Richard Balles A-k Financial First Time Home Buyers-pullip

Richard Balles suggests Home Opportunities SM Little or no down payment required Flexible income, credit and debt guidelines, including non-traditional credit histories Incentives for public employees For home buyers with the following consideration points: High debt ratios and little savings Non-traditional credit histories Both documented and undocumented income Experienced financial difficulties Qualified public employees Richard Balles suggests – FHA Loan Low down payment requirements Flexible income, debt, and credit requirements to help borrowers qualify Down payment and closing costs may be funded by a gift, grant, or secured loan. For homebuyers with the following consideration points: Homebuyers with limited savings Homebuyers with low-to-moderate income Richard Balles suggests – VA Loan For homebuyers with the following consideration points: Qualified veterans, reservists, active-duty service members Homebuyers with low-to-moderate income Homebuyers with limited savings Down Payment Assistance Program (DAPs) Available for a limited time by Richard Balles For homebuyers with the following consideration points: Income and purchase price limits apply. See your mortgage consultant for details Richard Balles suggests – Fixed-Rate Mortgage Loan Fixed-rate mortgages give you the security of knowing your monthly principal and interest payment will not change. A-K Financial provides a variety of fixed-rate products, with loan terms ranging from 10 to 40 years. Predictable payments. The monthly principal and interest payment is fixed over the life of the loan. Protection from rising interest rates. No matter how high market interest rates go, your mortgage rate remains the same over the life of your loan. For homebuyers with the following consideration points: Prefer regular payments with no surprises Have limited or fixed incomes Plan to stay in their homes a long time Are buying a home at a time when interest rates are comparatively low Richard Balles suggests – Adjustable-Rate Mortgage Interest rate that is fixed for an initial period, then adjusts periodically based on market conditions Lower initial rate than with a fixed-rate mortgage A variety of fixed-period options ranging from one to ten years For homebuyers with the following consideration points: People looking to increase their short-term cash flow Buyers who need a larger loan amount than they can qualify for with a fixed-rate mortgage Homebuyers who plan to move or refinance within a few years Financial assistance for down payment and closing costs No repayment of gift required Minimal paperwork No down payment required in most cases Flexible income, debt, and credit requirements to help borrowers qualify Down payment and closing costs may be funded by a gift, grant or secured loan If you want to do something worth doing, you’ll need two things: passion and architecture. 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