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THE FHA
LOW INTEREST RATE PLUS
NO LENDER CLOSING COSTS
PROGRAM!
WHERE WOULD YOU PREFER YOUR MONEY TO BE? IN YOUR POCKETS OR THE POCKETS OF YOUR LENDER?
Are you a first time home buyer? Are you purchasing a new home with a minimum down payment, 3.5% or less? Would you like to keep as much of your money with you and still get a great low interest rate? Are you going to utilize FHA, VA or USDA as your choice of mortgage programs? Is your credit score at a 660 score or higher? Is your mortgage going to be a 30 year fixed rate mortgage? Is your loan amount going to be $80,000 or more?
YOU DON'T HAVE TO BE A FIRST TIME HOME BUYER!
If you answered yes to all these questions then allow me to introduce you to the FHA No Lender Closing Costs, Low Interest Rate Mortgage Program. Wouldn't it be great if you could buy your new home with as little money out of pocket and still have a GREAT INTEREST RATE? Well now you can!
WHAT WOULD YOU DO WITH AN EXTRA $1100.00?
The average lender closing costs in our area is about $1100.00, this includes the cost of the appraisal, credit report, underwriting fees, processing, and a whole mix of other costs that most lenders charge you to take your mortgage application from start to finish. What would you do with this extra money if you had it in your pockets when you closed on your new home?
Consider all the items you will need for your new home, would an extra $1100.00 help keep those expenses off your credit cards, would this extra money help to get you those items sooner?
NO LENDER CLOSING COSTS IF:
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FHA/VA/USDA RURAL DEVELOPEMENT Approved Borrowers
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Credit Score 660 or higher (consideration for a 640 to 659 credit score with possible adjustments to be applied)
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Loan Amount of $80,00 or higher (consideration for lower loan amounts with possible adjustments to be applied)
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30 year fixed rate mortgage
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Not applicable to MHDC
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Close your mortgage with Bob Rutledge and USA Mortgage
That's it! Yes, it is that easy and simple to get a low interest rate and save money on the mortgage for your next new home!
OUR INTEREST RATES
I cannot promise you that I can offer you the absolutely lowest interest rate for a 30 year fixed rate mortgage for a FHA, VA or USDA home loan. But, I will be within 1/8 to 1/4 of a percent of the lowest interest and with no lender closing costs this means bigger savings for you.
The difference of 1/8 of a percent between interest rates on a 30 year fixed rate mortgage on a loan amount of $125,000 equates to less than $10.00 per month.
The difference of 1/4 of a percent between interest rates on a 30 year fixed rate mortgage on a loan amount of $125,000 equates to less than $18.75 per month.
Of course it would be better if you could have that extra savings in your pocket every month when you make your house payment. But, if you had the extra $1100 in your bank account you could dip into it for 110 to 59 months, respectively, to make that extra payment. If your interest rate is 1/8 to 1/4 percent higher but saved you $1100 it would take anywhere from 5 to 9 years to break even.
WHAT IF?
I'm not telling you I will be higher than the lowest interest available but I will be very near the lowest interest rate and I will provide the best lender closing costs. There will be times that I will be able to be the lowest interest rate plus NO LENDER CLOSING COSTS now that is a WIN WIN! What if you could have that mortgage deal waiting for you right now.
SAVE MORE!
Okay, you have now saved by not having to pay lender closing costs, how would you like to have all your closing costs paid for you?
How would you like to have most or all of your required down payment given to you?
I would you like to buy your next new home with no out of pocket expenses, have your closing costs paid for you and have your down payment provided to you?
Yes, all of these scenarios are available to half the home buyers today! Are you one of them?
WANT TO LEARN MORE?
My name is Bob Rutledge, I have been a mortgage loan officer for nearly 20 years, every week day I can be found at USA Mortgage from about 8:00 am to 5:00 pm, I encourage you to call me at 314-628-2218. Getting the best deal for your home mortgage is what every new home buyer is looking for let's talk and see what we can do for you.
If you can't find the time to call me then please fill out the form below.
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