FHA -NewDominionFinancial.pptx
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This document provides information about FHA loan options. It discusses the background of the author and company. An FHA loan is described as a mortgage loan guaranteed by HUD that requires a low 3.5% down payment and has relatively lenient credit requirements. Key details are provided about FHA purchase loans, including acceptable credit scores and loan-to-value ratios. Additional FHA products discussed include 203k renovation loans, down payment assistance, and loans for foreclosed properties. Pros and cons of the different FHA options are outlined. The document concludes with tips for attracting more buyers to FHA loans.
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The document discusses upcoming changes to FHA loan requirements and guidelines. Key points include:
1) The monthly mortgage insurance premium for FHA loans will increase starting in October, requiring borrowers to have more monthly income to qualify.
2) The maximum seller contribution allowed towards closing costs and concessions will be reduced from 6% to 3% of the home's value.
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The document discusses upcoming changes to FHA loan requirements and guidelines. Key points include:
1) The monthly mortgage insurance premium for FHA loans will increase in October from a maximum of 0.55% annually to 0.90% annually, requiring more monthly income to qualify.
2) Maximum seller contributions will be reduced from 6% to 3% of the home's value, meaning buyers may need to provide more cash for closing.
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2) Maximum seller contributions will be reduced from 6% to 3% of the home's value, meaning buyers may need to provide more cash for closing.
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1) The monthly mortgage insurance premium for FHA loans will increase in October from a maximum of 0.55% annually to 0.90% annually, requiring more monthly income to qualify.
2) Maximum seller contributions will be reduced from 6% to 3% of the home's value, meaning buyers may need to provide more cash for closing.
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8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
原版制作(Greenwich毕业证书)格林威治大学毕业证PDF成绩单一模一样
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6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
House Construction Cost in Haldwani
If you're Planning to Build a House in Haldwani, Understanding the House Construction Cost in Haldwani is crucial. It's important to grasp the direct and indirect cost factors entailed in the Construction process before Initiating any work. This Understanding is pivotal for Efficient Budget allocation, allowing you to plan your finances more Effectively. Construction expenses can vary Significantly, Influenced by Diverse Elements such as site Location, raw material prices, Labour charges, and various other variables. Here at Geomatrix, we pride Ourselves on offering competitive rates for house construction in Haldwani, ensuring affordability without Compromising on quality and providing the best options within your budget. For a precise evaluation of the cost involved in constructing your dream home, consult our team of architects and construction experts.
For more information visit:
https://geomatrix.co.in/services/real-estate-project-management-in-haldwani/
The KA Housing - Catalogue - Listing Turkey
Welcome to KA Housing, a distinguished real estate development nestled in the heart of Eyüpsultan, one of Istanbul’s most promising districts.
Just 10 minutes from the bustling city center, Eyüpsultan offers a serene escape with the convenience of urban living. The direct metro line ensures seamless connectivity to all parts of Istanbul, making it an ideal location for residents who seek both tranquility and vibrancy.
KA Housing boasts unparalleled accessibility, with proximity to Istanbul Airport only 30 minutes away, facilitating easy international travel. Effortless city access is guaranteed by direct metro and transportation links to Istanbul’s cultural and commercial hubs. Quick access to key metro lines connects you to every corner of the city within minutes, making commuting and exploring the city hassle-free.
The development offers luxurious living spaces with a range of unit layouts from 1+1 to 4+1, designed with meticulous attention to detail. Each unit features balconies or terraces, providing stunning vistas of Istanbul and enhancing the living experience. High-quality materials and superior craftsmanship ensure durability and elegance, while sound-proof insulation and high ceilings (2.95 m) offer comfort and sophistication.
Residents of KA Housing enjoy exclusive on-site amenities, including a state-of-the-art gym, outdoor swimming pool, yoga area, and walking paths. Entertainment options abound with a private cinema, children’s playground, and a variety of dining options including a café and restaurant. Security and convenience are paramount with 24/7 security, a dedicated carpark garage, and an IP intercom system.
KA Housing represents a prime investment opportunity with limited availability in a high-demand area, ensuring enduring value and potential for lucrative returns. Homes in this development provide exceptional value without compromising on quality, offering affordable luxury for discerning buyers. The construction is of the highest quality, built to the latest seismic and disaster resistance standards, ensuring safety and resilience.
The community and surroundings of KA Housing are enriched by close proximity to prestigious universities such as Haliç University, Bilgi University, and Istanbul Ticaret University, making it an ideal location for students and academics. The development is adjacent to the Alibeyköy stream leading into the Halic waters, offering serene natural escapes amidst lush greenery. Residents can enjoy the cultural richness of the area, surrounded by historical and cultural landmarks that blend leisure, nature, and culture seamlessly.
https://listingturkey.com/property/the-ka-housing/
Sense Levent Kagithane Catalog - Listing Turkey
Sense Levent offers a luxurious living experience in the heart of Istanbul’s vibrant Levent district.
This cutting-edge development seamlessly integrates modern design with natural elements, featuring live evergreen plants maintained by an advanced irrigation system, ensuring lush greenery year-round.
The building’s elegant ceramic balconies are both stylish and durable, enhancing the overall aesthetic and functionality. Residents can enjoy the 700m Sky Lounge, which provides breathtaking views of Istanbul and a perfect space to relax and unwind.
Sense Levent promotes a healthy and active lifestyle with a full gym, swimming pool, sauna, and steam room, all available in the building. The interiors are crafted with high-quality materials, ensuring a luxurious and inviting living space.
Designed with young professionals in mind, Sense Levent features 1+1 and 2+1 units with smart floor plans and balconies. The project promises high investment returns, with an expected annual return of 6.5-7%, significantly above Istanbul’s average ROI.
Located in the rapidly growing and highly desirable Levent area, the development benefits from ongoing urban regeneration projects. Its prime location offers proximity to shopping malls, municipal buildings, universities, and public transportation, adding immense value to your investment.
Early investors can take advantage of discounted units during the construction phase, with an expected capital appreciation of +45% USD upon completion. Property Turkey provides comprehensive rental management services, ensuring a seamless and profitable investment experience.
Additionally, robust legal support and significant tax advantages are available through Property Turkey’s licensed Real Estate Investment Fund. Levent is a dynamic urban hub, ideal for young professionals with its numerous corporate headquarters and shopping malls.
Sense Levent is more than just a residence; it’s a place where dreams and opportunities come to life. Contact us today to secure your place in this exclusive development and experience the best of Istanbul living. Sense Levent: Sense the Opportunity. Live the Dream.
https://listingturkey.com/property/sense-levent/
Gurgaon Industrial Business Association.pdf
Presentation of Industrial Land for development of various business opportunities
AVRUPA KONUTLARI ESENTEPE - ENGLISH - Listing Turkey
Looking for a new home in Istanbul? Look no further than Avrupa Konutlari Esentepe! Our beautifully designed homes provide the perfect blend of luxury and comfort, making them the perfect choice for anyone looking for a high-quality home in the city.
With a wide range of apartment types available, from 1+1 to 4+1, we have something to suit every need and budget. Each apartment is designed with attention to detail and features spacious and bright living areas, making them the perfect place to relax and unwind after a long day.
One of the things that sets Avrupa Konutlari Esentepe apart from other developments is our focus on creating a community that is both comfortable and convenient. Our homes are surrounded by lush green spaces, perfect for enjoying a peaceful stroll or having a picnic with friends and family. Additionally, our complex includes a variety of social and recreational amenities, such as swimming pools, sports fields, and playgrounds, making it easy for residents to stay active and socialize with their neighbors.
https://listingturkey.com/property/avrupa-konutlari-esentepe/
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FHA -NewDominionFinancial.pptx
- 1. FHA Loans By: Adam Stempin New Dominion Financial
- 2. Background on Me *Husband & Father of 3 *Baseball coach *Enterperner *Love being a resource Bankground on our company *In business for over 15 years *Broker (partner with over 20+ lenders) *Local Virginia company
- 4. What is an FHA Loan? An FHA loan is a mortgage loan option for U.S. home buyers. It is guaranteed by the Federal Housing Administration, an agency of the Department of Housing and Urban Development, and issued by FHA-approved lenders across the country. FHA loans are well known for their affordability – namely their 3.5% percent down payment and relatively lenient credit requirements. According to HUD, the FHA has insured more than 47 million mortgage loans since its inception in 1934.
- 6. FHA PURCHASE Highlights FICO scores as low as 500, up to 90% LTV FICO scores as low as 580, up to 96.5% LTV Owner-occupied properties only Up to 30-year fixed rate term Down payments as low as 3.5% with qualifying credit 100% gift funds may be used for down payment and closing costs No prepayment penalties Non-occupant co-borrowers are acceptable
- 7. FHA Products 203k Renovation loan DPA (down payment assistance) 3.5% 203B (normal FHA as we know it) HUD $100 Forclosure
- 8. FHA 3.5% Plus Most forgiving loan for credit Can purchase in chapter 13 bankruptcy Gift funds are allow for down payment Non occupant coborrower allowed Mobile homes allowed Only require 12 month primary home Minus Upfront mortgage insurance Appraisal stays w/ property(6mo) Seller think might not close with FHA loan Appraisal items have to be corrected before closing
- 9. DPA Plus 100% financing Forgivable 2nd mortgage Don’t have be 1st time buyer Minus Only par rate is available has to be borrow paid Higher score requirements
- 10. 203k Renovantion Plus Finance repair and still only have 3.5% down Appraised on future repaired value Gives more choices with limited inventory Minus Time line is longer Rely on Contractors No DYI Might have to hire a HUD consultant
- 11. How to attact more buyer with FHA Have designed conversations Do Open Houses in the arean Real Estate is the fastest way to build wealth Renter are throwing away money Credit repair, how to save, first time buyer workshops Millenials are 46% of home purchasers right now 60% of people want someone to lead them Diamond Success Plan
- 12. Get better, not bitter Thanks
Editor's Notes
- Welcome to our 10-part series on Financial and Real Estate StorySelling! Each of the 10-parts is available as a stand-alone course and is approved for continuing education (CE) credits in over 20 states. These courses are also approved for CPA and Certified Financial Planner (CFP) continuing education credit in all 50 states. As for the real estate CE, depending on the laws of your state (for example in WA or GA), you may need to attend 3 webinars to receive your CE credits because the minimum course time in those states is 3 hours. In those cases, this is simply part 1 of a 3-part CE course. In any case, if you attend all 10 webinars, you’ll receive the “Certified StorySeller” certificate. That’s because each webinar, while containing stand-alone content, builds on the concepts covered in the previous webinar. The goal of this 10-part series is to help you use the power of financial and real estate StorySelling to benefit clients and strategically grow your business!
- An effective loan consultation provides clear next steps Get Better not Bitter It’s time to have honest conversations Working on good faith Don’t assume, Ask for the business “is there anything that would prevent you from using me as your lender” Conversation by design, say it the same way every time Prospect Vs Lead Prospect is shopping Lead has raised their hand and said YES, I’m ready for the next step Learn what all their questions are first Avoid getting off track Get ALL their questions before you answer Touch the Lead, Touch the Partner