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You are here: Home / Archives for sedona mortgages

30 Year Mortgage Hits Record Low

June 21, 2012 By Troy Leave a Comment

http://www.breitbart.com/system/wire/D9VHIPNG2

US mortgage rates are at an all time low.  Now is the cheapest time to have a mortgage with rates around 3.66%.

 

Filed Under: Sedona Real Estate Tagged With: Sedona Homes, sedona mortgages

Keeping Your Credit Score Up During The Holidays

November 26, 2010 By Troy Deierling Leave a Comment

A reminder for anyone buying a home in the near future and needing a mortgage:  Brought to you by Mark Miskiel at The Lending Company (A local Sedona Mortgage Company).

As black Friday approaches and the Christmas shopping season starts, take caution to resist the store promotions where you open a new credit account and get a big discount at the register for doing so.

While it may be tempting to take advantage of the in store promotion, opening that account could potentially harm their credit score enough to preventing closing the mortgage loan or making a pre-qualification null and void.

Opening “New Credit” accounts can impact a borrower’s credit score up to 85 points because the credit bureaus take the following into the consideration.

  1. Number of recently opened accounts
  2. Proportion of newly opened accounts to all open accounts
  3. Number of recent credit inquiries
  4. Amount of time since the recent inquiries

It’s no news that mortgage lenders have been increasing the minimum credit score to obtain a mortgage.  Also, there is a new requirement for the lenders to pull a “soft” credit inquiry right up to the point of funding the loan to ensure the borrowers credit profile has not changed.  While the in store promotions may look great, the borrowers may want to carefully consider if accepting such a promotion is worth the risk of no longer qualifying for a mortgage.

I am here to help if you have questions about this or other lending topics.

Happy Holidays!

Mark A. Miskiel  –  Residential Lending Specialist
The Lending Company – Verde Valley
Office:  (928) 634-7987 (rings to cell when out of office)

Filed Under: Sedona Real Estate Tagged With: Credit Score, Sedona AZ Mortgages, sedona mortgages

GETTING PRE-APPROVED FOR A MORTGAGE

November 17, 2010 By Troy Deierling Leave a Comment

Filed Under: Sedona AZ Real Estate Tagged With: Mortgage, mortgage pre-approval, sedona mortgages

100% USDA Mortgages are back Sedona!

August 6, 2010 By Troy Deierling Leave a Comment

100% USDA Mortgage Loans Available Throughout the Sedona Area

USDA is BACK!

I know I mentioned some great mortgage news would be coming your way with this week’s newsletter and we have had a development in the mortgage world that you MUST know about.

It is official as of this week….the rural housing mortgage program from the United States Department of Agriculture (USDA) is back.  Yes, the same people that certify our beef at the grocery store offer a mortgage program.  It’s a great program too.

This is HOT news.  100% mortgage loan programs are virtually dead unless you are a Veteran. Just because it’s USDA doesn’t mean you have to buy a farm.  In fact, thats prohibited in the program.

Here’s the best news, the entire Sedona area is included in this program and is considered rural.  The closest exclusions are Prescott and Flagstaff.

Does your real estate agent keep up on programs like these?  Do they even know they exist?

Be sure to use a full time professional Realtor.

100% USDA Mortgage Loans Available Throughout the Sedona Area

Filed Under: Sedona AZ Real Estate, Sedona homes for sale Tagged With: 100% mortgage, Sedona AZ, sedona mortgages, usda mortgage

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Sedona AZ Real Estate Broker Susan Deierling, ABR, CRS
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Realty Executives
Northern Arizona
Sedona AZ
(928) 451-6098 mobile/text/VM
(888) 494-0470 (US & Canada)
susan@sedonaemail.com

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Sedona AZ Homes for sale Troy Deierling ABR CRS
Realty Executives
Northern Arizona
Sedona AZ
(928) 202-0700 mobile/text/VM
troy@sedonaemail.com

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Contact Susan

Sedona AZ Real Estate Broker Susan Deierling, ABR, CRS
Assoc. Broker
RE/MAX Sedona
Sedona AZ
(928) 451-6098 mobile/text/VM
(888) 494-0470 (US & Canada)
susan@sedonaemail.com

Contact Me | About Us

Contact Troy

Sedona AZ Homes for sale Troy Deierling ABR CRS
RE/MAX Sedona
Sedona AZ
(928) 202-0700 mobile/text/VM
troy@sedonaemail.com

Contact Me | About Us
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