Rural Living News

How Georgia Homeowners Can benefit from the New Home Loan Programs

How Georgia Homeowners Can benefit from the New Home Loan Programs

The Federal Making Home Affordable Program has created a number of home loan programs that will help keep Georgia families in their homes, stabilize Georgia’s communities and assist Georgia homebuyers during these troubled times. Under these new home loan plans, Georgia homeowners can:

• Refinance their mortgage to a new, lower, fixed interest rate.
• Refinance even with declining property values.
• Refinance with lower income and asset verification requirements.
• Refinance Multiple Investment Properties.

Each of the above possibilities require that Georgia Homeowners be current on their existing home loans. However, for those Georgia families that have already fallen into hard times and are behind on, going to be behind on, or have an impending ARM adjustment/balloon payment with, their existing home loans can;

• Obtain a modification on your mortgage that can potentially reduce your monthly payment, or offer other alternatives that can help you keep your home.

Finally, for those Georgia families that are looking to purchase their first new home, or even upgrade their current home, programs are available for them to;

• Purchase beautiful Georgia homes with credit scores as low as 580
• Purchase their new dream home with no out-of-pocket money down

The U.S. Treasury, Fannie Mae and Freddie Mac have developed these programs in an effort to help both troubled and current Georgia borrowers, to get back on track and improve their current financial situations.

So How Do They Work? Refinance

For Georgia Homeowners that are current on their mortgage payments but unable to refinance because their home value has decreased, you may be able to refinance to a lower rate, or a lower-risk, loan through the refinance solution that is part of this program. Examples of how the refinance program can help Georgia Homeowners:

• Fixed-rate mortgage to fixed-rate mortgage
• Adjustable-rate mortgage (ARM) to fixed-rate mortgage
• Super conforming fixed-rate mortgage to super conforming fixed-rate mortgage

Loan Modification

For Georgia homeowners who are behind in their mortgage payments, in the foreclosure process, or are current on their payments but have recently experienced a significant hardship, you may be able to modify your loan to a lower rate through the Loan Modification Program. Significant hardships are set as circumstances that may make it difficult for you to pay your mortgage going forward.

Purchase

For Georgia area families and individuals that are in search of a loan for their new dream home, financing and programs are available to help them purchase;

• Bank owned foreclosures at below market value
• With 580 credit scores
• With no, or little, money down
• With down payment assistance

How Do I Know If I Qualify?

Georgia Loan Pro can help you move through the qualification process, and help you find the homeowner lending program that fits you best. Georgia Loan Pro will work with Georgia Homeowners to assist them in putting together the best purchasing package, and discover whether loan modification or a refinance, is the best option for them.

For more information, please contact Georgia Loan Pros via email.

About the Author

Georgia Loan Pro is making homes affordable for individuals and families through our the South. We are offering assistance to homewoners, and buyers, in

• Georgia
• Mississippi
• South Carolina
• Florida
• Alabama

We are a direct lender offering a full range of products for you, or your customer’s, financial needs.
Georgia Loan Pro
offers clients the ability to purchase, or refinance, their homes using a variety of loan products such as;

• FHA Loans
• Conventional Loans
• Jumbo Loans
• VA Loans
• USDA/Rural Development Loans
• Reverse mortgages
• Construction to Perm

And, with 11 years in business, we have helped thousands of families, and individuals, realize their dream of homeownership. For more information on how
Georgia Loan Pro
can help you, or to
prequalify
for your new home, please contact us at 706-215-1894 or
email us
. We look forward to helping you into your new home.

Washington State USDA Home Loan Program | Zero Down Granite Falls, WA

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Decoding the New Mortgage Market: Insider Secrets for Getting the Best Loan Without Getting Ripped Off $0.99 You don’t have to join the crowd and give up on the dream of home ownership. With purchase prices staying remarkably low, it’s a great time to buy a house. Yet thanks to the recent financial crisis and lingering credit crunch, it’s much tougher to find and qualify for a manageable mortgage loan. Decoding the New Mortgage Market is an invaluable insider’s guide to finding the best and most realistic mortgage deals while avoiding the minefields. A respected industry expert and a veteran loan officer, David Reed tells you everything you need to know to make your dream a reality, without risking default or foreclosure. Inside, you’ll learn the latest, critical information about: • Underwriting changes that affect Fannie, Freddie, and everyone shopping for a “conventional” loan • New rules that make it easier to qualify for FHA and VA loans . . . and the “new” government zero-down: USDA loans • New regulations and loan disclosure requirements for mortgage lenders and mort­gages that actually work in the borrower’s favor • Choosing the best loan officer and comparing available options to find the right mortgage program • Finding down-payment money through nontraditional sources, including nonprofit agencies, bond programs, and equity transfers • Overcoming credit issues, including bankruptcy • New opportunities for saving big on closing costs and other fees David Reed is the author of many books, including Mortgages 101 and Mortgage Confidential. As a senior loan analyst, he has closed more than 2,000 mortgage loans. He is a longtime columnist for Realty Times and lives in Austin, Texas.

Decoding the New Mortgage Market: Insider Secrets for Getting the Best Loan Without Getting Ripped Off $17.95 You don’t have to join the crowd and give up on the dream of home ownership. With purchase prices staying remarkably low, it’s a great time to buy a house. Yet thanks to the recent financial crisis and lingering credit crunch, it’s much tougher to find and qualify for a manageable mortgage loan. Decoding the New Mortgage Market is an invaluable insider’s guide to finding the best and most realistic mortgage deals while avoiding the minefields. A respected industry expert and a veteran loan officer, David Reed tells you everything you need to know to make your dream a reality, without risking default or foreclosure. Inside, you’ll learn the latest, critical information about: • Underwriting changes that affect Fannie, Freddie, and everyone shopping for a “conventional” loan • New rules that make it easier to qualify for FHA and VA loans . . . and the “new” government zero-down: USDA loans • New regulations and loan disclosure requirements for mortgage lenders and mort­gages that actually work in the borrower’s favor • Choosing the best loan officer and comparing available options to find the right mortgage program • Finding down-payment money through nontraditional sources, including nonprofit agencies, bond programs, and equity transfers • Overcoming credit issues, including bankruptcy • New opportunities for saving big on closing costs and other fees David Reed is the author of many books, including Mortgages 101 and Mortgage Confidential. As a senior loan analyst, he has closed more than 2,000 mortgage loans. He is a longtime columnist for Realty Times and lives in Austin, Texas.