Financing Your Home
First Time Buyers,
Veterans,
Physicians,
Seniors,
Teachers and
folks with discharged bankruptcies all need
specialized products. If you don’t know which product is
best for you contact one of the Realtors in our office at
314-772-4663 or send an email to
buyersagent@marksellsstlouis.com
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
Access Capital Funding, L.L.C.
14366 S. Outer Forty
Chesterfield, Mo 63017
(314) 276-9390
mlynch@emailmma.com
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
Bank of America
MO1-076-04-03
7800 Forsyth
Suite 400
Clayton, Mo 63105
(314) 560-7509
sandra.k.johnson@bankofamerica.com
Are you a teacher?
The only lender I am aware of with a product designed for
teachers is
Sandy Johnson
Bank of America
MO1-076-04-03
7800 Forsyth
Suite 400
Clayton, Mo 63105
(314) 560-7509
sandra.k.johnson@bankofamerica.com
Are you a
medical doctor?
Two of our lenders have great products for doctors
Jim
Clifford
Senior Loan
Officer
RBC Mortgage
17107
Chesterfield Airport Rd., Ste 140
Chesterfield, MO 63005
Phone (636)
449-0001
Pager/Voice
Mail (314) 905-1963
Fax (636)
449-0030
email:
Jim.Clifford@rbc.com
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
Bank of America
MO1-076-04-03
7800 Forsyth
Suite 400
Clayton, Mo 63105
(314) 560-7509
sandra.k.johnson@bankofamerica.com
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
Griffin Financial Mortgages, LLC
(314) 521-8320
(314) 740-0948 Mobile
Milton_robinson@yahoo.com
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
Leader
Mortgage
RickHorn@Leader1.com
(314) 241-2100 ext 103
(314) 241-7300
(314) 974-5886 mobile
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
Access Capital Funding, L.L.C.
14366 S. Outer Forty
Chesterfield, Mo 63017
(314) 276-9390
mlynch@emailmma.com
Are you looking for an honest credit counselor?
These resources have been approved by HUD:
http://www.hud.gov/offices/hsg/sfh/hcc/states/missouri.txt
Do you need a little more help?
Give us a call at 314-772-HOME (314-772-4663) or send us
an email -
buyersagent@wesellstlouis.com
