

Call or Text: 909-503-5600

eFax: 888-837-2861 AZ, CA & UT NMLS #292056 [email protected] www.NathanRufty.com   Privacy: This email may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses

 

Buying a House In California, Arizona or Utah, know which home loan program is right for you when buying.

This podcast will review the income, debt ratio and down payment on the FHA, USDA, VA and Conventional (Fannie Mae or Freddie Mac).

Want to buy a house and do not know which program is best for your financial situation, listen to the entire podcast, call me and we can discuss program further. 

 

Please call, text or email me with any questions,  Nathan Rufty Mortgage Loan Originator 

Call or Text: 909-503-5600

eFax: 888-837-2861 AZ, CA & UT NMLS #292056 [email protected] www.NathanRufty.com Check Out Our Rates

Privacy: This email may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses

How much money do I need to buy a house, this podcast and the video link below will go through the steps on where the verifiable funds can come from to purchase or refinance a house.

Any assets to be used to qualify for a home loan must be verified monthly statements (all pages) with two months or quarterly statement from checking, savings, stocks, bonds, IRAs, 401K, Retirement plan, Gift funds, Money Market, Mutual Funds and many other.

 

Call me and let's discuss your asset paper trail 

here are the two other podcast links below in the series

Podcast #1 Credit: https://www.podbean.com/ew/pb-8rm7h-1303552

Podcast #2 Income: https://www.podbean.com/ew/pb-6ydna-1303555

Video on what the cost to buy a house https://www.youtube.com/watch?v=kJcwb86hKC0

 

Nathan Rufty Mortgage Loan Originator 

Call or Text: 909-503-5600

eFax: 888-837-2861 AZ, CA & UT NMLS #292056 [email protected] www.NathanRufty.com Check Out Our Rates

Privacy: This email may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses

 

 

What income do I need to qualify for a home loan with VA, FHA, USDA and Conventional (Fannie Mae or Freddie Mac). Any income to be used to purchase or refinance a home needs to be able to be verified with proper documentation such as: Paystubs, W2s, completed and filed Federal Returns Tax, Award statements, Pension statement, Alimony and Child Support income. There are many others types of income you may receive that will need to be verifiable. 

 

Can not be stated income, all income must be verifiable that will be used to qualify for the home loan. 

Call me and let's discuss your income situation 

Here are the other two podcast below in the series 

Podcast #1 Credit: https://www.podbean.com/ew/pb-8rm7h-1303552

Podcast #3 Assest: https://www.podbean.com/ew/pb-8fwxt-1303558

 

Please call, text or email me with any questions,  Nathan Rufty Mortgage Loan Originator 

Call or Text: 909-503-5600

eFax: 888-837-2861 AZ, CA & UT NMLS #292056 [email protected] www.NathanRufty.com Check Out Our Rates

Privacy: This email may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses

There are two parts to determine your credit rating, the mortgage credit score and what is in the body of the report such as bankruptcy, collections, judgements, foreclosure, how may open trade lines, payment history.

You may have lendable credit scores but what is the body of the credit report may hinder your ability to obtain a home loan.

Credit is everything in the lending industry, need to review your mortgage related credit report and see what needs to be addressed if anything at all to improve your all over credit profile.

Call me and let's discuss your credit profile.

Here are the other two podcast below in the series 

Podcast #2 Income: https://www.podbean.com/ew/pb-6ydna-1303555

Podcast #3 Assets: https://www.podbean.com/ew/pb-8fwxt-1303558

Nathan Rufty  Mortgage Loan Originator 

Call or Text: 909-503-5600

eFax: 888-837-2861 AZ, CA & UT NMLS #292056 [email protected] www.NathanRufty.com Check Out Our Rates

Privacy: This email may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses

 

Should I Buy a House in Utah in 2022? It does not hurt to explore your options to buy a house, you will be informed on your purchasing power or if not in the position to buy then you will at least know what yo do in terms of income, credit and assets to be in the position to buy in Utah at a later date.

Check out the USDA home loan program with the video here. https://www.youtube.com/watch?v=SN9qzN71j6U

The Usda loan program in Utah is a great no money down payment purchase home loan.

 

Please call, text or email me with any questions,  Nathan Rufty Mortgage Loan Originator  Call or Text: 909-503-5600 eFax: 888-837-2861 AZ, CA & UT NMLS #292056 [email protected] www.NathanRufty.com check rate HERE Privacy: This email may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses