H.O.M.E. Lending

12/02/2022

Huge Announcement !!!!
FHA have increased their loan limits effective Jan 1st 2023
HOME lending is accepting applications with these new loan limits effective Today

2023 FHA New Loan Limits
San Joaquin County from $563,500 to $656,650
Stanislaus County from $460,000 to $517,500

2023 Conventional Loan limit increased to $726,000

HOME Lending is a LOCAL and DIRECT Lender Offering Lower Rates than our competitors

Loan Pre-Approval in Less than 10 Minutes

Don Burns NMLS #235005
(209) 406-2110 Cell
(209) 477-0262 Office
[email protected]

H.O.M.E. Lending NMLS 1786164
www.GetHomeLending.com

11/29/2022

https://conta.cc/3Fclvsh

Not a Down Payment Assistance Loan   I received a few phone calls from agents wanting more info on our 100% FHA Loan for Buyers that DO NOT qualify for Down Payment Assistance programs (DPA). The rate

11/23/2022

H.OM.E. Lending is offering an alternative to limited Down Payment Assistance (DPA) programs

No Down Payment Required

100% FHA financing

Finance your 3.5% Down Payment
Using a second mortgage 6% rate amortized over 10 years.

Credit score as low as 580
(DPA requires higher score)
Eligible for first time buyers
No income limits (like DPA’s)
Can use non occupying co-buyer
Must attend an online home buyer class

Our most recent borrower/buyer moved in for “Less” than what it would have cost them to move into an apartment !!

Call for details
Don Burns
HOME Lending
(209) 477-0263 office
X 214
NMLS lic 23505
Company NMLS 1786164

05/09/2022

What is a DSCR Loan?

A DSCR (Debt Service Coverage Ratio) loan is a type of loan that can help investors qualify for a loan without using their income, a DSCR uses the rental income generated from an investment property to qualify for the loan. This is a great option for investors to consider who may not be able to qualify for a traditional investment loan.

Instead of getting a hard money loan which can be much more expensive for investors, a DSCR is a much more cost-effective way to finance an investment property.

If your client is being turned down by other Lenders Try H.O.M.E. Lending

Scores as Low as 620
Cash Out Can be Used For Reserves
Vacant Properties OK
Gift Funds Allowed
NO Reserves needed for other Financed Properties
Qualify on the Interest Only Payment
Loan Amounts up to $2.5MM

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H.O.M.E. Lending is a LOCAL and DIRECT Lender offering lower rates than our competitors

05/03/2022

Lock & Shop

We Can Lock Rates up to 180 Days

In our Increasing Interest Rate Market.. It May be Prudent to lock Your Clients Interest Rate using Todays Rates while you are Assisting them in their search of a H.O.M.E.

We offer a Solution!

Loan Lock Terms that will Apply:

Borrowers Loan to be Submitted as a TBD to UW

Rate is Locked at Submission to Underwriting
Extend Any type of loan, Conv, FHA, VA etc.
Determine How Time will be needed
Perfect for New Home Builds or H.O.M.E. Searches

Offer Your Clients the benefit of Locked Lower Rates.. Compare and Save !

Realtors using our "Underwriter Approval" letter instead of other lenders "pre-approvals" means you can Close your Escrows sooner rather than later

Home Ownership Made Easy

Local and Direct Lender .. We Table Fund !!

Rates Today (05/02/2022) Lock Today

Conv Loan ..... 5.125% (5.359 APR) *

FHA Loan ....... 4.875% (5.109 APR) *

VA Loan .......... 4.875% (5.109 APR) *

* Rates subject to change based upon daily rate changes. LTV, Fico score

10 minute Pre-Loan Approval Process Call today

Don Burns, NMLS 235005

(209) 477-0262 Office
(209) 406-2110 Cell

[email protected]

04/26/2022

We Can lock Rates For Up To 180 Days

In our Increasing Interest Rate Market.. It May be Prudent to lock Your Clients Interest Rate using Todays Rates while you are Assisting them in their search of a H.O.M.E.

We offer a Solution!

Loan Lock Terms that will Apply:

Borrowers Loan to be Submitted as a TBD
All Upfront Financials will be Required
Rate is Locked at Submission to Underwriting
Extend Any type of loan, Conv, FHA, VA etc.
Determine How Time will be needed
Perfect for New Home Builds or H.O.M.E. Searches
Find a House

Realtors using our "Underwriter Approval" letter instead of other lenders "pre-approvals" means you can Close your Escrows sooner rather than later

Home Ownership Made Easy

Local and Direct Lender .. We Table Fund!!

Rates Today (04/22/2022) Lock Today

Conv Loan ..... 4.999% (5.224 APR) *

FHA Loan ....... 4.750% (4.984 APR) *

VA Loan .......... 4.750% (4.984 APR) *

* Rates subject to change based upon daily rate changes. LTV, Fico score

10 minute Pre-Loan Approval Process Call today

Don Burns, NMLS 235005

(209) 477-0262 Office

(209) 406-2110 Cell

[email protected]

04/22/2022

🤩🏠

Contact H.O.M.E. Lending today at (209) 477-0262. Our financial experts and business representatives are here for your assistance.

03/29/2022

In this hyper competitive housing market and rising interest rates, your current Pre-Approval may not have any value.

Your clients cannot afford to chase down their dream house with a pre-approval that doesn't clearly state that their income, assets, and credit have been both Underwritten and Approved. Anything less is putting your clients at a disadvantage and could cost them an offer rejection!

NOT AT H.O.M.E. LENDING

We offer a FULL UNDERWRITE on all TBD properties, Our Approvals clearly state that we have signed off on income, assets and credit which makes our underwriter approvals.... Walk and Talk Like a CASH Offer

Separate yourself from other Agents

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We are able to provide a service that gives your clients Lower Rates and close your escrow between 7-18 days* (some restrictions apply)

H.O.M.E. Lending is a LOCAL and DIRECT Lender

NO Mortgage insurance for buyers with 10% Down

Rates TODAY 30 Year Fixed 3/10/2022

CONVENTIONAL Loans - 3.875% (4.109 APR)
FHA Loans - 3.875% (4.109 APR)
VA Loans- 3.486% (3.720 APR)
Compare our Rates and Service to ANY other local lender

H.O.M.E. Lending where H.ome O.wnership is M.ade E.asy

03/10/2022

We offer a more personalized approach to financing the purchase of a home. Call us today at (209) 477-0262 to learn more!

03/07/2022

Keys to the Valley

Housing Affordability Fund Grant

The Central Valley Association of REALTORS®, with funding from the California Association of REALTORS® Housing Affordability Fund, is offering grants to qualified first-time home buyers who are first responders or educators. This grant is designed to encourage a lifestyle of “living where you work” in Stanislaus and San Joaquin Counties.

HOME Lending will Match the CVAR credit of $1000 towards closing costs * (*must use H.O.M.E. lending for their financing)

Combining the CVAR credit and H.O.M.E. Lending credit will offer your client up to $2000 towards Closing costs

Qualifications:

• Must Live/Work in Community: The individual must live and hold a qualified position in either Stanislaus or San Joaquin Counties.

• First Responder: All Emergency personnel trained to aid in urgent medical and other emergency occurrences such as police, fire, and EMT. All personnel necessary for the support of first responders such as doctors, nurses, pharmacists, and ancillary personnel.

• Educator: A credential individual (or equivalent for Position) that Actively works for a public or private institution responsible for the educations of students in PreK through College

02/25/2022

Agent Bob didn't get a commission because he failed to use H.O.M.E. Lending and didn't check the box "H3" on the RPA showing buyer was "Underwriter Approved" and he missed an opportunity to remove the Loan contingency ..

Don't Be Like Agent Bob!

H.O.M.E. Lending assists you in Increasing your odds of Offer Acceptances.

"Do Not send another lender's "Pre-Approval when you can send an "Underwriter Approval"

Separate yourself from other Agents

* * * * * * * * * * * * * * * * * * * * * * * * * * * *

We are able to provide a service that gives your clients Lower Rates and close your escrow between 7-18 days* (some restrictions apply)

02/17/2022

REAL ESTATE LIKE A BOSS

H.O.M.E. Lending assists you in Increasing your odds of Offer Acceptances.

"An agent yesterday got their clients offer accepted over a 10K higher offer because we were already Underwritten Approved with a guaranteed to close within 15 days"

Separate yourself from other Agents

Why are you sending a "Pre-Approval" with your offers when you can send a Custom upfront, "specific to the offer"

Underwriter Approval

* * * * * * * * * * * * * * * * * * * * * * * * * * * *

We are able to provide a service that gives your clients Lower Rates and close your escrow between 7-18 days* (some restrictions apply)

H.O.M.E. Lending is a LOCAL and DIRECT Lender offering lower rates than our competitors



NO Mortgage insurance for buyers with 10% Down

Rates TODAY 30 Year Fixed 2/17/2022

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CONVENTIONAL Loans - 3.750% (3.984 APOR)
FHA Loans - 3.375% (3.609APOR)
VA Loans- 3.125% (3.359 APOR)
Compare our Rates and Service to ANY other local lender

CALL TODAY FOR MORE INFORMATION !!

Benefit$ of working with H.O.M.E. Lending

We are a LOCAL and DIRECT Lender

$600 credit towards the Appraisal fee
Free Credit Report
Credit Scores down to 580 (FHA)
24 Hour Underwriting
Closing averages 21 days or less
Compare our rates to ANY lender
No Mortgage Insurance (10%+ down)

Loan Pre-Qualification in 10 Minutes

Loan approved 1.jpg

Don Burns NMLS 235005 (209) 406-2110 Cell

[email protected] (209) 477-0262 Office