Mortgage News: Robert Krowel 8 steps to Buying a home

Mortgage News: Robert Krowel 8 steps to Buying a home: I am sure you a lot of you have heard the news about how difficult it is to buy a home. it could be quite intimidating.  Hi! My name is...

Robert Krowel 8 steps to Buying a home

I am sure you a lot of you have heard the news about how difficult it is to buy a home. it could be quite intimidating. 

Hi! My name is Robert Krowel. I have been in the Mortgage business almost 18 years now. i have seen the highs and lows of the ,market. What i can tell you is that it all depends on the people you have doing your transaction. You need a well educated Realtor that can properly negotiate your transaction and always have your best interest first. You also need a person that is going to fight for you on the loan side. This is my job. I have gotten every transaction done in the last 4 years now. My team and I know how to properly get the transactions completed. 

  

• Step 1: Check Your Credit Report & Score. ... 
• Step 2: Figure out How Much You Can Afford. ... 
• Step 3: Find the Right Lender and Real Estate Agent. ...
• Step 4: Look for the Right Home. ...
• Step 5: Make an Offer on the Home. ...
• Step 6: Get the Right Mortgage for Your Situation. ...
• Step 7: Close on Your Home. ...
• Step 8: Move In!

Please give Robert Krowel a call so we can get you into the right mortgage for your situation. 

Robert Krowel Post

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Mortgage News: Robert Krowel Mortgage

Mortgage News: Robert Krowel Mortgage: Mortgage Rates Slightly Higher Ahead of Fed Minutes Decrease Font Size Text Increase Font Size Aug 16 2016, 2:59PM Mortgage ...

Mortgage News: Robert Krowel Mortgage News Building Wealth!

Mortgage News: Robert Krowel Mortgage News Building Wealth!: Today is the day to refinance your current mortgage. We are at record low's on interest rates. The people that are saving money are ...

Robert Krowel Mortgage News Building Wealth!

Today is the day to refinance your current mortgage. We are at record low's on interest rates. The people that are saving money are the losers in today's market. Money in a savings account is doing nothing for you. With interest Rates this low and with the amount of Tax benefits that comes with paying a mortgage, its the best time to either refinance or buy a home.

Its time to build wealth. How do we build wealth? I have built what I have now by buying 1 lot. selling it and buying another parcel. I then started buying small homes and flipping them. The best way to build wealth is Real Estate. Yes their is a cost to doing business, but with the amount of wealth that can be established with Real Estate. the benefit out ways the negative.

Call me and I will guide you into buying a new home or refinancing your home and building wealth. The time is now and their is no better time.

Robert Krowel
951.756.3748
www.robertkrowel.com

Robert Krowel Mortgage News Building Wealth!

Today is the day to refinance your current mortgage. We are at record low's on interest rates. The people that are saving money are the losers in today's market. Money in a savings account is doing nothing for you. With interest Rates this low and with the amount of Tax benefits that comes with paying a mortgage, its the best time to either refinance or buy a home.

Its time to build wealth. How do we build wealth? I have built what I have now by buying 1 lot. selling it and buying another parcel. I then started buying small homes and flipping them. The best way to build wealth is Real Estate. Yes their is a cost to doing business, but with the amount of wealth that can be established with Real Estate. the benefit out ways the negative.

Call me and I will guide you into buying a new home or refinancing your home and building wealth. The time is now and their is no better time.

Robert Krowel
951.756.3748
www.robertkrowel.com

Mortgage News: Mortgage News: This was a few questions about mark...

Mortgage News: Mortgage News: This was a few questions about mark...: Mortgage News: This was a few questions about marketing that i wa... : This was a few questions about marketing that i was asked recently at...

Mortgage News: This was a few questions about marketing that i wa...

Mortgage News: This was a few questions about marketing that i wa...: This was a few questions about marketing that i was asked recently at a office. Tell us about your most creative or successful marketin...

This was a few questions about marketing that i was asked recently at a office.

Tell us about your most creative or successful marketing strategy. How did you come up with the idea? What were the results?

There is no one creative marketing strategy that contributes to my overall success. My brand and my business are built on relationships that are grown through a genuine care and concern for my partners. While I do share what my company has to offer, when I am "boots on the ground" with my agents and builders we spend more time relating on a personal level. This is just who I am as a person; this was not a strategy that I crafted. There is no way to fake this kind of authenticity. I believe that my referral partners appreciate this approach to business and have a positive reaction. The results speak for themselves.

Tell us about an unusual or difficult loan scenario and what you did to ensure a successful closing.

During a new construction loan, the borrower's credit report expired. Approximately 30 days prior to closing I pulled an updated credit report. The new credit report showed significant new derogatory items. The credit score had plummeted and the borrower no longer qualified for the loan. This situation left my builder with a nearly completed custom home with no buyer and my client with nowhere to live in approximately 30 days. I spent a significant amount of time with the borrower evaluating the changes from the old report to the new report. Armed with a properly evaluated credit profile, we were able to work with the borrower to take action on a rapid rescore. The credit score moved back to an acceptable level for loan approval and the loan closed on time.

Mortgage News: Mortgage News: Mortgage News

Mortgage News: Mortgage News: Mortgage News: Mortgage News: Mortgage News : Low down payment: Mortgage insurance Qualified borrowers can make down payments as low as 3% with private mor...

Mortgage News: Mortgage News

Mortgage News: Mortgage News: Low down payment: Mortgage insurance Qualified borrowers can make down payments as low as 3% with private mortgage insurance, or PMI. For mo...

Mortgage News: Mortgage News: 0 % Down Payment Loan VA

Mortgage News: Mortgage News: 0 % Down Payment Loan VA: Mortgage News: 0 % Down Payment Loan VA : No down payment: VA loan The VA guarantees purchase mortgages with  no required down payment  fo...

Mortgage News: Mortgage News: 0 % Down Payment Loan VA

Mortgage News: Mortgage News: 0 % Down Payment Loan VA: Mortgage News: 0 % Down Payment Loan VA : No down payment: VA loan The VA guarantees purchase mortgages with  no required down payment  fo...

Mortgage News: 0 % Down Payment Loan VA

Mortgage News: 0 % Down Payment Loan VA: No down payment: VA loan The VA guarantees purchase mortgages with  no required down payment  for qualified veterans, active-duty service...

Mortgage News

Low down payment: Mortgage insurance

Qualified borrowers can make down payments as low as 3% with private mortgage insurance, or PMI. For most borrowers, PMI costs less than FHA mortgage insurance. But PMI has stricter credit requirements.

PMI has another edge over FHA: Once your mortgage balance is under 80% of the home's value, you can cancel PMI. You can't get rid of FHA insurance unless you refinance into a non-FHA l

For more details please call Robert Krowel at 951.756.3748

0% Down Mortgage Loans

No down payment: USDA

The USDA's Rural Development mortgage guarantee program is so popular that it has been known to run out of money before the end of the fiscal year.
"That's the cat's meow, my favorite loan program," says Jeff Tufford, mortgage consultant for Epic Mortgage Group in Grand Blanc, Michigan.
Some borrowers are surprised to find that Rural Development loans aren't confined to farmland.
"It's not all rural," Tufford says.
The USDA has maps on its website that highlight eligible areas. In addition to geographical limits, the USDA program has restrictions on household income, and it is intended for first-time buyers, although there are exceptions.
The USDA mortgage comes from a bank, and there is no mortgage insurance. Instead, the USDA levies a 2% upfront guarantee fee, which can be rolled into the loan amount, and an annual guarantee fee of 0.5% of the loan balance.

Go to www.icitymortgage.com/Robertkrowel

0 % Down Payment Loan VA

No down payment: VA loan

The VA guarantees purchase mortgages with no required down payment for qualified veterans, active-duty service members and certain members of the National Guard and Reserves. Private lenders originate VA loans, which the VA guarantees. There is no mortgage insurance. The borrower pays a funding fee, which can be rolled into the loan amount.

For purchase and construction loans, the VA funding fee varies, depending on the size of the down payment, whether the borrower served or serves in the regular military or in the Reserves or National Guard, and whether it's the veteran's first VA loan or a subsequent loan. The funding fee can be as low as 1.25% or as high as 3.3%.

For 1st-time purchasers making no down payment, the funding fee is 2.15% for members or veterans of the regulator military, and 2.4% for those who qualify through service in the Reserves or National Guard.

Please go to www.icitymortgage.com/robertkrowel