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By sharing my knowledge, clients can better understand their options and so feel empowered in their decisions. Obtaining a mortgage should be stress free and my goal is to make sure this is always achieved. As a lender, I have focused my efforts on putting customer needs first, while generating a satisfied experience for my client through precision, pricing, and service. I am an expert in many areas of lending even in today’s ever changing market. I not only cover all aspects of conventional lending, but consider myself an expert with FHA and VA mortgages as well.
To be eligible for the Home Plus Mortgage Loan Program, the applicant and the loan must meet the following requirements.
Apply for mortgage assistance
You can use the PRMI Home Advantage Plus Loan Program combined with a Down Payment Assistance Program for up to 5% assistance of the total loan amount. Each borrower MUST meet the eligibility requirements for the down payment assistance program which means must have a minimum 620 qualifying credit score for all borrowers. AzHFA’s HOME Plus Program offers creditworthy applicants a 30-year, fixed-rate mortgage, as well as assistance funds that can be applied toward the down payment or closing costs.
I very much appreciated how perfectly you processed my two loan applications. You always communicated with respect and I believe your professional and respectful attitude has made you a unique officer. You are indeed a true asset for HomePlusMortgage and I will certainly recommend you to all of my friends and colleagues.
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Over 16 years, I have had the privilege to work with thousands of satisfied borrowers through online lending networks such as LendingTree. I studied film and television production at UCSD, in San Diego. Upon graduation, I worked as a Producer, creating documentaries and a variety of different types of projects. My series, "Natural High anti-drug" is one of the leading drug diversion programs used in the public schools. I began working in the mortgage industry, and have enjoyed the past 17 years helping people save money on their home financing.
With the big-picture knowledge I gained from those positions, I settled into loan processing a few years ago and it has been so rewarding. I love to make the loan process as quick and streamlined as possible for our customers while maintaining compliance & efficiency. At HomePlus Mortgage, our objective is to get our team access to unrivaled rates and products and provide them with industry leading compensation and the proper support to grow their business. So when you are ready to earn more, get access to better rates and products, and get appropriate support, we are here to help you.
What are the Requirements to Qualify for a Home Advantage Plus Mortgage?
I welcome the opportunity to provide a quick and accurate solution for each individuals unique needs. With my vast experience, knowledge and expertise, I will make sure that your needs are met and that you understand the process. Ensuring that you make the right choice for you and your family is my ultimate goal. I am committed to providing my customers with mortgage services that exceed their expectations. I take great pride in providing excellent customer service, while working with complete transparency throughout the entire process.
Due to are huge volume we get the best pricing possible which I can pass on to my clients. My goal is to help individuals and families become owners of their dream home. There are many mortgage programs available and the process of buying and financing a home can be very daunting. My goal is to help you to set up a plan that fits your budget, make the process as smooth as possible and will ultimately get you the home you desire. After High School, I enlisted in the US Navy and was stationed in Yokosuka, Japan on the aircraft carrier USS George Washington .
If you do not agree to our terms and policies, please exit this site immediately. If you submit your mobile number on this website you agree to receive marketing based text messages. You can refinance your current mortgage with HomePlus Mortgage. You’ll need to complete a form for a rate quote and an estimate of costs. FHA.com's compilation is not a complete list, but it can serve as a starting point in your search for the down payment assistance program or grant for your situation. It is up to the consumer to contact these entities and find out the specifics of each program.
An adjustable-rate mortgage typically offers a lower initial interest rate for the initial time period, but that rate is evaluated and adjusted in the future according to the terms. The assistance money received is a silent second that has no interest, no payment and is forgiven monthly over the first three years of home ownership. The lien is completely forgiven after you stay in the home for three years without refinancing. The purpose of the silent second is to provide stability and ensure the ongoing success of the Home Plus Assistance Program in Arizona. And a paper copy of your application will be mailed to you within three business days. However, the broker does not offer e-closings; all final loan documents must be signed in person in front of a notary.
The program has provided more than $12 million in assistance to union members. With Guild’s Home Plus clients purchase a home with 3% down and Guild provides a $2,000 Home Depot Gift Card plus up to $2,500 toward closing. A fixed-rate mortgage has an interest rate that stays the same for the entire term of the loan. Our award-winning Mortgage Lending team can help you find the right loan for you – plus, we offer calculators, articles, and financial counseling to help you get started. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.
I also specialize in helping first time home buyers by explaining the loan process and making sure they understand every step. My customers work directly with me, which makes communicating easier, and provides the ultimate personalized customer service. Guild’s collaborative culture and commitment to diversity and inclusion enable it to deliver a personalized experience for each customer.
Once it’s been determined that he or she is eligible, they can begin house hunting. When they find their dream home, their realtor will be responsible for negotiating, coming up with the final price and taking care of finalizing the sales contract. With sales contract in hand, the borrower can see the lender and begin the loan process. Applicants can choose from different types of loans, such as VA Loan, FHA, USDA, Freddie Mac, Fannie Mae or some other conventional loan. The percentage of assistance the home buyer chooses will determine the amount of assistance the homebuyer receives. For instance, if an individual wants to buy a home for $200,000 and they choose the 5% option, they would get $10,000 in assistance.
Family Housing Resources of Arizona offers the HOME Down Payment Assistance Program for low to moderate income borrowers. The program assists homebuyers with 3.5% of the purchase price on a property in Pima County of Tucson, but only up to the sum of $3,700. The Arizona Housing Finance Authority recognizes that many first-time homebuyers need help paying the initial, upfront costs that come with a mortgage transaction. That’s why AzHFA established the HOME Plus Program, which is designed to help eligible applicants with down payment and closing cost assistance to purchase their home. After earning a finance degree from Cal State Fullerton in 2002, I decided to pursue a career in the mortgage industry to help others achieve their home financing needs. Whether you are buying a new home or refinancing your current loan, my goal is to find you the best loan product available and make your transaction as smooth as possible.
HOME Plus Program
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