Mortgage101
Mortgage101
Mortgage101
Informative information about home lending when purchasing or refinancing a house. We go into detail about the home loan process and lending programs.
USDA Home Loan Program in Nevada
How to buy a house with no money for the down payment. USDA Rural Development offers a qualified borrower to buy a house in the approved lending area at 100% financing. Who does the USDA home loan purchase program in Nevada? here is the link to view with video https://youtu.be/rBYnxcWGhdk Learn more about the USDA purchase program in Nevada by watching the full video. There are approved lending areas in Nevada where the USDA home loan Rural Development program will lend on an existing property with no money for the down payment. here is the link to verify the property is in the approved lending area - https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do?pageAction=sfp check today's USDA home loan rate here - www.FastandEasyQuote.com   I Welcome the Opportunity to Assist you with an FHA, VA, USDA, Conventional or a Jumbo Purchase or Refinance Home Loan. I look forward in hearing from you, Nathan Rufty Mortgage Loan Originator Call or Text: 909-503-5600 eFax: 888-837-2861 NMLS #292056 - AZ - CA - NV - UT [email protected] www.NathanRufty.com www.FastandEasyQuote.com
Jan 17, 2023
15 min
How to Buy a House in 2023 without a down payment in California - Arizona - Utah - Nevada
Learn more about the USDA home loan program to buy a house in California, Arizona, Utah or Nevada with no money for the down payment.
Dec 28, 2022
8 min
Can I Buy a House Without Putting any Money for the Down Payment
California, Arizona and Utah on how Can I Buy a House Without Putting any Money for the Down Payment. The USDA home loan program offers a 100% financing of the purchase price, no money required for the down payment.
Dec 2, 2022
10 min
What is the required down payment to buy a house in California, Utah or Arizona
California, Utah or Arizona required for a down payment to buy a house with FHA, VA, USDA or Conventional (Fannie Mae or Freddie Mac)? Looking to buy a house and need to know what the down payment requirements are, this podcast will let you know the minimum required percentage amount. Here are other great videos to watch as well, Learn more about the USDA loan program with this video link https://youtu.be/rFXkaMBc858 All four programs are explained here: https://youtu.be/X6HV48fK4IU VA home loan program video: https://youtu.be/030Vzk9GGrU Check today's mortgage interest here: www.FastandEasyQuote.com  Please call, text or email me with any questions,  Nathan RuftyMortgage Loan Originator  Call or Text: 909-503-5600 eFax: 888-837-2861AZ, CA & UT NMLS #[email protected] Out Our Rates Privacy: This email may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses
Nov 30, 2022
5 min
How to Buy a house with no money for the down payment on the USDA RD program in California. Arizona & Utah
Arizona, California, Utah no money down payment purchase home loan program known as the USDA RD Program. You, if qualified and eligible to buy a house on the USDA purchase loan with no required down payment.   Listen to the whole podcast to learn more about the USDA program in California, Arizona and Utah, also below are some great links to find the eligible lending areas.   USDA video explained link here: https://youtu.be/vdCBGpPV198 Steps on buying a house: Step 1 of 3 = https://youtu.be/0duPzia1Ez4 Other loan programs if not the USDA: https://youtu.be/X6HV48fK4IU Check USDA home loan interest rate here: www.FastandEasyQuote.com   Please call, text or email me with any questions,  Nathan RuftyMortgage Loan Originator  Call or Text: 909-503-5600 eFax: 888-837-2861AZ, CA & UT NMLS #[email protected]   Privacy: This email may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses
Nov 28, 2022
8 min
Want to buy a House In California, Arizona or Utah, know which home loan program is right for you
Buying a House In California, Arizona or Utah, know which home loan program is right for you when buying. This podcast will review the income, debt ratio and down payment on the FHA, USDA, VA and Conventional (Fannie Mae or Freddie Mac). Want to buy a house and do not know which program is best for your financial situation, listen to the entire podcast, call me and we can discuss program further.    Please call, text or email me with any questions,  Nathan RuftyMortgage Loan Originator  Call or Text: 909-503-5600 eFax: 888-837-2861AZ, CA & UT NMLS #[email protected] Out Our Rates Privacy: This email may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses
Nov 9, 2022
23 min
How much money do I need to buy a house - Part 3
How much money do I need to buy a house, this podcast and the video link below will go through the steps on where the verifiable funds can come from to purchase or refinance a house. Any assets to be used to qualify for a home loan must be verified monthly statements (all pages) with two months or quarterly statement from checking, savings, stocks, bonds, IRAs, 401K, Retirement plan, Gift funds, Money Market, Mutual Funds and many other.   Call me and let's discuss your asset paper trail  here are the two other podcast links below in the series Podcast #1 Credit: https://www.podbean.com/ew/pb-8rm7h-1303552 Podcast #2 Income: https://www.podbean.com/ew/pb-6ydna-1303555 Video on what the cost to buy a house https://www.youtube.com/watch?v=kJcwb86hKC0   Nathan RuftyMortgage Loan Originator  Call or Text: 909-503-5600 eFax: 888-837-2861AZ, CA & UT NMLS #[email protected] Out Our Rates Privacy: This email may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses
Nov 3, 2022
9 min
What kind of income do I need for a home loan - Part 2
What income do I need to qualify for a home loan with VA, FHA, USDA and Conventional (Fannie Mae or Freddie Mac). Any income to be used to purchase or refinance a home needs to be able to be verified with proper documentation such as: Paystubs, W2s, completed and filed Federal Returns Tax, Award statements, Pension statement, Alimony and Child Support income. There are many others types of income you may receive that will need to be verifiable.    Can not be stated income, all income must be verifiable that will be used to qualify for the home loan.  Call me and let's discuss your income situation  Here are the other two podcast below in the series  Podcast #1 Credit: https://www.podbean.com/ew/pb-8rm7h-1303552 Podcast #3 Assest: https://www.podbean.com/ew/pb-8fwxt-1303558   Please call, text or email me with any questions,  Nathan RuftyMortgage Loan Originator  Call or Text: 909-503-5600 eFax: 888-837-2861AZ, CA & UT NMLS #[email protected] Out Our Rates Privacy: This email may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses
Nov 3, 2022
10 min
What Credit Scores do I need to buy a House - Part 1
There are two parts to determine your credit rating, the mortgage credit score and what is in the body of the report such as bankruptcy, collections, judgements, foreclosure, how may open trade lines, payment history. You may have lendable credit scores but what is the body of the credit report may hinder your ability to obtain a home loan. Credit is everything in the lending industry, need to review your mortgage related credit report and see what needs to be addressed if anything at all to improve your all over credit profile. Call me and let's discuss your credit profile. Here are the other two podcast below in the series  Podcast #2 Income: https://www.podbean.com/ew/pb-6ydna-1303555 Podcast #3 Assets: https://www.podbean.com/ew/pb-8fwxt-1303558 Nathan Rufty  Mortgage Loan Originator  Call or Text: 909-503-5600 eFax: 888-837-2861AZ, CA & UT NMLS #[email protected] Out Our Rates Privacy: This email may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses
Nov 3, 2022
14 min
Should I Buy a House in Utah Right Now
Should I Buy a House in Utah in 2022? It does not hurt to explore your options to buy a house, you will be informed on your purchasing power or if not in the position to buy then you will at least know what yo do in terms of income, credit and assets to be in the position to buy in Utah at a later date. Check out the USDA home loan program with the video here. https://www.youtube.com/watch?v=SN9qzN71j6U The Usda loan program in Utah is a great no money down payment purchase home loan.   Please call, text or email me with any questions,  Nathan RuftyMortgage Loan Originator  Call or Text: 909-503-5600 eFax: 888-837-2861AZ, CA & UT NMLS #[email protected] rate HERE Privacy: This email may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses
Oct 10, 2022
17 min
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