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3 Facts You Must Know - and You'll Be Able To BUY YOUR HOME with a Zero Down Loan!
Denver Colorado Real Estate - just imagine what it would feel like if you were easily able to get qualified for a beautiful Denver home with zero money down in the next few days...
Would your whole financial situation be better (if you could finally stop renting) and would you feel happier owning your own home?
Buying or selling a Denver home can seem like an overwhelming task. But the right Realtor can make the whole process easier - and more profitable for you! Don't let the headlines on the TV news, or the newspaper articles or the radio station news cloud your thinking – as there are still $0 money down loans available for Denver home buyers - that are easy to qualify for! Interest rates are starting as LOW as 5.75 to 6.25% on 30 year fixed loans too - as we have record low interest rates now too! Surprisingly, the low interest rates are easy to qualify for – since most lenders are very eager to boost their sales - caused by the slumps in many U.S. real estate markets. See more information about this at my home page.
As a top Denver lender and Realtor since 1998, I’m excited to offer special $0 Down loans that are still available for Denver home buyers. They're available if you have good credit AND if you’ve got slightly damaged or blemished credit.
If you qualify for these loans, you can buy homes anywhere in the Denver Colorado Real Estate market, the Highlands Ranch Real Estate market, the Littleton Real Estate market – or anywhere you want in the Denver front range!
You can get a 30 year fixed rate loan - and monthly principle & interest payments of $1,350 on a $225,000 home and only $1,650 on a $275,000 home! Many of you could be buying a home for just about the same thing you're paying rent for - right?
FACT #1: The smartest loans for many first-time buyers and move up buyers is a $0 Down mortgage loan - which enable you to get a low interest rate on a 30 year fixed rate loan - and help you to BUY a beautiful home IMMEDIATELY in the Denver Colorado real estate market. You WON'T have to wait ‘years' to save cash for down payments - or to repair your credit situation; as many of these loans permit old charge off and unpaid collections…
You've probably heard that subprime loans have been eliminated, but we can help you qualify for a FHA or VA low interest rate $0 Down loan! You just need a 580+ mid-credit score (and with a little bit of strategic credit repair, we can help most people achieve those scores within 2-6 months.) You may also qualify for a FHA mortgage loan (at about 5.875%) 30-year fixed rate with mid credit score as low as 620.
You may be able to get qualified in a few days to be able to buy Denver homes for sale or even a Denver bank owned homes. If you’re renting now and you'd rather be a Denver first time home buyer, we'll get you the help you need so you'll feel comfortable - as mortgage loans and home buying can be rather confusing! The first step for you - is to get going on pulling a tri-merged credit report and working on your Loan Pre-Approval. Many of you might need to boost your credit scores 25-100 points to qualify and will need help on getting your credit mistakes fixed - to get you qualified. But that's okay - as we offer the #1 Credit Repair Mortgage Program in the whole United States – as poor credit will NO LONGER be stopping you from buying a beautiful Denver Colorado homes for sale or other real estate.
FACT #2: The #1 reason or excuse that STOPS most first-time Denver home buyers and renters from buying a home is because they do not have cash 'saved up’ for a down payment and closing costs. Read more on how to fix that problem at FREE Cash for Renters here...
Do you already own a home now and want to buy a bigger or newer home instead? These special $0 Down loans are perfect if you want to be able to move up to a much larger house, especially if you won't 'net' very much profit on the sale of your current Denver home for sale. If you don’t have very much cash for a down payment, we’ll help you get a $0 Down Loan and home purchase price up to $337,100 – with many loan options for you to choose from on low 30-year FIXED rates. We have specialized helping Denver home buyers and get good $0 Down loans since 1998, even if you've been ‘declined’ a mortgage loan by another (more strict) lender - or a Denver new home builder's lender. Check out Golden Colorado real estate or even Castle Rock Colorado real estate.
All you need to do is a quick Loan Application (it takes about 4-5 minutes) and we'll get going!
Here's a more detailed explanation on the qualifications of most $0 Down loans. Read every written here in this short article and you'll see how easy it is to get a good $0 Down FHA loan...
Many Denver home buyers assume that you absolutely perfect credit (in the 680-720+ range) to be qualified for a 0 Down loan - yet it's NOT TRUE at all. You can get qualified to buy Denver real estate and Aurora Colorado homes for sale if you currently have 'lower' credit scores.
The 3 Primary $0 Down FHA Loan Qualifications:
• Minimum 580+ mid-credit scores on all borrowers
• Debt-ratios of 50% or lower (exceptions if you have 401k or other savings)
• 2 years tax returns, 2 year job history and 12 months credit/car payments on time.
It's not that hard for renters to qualify for great loans now and become Denver home owners!!!
You are allowed to have a few charge-off's and old collections too, but they should be at least 12 months or older as they report on your credit reports. In most cases, you will NOT have to pay them off to get approved for these special $0 Down loans. (Not unless they exceed $8,000.) This may surprise you as many renters and first time home buyers I talk to on the phone are usually shocked to see how easy, it really is, to qualify for these special $0 Down loans for buying Parker Colorado real estate or even Lakewood Colorado real estate. FACT #3: You can buy Denver homes for sale immediately by choosing $0 Down loans, and using a smart Denver real estate broker to 'write-in' ALL your down payment and closing costs into the homes purchase price.
Like I metioned earlier, if you've got a 580+ mid-fico credit score – we're usually able to help you buy Denver real estate or Westminster Colorado real estate with a 0-3% Down FHA or other loan with very little out-of-pocket cash for closing costs!
With record low 30-year fixed interest rates around 5.75% to 6% - you’re also getting a mortgage loan with low monthly payments too.
FACT #4: With our current uncertain financial situation, it's a very smart financial strategy to keep a cash reserve for unforseen emergencies – which is another reason 'why' $0 Down mortgage loans are popular to savvy home buyers...
Mortgage Specialists LLC will genuinely help to get you get Pre-Approved to help you buy a beautiful home in the Denver Colorado Real Estate market, the Highlands Ranch Real Estate market, the Littleton Real Estate market – or anywhere else you choose in the Denver front range. You'll get excellent financial advice (and NO 'bad surprises') while our professional lending team workis on your mortgage loan. With a MBA, and helping close nearly $100 million in real estate and mortgage loan transactions, I help give excellent Denver home buying and mortgage advice to my clients; which means you'll be gettting personalized real estate and mortgage expertise. Since 1998, over 92% of my mortgage company's loans have been $0 Down mortgage loans. 
Here's a 6.25% FHA loan and the monthly payments:
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Home Purchase Price
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Monthly Principle & Interest
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$175,000
$200,000
$225,000
$250,000
$275,000
$300,000
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$1,075
$1,230
$1,385
$1,540
$1,695
$1,850
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In addition to the principle & interest payments on your mortgage loan, you'll also have monthly escrows - which is 1/12th of your annual payments for your property taxes, hazard insurance and your private mortgage insurance (PMI is required on loans above 80% loan-to-value.) Normally, you can expect $225 to $450 a month for escrows & reserves - based upon the Denver, Highlands Ranch / Littleton, Broomfield real estate, Golden, Arvada real estate or other home you decide to buy.
FACT #5: MOST first time home buyers have misreporting items on your credit reports causing your scores to be much lower. These can typically be fixed in 30-45 days, improving your odds of getting approved for a home loan. (You typically don't have to pay off OLD collections if they are medical accounts or if they are charge-off's 12 months and older.)
Since we are a mortgage broker, we use a variety of lenders which makes it easier for you to qualify'. When you do a quick Loan Application - we will review your credit report & credit score situation.
You might qualify for LOWER payment and interest rates if we have time in advance to fix and correct misreporting errors or mistakes on your credit reports. Even if you're not planning on buying for 3-6 months - we HIGHLY recommend having us pull your credit now to make sureany mistakes or problems can be fixed prior to you going out house shopping! Why keep procrastinating...let’s get going on rebuilding or fixing your credit report situations right NOW instead. Why would you "not" want to take steps to fix your damaged credit? That's like cutting your finger badly and just watching it bleed – or it's like driving with a half flat tire on your car for 6 months – THAT’S JUST CRAZY MAN!!!
“Not” working on fixing your damaged credit scores is the #1 Mistake that most first-time Denver home buyers make. It's the #1 reason why renters aren't home buyers! Email me your specific loan scenario or current financial situation on the form below - and we'll help you too.
APPLY NOW and we'll start working on getting you an excellent $0 Down loan!
Thanks,
Jeff
Jeff Boyce
Multi-Million Dollar Producer
Colorado Homes and Mortgage Specialists
The Jeff Boyce Gold Team
and
Owner
Mortgage Specialists LLC
(303) 588-4665
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