Superior Rural Housing
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This document summarizes a presentation about a rural housing program with no down payment, mortgage insurance, or reserve requirements and flexible loan terms. It outlines the program overview with 15 points about eligibility. It then discusses property qualification areas in Atlantic County and borrower qualification income limits. The agenda closes with contact information for questions.
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This document provides an overview of mortgages and the mortgage lending process. It discusses different types of mortgages and mortgage products like FHA, VA, conventional, USDA, and MMP loans. It outlines eligibility requirements, terms, and guidelines for each product. It also addresses common myths and misconceptions about these products. The document is intended to educate real estate professionals about mortgage options so they can help buyers and sellers understand their financing choices.
Ams Rural Housing
The document discusses the AMS Rural Housing program which provides 102% financing through USDA Rural Development for qualifying borrowers looking to purchase single-family homes. Through the Guaranteed Rural Housing loan, borrowers can finance their entire home purchase including closing costs and prepaids with no down payment required. The program offers benefits like lower monthly payments than FHA loans and has 15 basic rules for borrower eligibility, debt-to-income ratios, credit scores, and documentation of cash to close.
All Products - Partner
This document summarizes various loan programs offered by New Penn Financial including:
- Agency programs like conventional loans up to 97% LTV, FHA loans with minimum 3.5% down, VA and USDA loans with 100% financing.
- Portfolio programs such as Jumbo Advantage loans up to $2 million with various LTV limits, Home Buyer Power program for first time buyers with debt-to-income up to 55%, and Home Key loans to help borrowers recovering from credit events with debt-to-income up to 50%.
- It encourages calling to learn more about New Penn's loan programs and provides contact information.
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Superior Rural Housing
- 1. Superior Rural Housing Presented by: Brian McCarty Senior Loan Officer
- 2. Agenda 1 - Overview of Program 2 - Property Qualification 3 - Borrower Qualification 4 - Wrap up & Questions
- 4. 1 - No Down Payment Required 2 - No Monthly Mortgage Insurance 3 - No Reserve Requirement 4 - No Stated Maximum Loan Amount 5 - Loan Up to 102% of Appraisal
- 5. 6 – No First Time Buyer Requirement 7 – New and Existing Homes OK 8 – 30 Year Fixed Rate Loan 9 – No Prepayment Penalty 10 – Seller Contributions to 6%
- 6. 11 – No Limitation on Source of Funds 12 – 100% of Money Can Be Gifted 13 – Loan Amount Can Include Closing Costs 14 – Not FICO Score Driven 15 – FICO > 620 Do Not Need to Explain Derogatory Credit
- 9. Atlantic County Eligible Areas All of: Borough of Buena Buena Vista Twp. Corbin City Egg Harbor City Egg Harbor Township Estelle Manor Folsom Borough Cont’d
- 10. Atlantic County Eligible Areas All of: Galloway Township Hamilton Township Mullica Township Port Republic City Weymouth Township
- 12. Income Limits
- 13. Rural Housing
- 14. Wrap – Up
- 15. Questions