Pointing U Home Team at Integrity Home Mortgage

Pointing U Home Team at Integrity Home Mortgage Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Pointing U Home Team at Integrity Home Mortgage, Loan service, 77 North 3rd Street Suite 202, Chambersburg, PA.

Why should you work with a REALTOR®?There are s e v e r a l reasons you should use a REALTOR®. Here are a few things tha...
03/28/2024

Why should you work with a REALTOR®?

There are s e v e r a l reasons you should use a REALTOR®. Here are a few things that an agent who's a REALTOR® can do for you.

1. Act as an expert guide.
2. Offer objective information and oppinions.
3. Give you expanded search power.
4. Stand in your corner during negotiations.
5. Ensure an up-to-date experience.
6. Provide fair and ethical treatment.

Larry Yoder and Tin Ly
[email protected]
(717) 552-9285

We're spilling the tea (or coffee)...Don't break the bank! Get pre-approved before you start house hunting. This helps y...
03/27/2024

We're spilling the tea (or coffee)...

Don't break the bank! Get pre-approved before you start house hunting. This helps you set a realistic budget and shows sellers you mean business when making an offer.

By focusing on your budget and monthly payment, you're better prepared to handle potential rate changes in the future without feeling financially stretched. Refinancing is always an option.

We're here to be your lifelong lender.
Larry Yoder and Tin Ly
[email protected]
(717) 552-9285

Did you know the seller can pay a portion of closing costs? Seller-paid closing costs (or seller concessions) are money ...
03/26/2024

Did you know the seller can pay a portion of closing costs? Seller-paid closing costs (or seller concessions) are money paid toward the closing on your behalf.

There are exceptions to the rules, but the maximum allowable seller concessions by loan program are as follows.

• FHA loans: up to 6%
• USDA loans: up to 6%
• VA loans: up to 4%
• Conforming (Fannie Mae and Freddie Mac) loans: up to 3-9%, depending on down payment
• Investment properties: up to 2%

It’s important to remember that sellers are not going to just pay for your closing costs as a kind gesture. The amount is built into the sales price. It’s okay if the seller gets a higher sales price in exchange for covering your closing costs, as long as the property appraises for at least the sales price.

Consult with your real estate agent when negotiating your sales purchase.



Larry Yoder and Tin Ly
[email protected]
(717) 552-9285

*All assistance is provided in compliance with FHA guidelines.
*Integrity Home Mortgage Corporation is not affiliated with or acting on behalf of or at the direction of FHA or the Federal government.

We know this topic is HOT HOT HOT.The major changes include:• The seller will no longer automatically pay both agents, t...
03/25/2024

We know this topic is HOT HOT HOT.

The major changes include:
• The seller will no longer automatically pay both agents, though they can choose to do so.
• The fields that contain commissions will no longer be in the MLS.
• Sellers and buyers will have more flexibility in their negotiations, which could result in lower commission costs and lower home prices.

How will the changes impact the process?
• Sellers can still negotiate the commission they pay, and they may be able to secure a lower cost. They can agree to pay commission for the buyer's agent, but it's not required.
• Buyers can negotiate both the commission they will pay and how they will pay it, whether out of pocket or through other avenues.

The bottom line is that buyers and sellers will still compensate agents for the many services they provide, and these fees will be negotiable, like always.

Your agent and I will stay up on any changes that may occur before court approval. Please reach out with any questions or concerns, and we'll be happy to assist.

Larry Yoder and Tin Ly
[email protected]
(717) 552-9285

Although these loans are similar, they’re not the same! It's important to know the differences.If you already have a mor...
03/21/2024

Although these loans are similar, they’re not the same! It's important to know the differences.

If you already have a mortgage, a home equity loan or a HELOC will be a second payment to make, while a cash-out refinance replaces your current mortgage with a new one — complete with its own term, interest rate and monthly payment.

HELOCs usually come with an adjustable rate, so your monthly payments will vary.

A cash-out refinance replaces your original mortgage with an entirely new loan that's greater than what you currently owe. The difference between the current loan amount and the new loan amount provides the "cash out."

And though rates for cash-out refinances are generally higher than for rate and term refinances, your interest rate will still probably be lower than a home equity loan or HELOC rate.

Connect with us for more details to see if a cash out refinance might be right for you.

Larry Yoder and Tin Ly
[email protected]
(717) 552-9285

Did you know we offer reverse mortgages?Reverse for Purchase (R4P) is a strategic tool that allows adults 62+ to increas...
03/19/2024

Did you know we offer reverse mortgages?

Reverse for Purchase (R4P) is a strategic tool that allows adults 62+ to increase buying power for a new home while eliminating required monthly mortgage payments.

A Reverse for Purchase can give you more control over where you spend the years that matter most.

Program Requirements:
· Must meet all loan obligations, including using the property as your primary residence.
· Must pay property charges including first mortgage payment, property taxes, fees, and hazard insurance.
· Must maintain the home

Learn more at www.ReverseWithIntegrity.com

Larry Yoder and Tin Ly
[email protected]
(717) 552-9285

Cheer to turning properties into four-leaf clovers and bringing the luck of the Irish to the closing table on every deal...
03/17/2024

Cheer to turning properties into four-leaf clovers and bringing the luck of the Irish to the closing table on every deal!

Happy St. Patrick's Day!

Larry Yoder and Tin Ly
[email protected]
(717) 552-9285

Many buyers don’t have a down payment saved, but they make plenty of income.As a matter of fact, several people may make...
03/14/2024

Many buyers don’t have a down payment saved, but they make plenty of income.

As a matter of fact, several people may make too much money to qualify for other down payment assistance options.

Does this sound familiar?
If so, this program might be for you!

Program Highlights:

-NO income limits
-NO down payment
-600 minimum credit score

Let's chat about your options!

*All assistance is provided in compliance with FHA guidelines.

*Integrity Home Mortgage Corporation is not affiliated with or acting on behalf of or at the direction of FHA or the Federal government.

Larry Yoder and Tin Ly
[email protected]
(717) 552-9285

Mortgage Myth! You can't get a mortgage if you're self-employed?Self-employed borrowers represent an underserved market ...
03/12/2024

Mortgage Myth! You can't get a mortgage if you're self-employed?

Self-employed borrowers represent an underserved market in the mortgage industry.

Business owners typically have substantial tax write-offs that make it challenging to demonstrate the necessary income to prove their ability to repay the loan.

We have options for full documentation loans or a bank statement loan. The bank statement loan allows for alternative documentation instead of using tax returns and W-2s in the qualification process. Bank statements show the true cash flow of their business.

Have questions? Ready to get pre-approved? We are here to help!

Larry Yoder and Tin Ly
[email protected]
(717) 552-9285

March: the month when even the sunlight gets its act together and shows up more often.Embracing the Extra Sunshine: Spri...
03/10/2024

March: the month when even the sunlight gets its act together and shows up more often.

Embracing the Extra Sunshine: Springing Forward into Brighter Days!

Larry Yoder and Tin Ly
[email protected]
(717) 552-9285

Did you know USDA loans offer 100% Financing?Two important Program Highlights to note with USDA Loans:1. The property mu...
03/07/2024

Did you know USDA loans offer 100% Financing?

Two important Program Highlights to note with USDA Loans:

1. The property must be in a Rural Development Eligible Area (ask your lender to verify).
2. Income limits DO apply. Generally, you can't make more than 115% of the area's median income. Also, lenders will look at the total household income, including people who won't be obligated on the new mortgage.

Thinking a USDA home loan might be right for you? Lets see what you qualify for and start shopping for your dream home today.

*Integrity Home Mortgage Corporation is not affiliated with or acting on behalf of or at the direction of USDA/RD or the Federal government.

Larry Yoder and Tin Ly
[email protected]
(717) 552-9285

*Integrity Home Mortgage Corporation is not affiliated with or acting on behalf of or at the direction of USDA or the Federal government.



Enjoy a simple and straightforward loan application process from your preferred device (either your cell phone or web-da...
03/06/2024

Enjoy a simple and straightforward loan application process from your preferred device (either your cell phone or web-dashboard). That's right, you don't necessarily need to download the app!

Within our technology, we also use Day 1 Certainty to prequalify our borrowers faster. It's safe and secure!

You might be thinking, what is Day 1 Certainty? Day 1 Certainty is Fannie Mae’s initiative to use automation for financial documents instead of requiring borrowers to submit hard copies.

If the Applicant, gives us authorization, we utilize a third-party automated system to verify your income. When your income is approved for Day 1 Certainty, we can determine the amount of mortgage you may qualify for immediately, and we may be able to close your loan without needing copies of paystubs, W-2s, or tax returns. This means less paperwork for you and a faster, more efficient closing.

**Not all borrowers will qualify for Day 1 Certainty. Available for conventional loans only.**

We're here to do business, your way.

Larry Yoder and Tin Ly
[email protected]
(717) 552-9285

Address

77 North 3rd Street Suite 202
Chambersburg, PA
17201

Telephone

+17175529285

Website

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