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FINANCINGFirst Time Buyers, Veterans, Physicians, Seniors, Teachers and people with discharged bankruptcies all need specialized products. If you don’t know which product is best for you contact me - Neal Harris - at 314-772-4663 or send me an email. When Realtors meet, we frequently discuss bad loan officers and lenders. Some large institutions have reputations for slow processing or slipshod customer service that cannot be overcome by even the most professional of loan officers. Some loan officers work for their own short term benefits to the detriment of the client and have to be watched like a hawk. Helping our customers to avoid lenders who over-promise and under-perform is an important part of our job. It is a lot easier if we can just lead the client to quality person who is well suited to the job in the first place. Just as one would not use a sledgehammer to adjust a carburetor, one should never use a B/C lender for a client with a 900 middle score who wants an 80/15/5 product and to pay no PMI. Does that sound like jargon? It is. But I know what it means and I know which lender to refer which person to. Are you looking for a conventional home purchase loan?If you have good credit and your goal is to have a smooth transaction at a competitive price, try Michael Lynch Are you considering an FHA or VA loan?Not every one is qualified or even knows how to write these. Sandy Johnson has been doing government loans for over 20 years. She knows the rules and she knows how to work with them. Sandy Johnson Are you a teacher?The only lender I am aware of with a product designed for teachers is Sandy Johnson Are you a medical doctor?Two of our lenders have great products for doctors Sandy Johnson Jim Clifford Are you a policeman, fireman, member of SEIU or medical employee?Policemen, firemen, members of SEIU, and medical employees may all benefit from specialty Bank of America loan products, Sandy Johnson Are you over 62?Seniors can use a reverse mortgage to purchase a new home or as a source of income with their current home. Some people find it especially useful to help them keep up with maintenance and protect their investment for the long term. I am now working with a couple who bought their “last” home outright with cash. Now it turns out that this home no longer fits their needs and they miss some of the luxuries that they gave up when downsizing. They are financing 49% of their home purchase and will never make a payment for the rest of their lives. They were a little nervous at first but they have consulted with a gerontologist counselor from a non-affiliated not for profit. They understand it and are really looking forward to their new home in Saint Louis Hills. For more information on Reverse Mortgages, contact Milton A Robinson Have you thought about buying a property that could use some tlc, a little updating or even a major rehab?Saint Louis has lots of great homes that can be bought reasonably but it is extremely important that you get a loan designed for doing a rehab. Rick Horn has done more 203k’s and conventional rehabs than anyone else in Saint Louis. Rick Horn Do you have 'less than perfect' credit?Everyone tells us they can do less than perfect credit but very few can close them on time with the terms they promised too. If you have a discharged bankruptcy ask about FHA. Michael Lynch Are you looking for an honest credit counselor? These resources have been approved by HUD: Do you need a little more help?Give me a call at 314-772-HOME (314-772-4663) or send me an email - neal@wesellstlouis.com |
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3424 Missouri Ave St. Louis, MO 63118 Telephone: 314-772-4663 Toll-free: 1-866-971-4663 Fax: 1-888-534-7589 |
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