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Stated Income and Investor Loans

Check out our new Investor Cash Flow Program – No Tax Returns Required! This product is very similar to the “No-Doc” programs of the past.  Purchase investment property with 25% down.  Personal income and debt to income ratios are not considered as long as the carrying costs on the property (Principal, Interest, HOA, Taxes and […]

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Real Estate Financial is the leader in Stated Income and Asset Based Lending

Real Estate Financial is still offering Stated Income Jumbo loans with rates in the high 3’s to low 4’s.  This is the perfect product for individuals with considerable assets whose tax returns may not support their actual income.  This is most useful for self-employed individuals, retirees or anyone who may have non-W2 income.   The maximum loan to value […]

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Stated Income Jumbo Loans to 70% Loan to Value

Real Estate Financial is now offering Stated Income and Bank Statement Income loans up to 70% loan to value.  This is the perfect product for self employed borrowers who have significant assets but show little income.  Contact Chad VonHoven for more information on this product.    

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Stated Income Loans are Back!

For those self-employed borrowers looking for homes in the jumbo market (>417K), Real Estate Financial can now offer a stated income jumbo product in Georgia..  Unfortunately, this product is not available on conforming loan amounts due to Qualified Mortgage rules. Contact Chad VonHoven at Real Estate Financial for more information.

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Mortgage Lenders Are Shifting Away From Short Sales

“After a surge in short sales in late 2011 and early 2012, the favored disposition method for distressed properties is shifting back toward the more traditional foreclosure auction sales and bank-owned sales,” said Daren Blomquist, vice president at RealtyTrac. “The combination of rapidly rising home prices – along with strong demand from institutional investors and […]

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Home sales in Alpharetta, Johns Creek, Suwanee and the rest of North Atlanta are booming.

Pending home sales in the Metro Atlanta area jumped to the highest level in more than six years. Demand for homes in many North Atlanta neighborhoods is so high that the average time on the market for new listing is well under a week.  Since early May,  30 year fixed rates have shot up to the mid 4’s, but since […]

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Home Affordable Refinance Program

HARP is designed specifically to help borrowers who may be ineligible for traditional refinancing due to loss of home value or because they have little (or no) equity. Like other refinancing options, with HARP you receive a completely new mortgage with new terms, interest rates and monthly payments. The new loan completely replaces your current […]

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As Treasury yields go, so go mortgage rates

Rates are heading back up, if you haven’t locked in a rate in the 4’s you are about to miss the boat.  NEW YORK (CNNMoney) — Treasury yields have been climbing higher since fall 2010, as the economy begins to show signs of improvement. As a result, mortgage rates have been moving higher as well. […]

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Today’s average rates

Avarage rates for Feb 10th: 30yr 4.875%, 20yr 4.75%, 15yr 4.250. Go to www.refga.com to calculate your savings!

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Mortgage rates are benefitting from trouble in Egypt

On Friday, it was very clear that global investors shed risky assets like Stocks, and fled into the safe haven of the US Dollar and US Bond market, helping Bond prices improve.  The situation in Egypt is far from over, and it would not surprise us to see prices improve from current levels and remain […]

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