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Bell Moving Forward Advantage The Bell Moving Forward Advantage Program, eligible for minority borrowers* only, might be just what you need to make your dream of homeownership come true. Bell is committed to building a more diverse future in homeownership with Bell Moving Forward Advantage. Program Highlights: Eligible for minority borrowers* only
Qualifying income may not exceed 100% Area Median Income
Maximum 97% Loan to Value
Can be paired with Bell Moving Forward Downpayment Assistance Loan or other downpayment programs
620 min. credit score
Subject to credit approval. Primary residences only. Income restrictions apply. *Available for borrowers identifying as a minority as defined by regulatory designations listed on the initial loan application. Must not own other property. Program guidelines are subject to change without notice. Other restrictions apply. Available in the following markets: AZ, CO, FL, KS, MO, MN, ND, NM, TN & WI.
Contact me for terms and conditions, and let’s fulfill dreams together!
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Affordable Products from Bell Bank Mortgage
Be11tm)eank Mortgage
Here's a quick reference guide on the different affordable mortgage programs we offer that could help you buy a home. Bell Moving Forward Advantage - Provides a first mortgage program for minority borrowers*who may not qualify for a mortgage under traditional credit terms. Bell Moving Forward Downpayment Assistance - Downpayment assistance loan that provides eligible borrowers a 2% monthly payment loan to help with their downpayment and closing costs. Freddie Mac Home Possible®/ Fannie Mae HomeReady® - 3% down Conventional first mortgage programs that helps low-to-moderate income borrowers. Very low income borrowers are eligible for a $1,500 grant through the Freddie BorrowSmart® program. Bell HomeAssist - A first mortgage program that offers a lower interest rate for first-time home buyers who meet income requirements. FHA - Take advantage of a lower interest rate, down payment as low as 3.5% and up to 6% seller concessions.
0 Many of these programs can be paired with local downpayment assistance programs too!
"Available for borrowers identifying as a minority os defined by regulatory designations listed on the initial loan application. All loans are subject to credit approval. Income and property location restrictions may apply. Program guidelines are subject to change without notice. Not all products are available in all markets. Other restrictions apply.
Homeownership is Possible! Contact me to get more detailed information on any of these programs.
How Assets Can Help You Qualify for a Mortgage Active income is not the only way to qualify for a home loan. If you have assets, such as money in your bank account, retirement accounts, stocks, and bonds, you may qualify for a mortgage. Using asset dissipation - also known as asset-based lending - you may even qualify for a long-term fixed-rate mortgage. To figure out what your assets equal in qualifying income: If you're over age 59 1/2, take 80 percent of your total assets and divide that number by 180. If you're under age 59 1/2, take 70 percent of your total assets and divide that number by 180. For Example:
If you're 60 years old, you would take 80 percent of that $1 million, so $800,000, and divide it by 180 months to get a "qualifying monthly income" of $4,445.
If you're 50 years old, you would take 70 percent of that $1 million, so $700,000, and divide it by 180 months to get a "qualifying monthly income" of $3,889.
Even if you're retired, you can still qualify for a mortgage, and your nest egg can help you do it!
BELLBANKMORTGAGE.COM Maximum 42% debt-to-income and minimum 700 FICO credit score. Other restrictions and product guidelines may apply. Contact your Bell Bank Mortgage loan officer for details.
Bell Moving Forward Downpayment Assistance Loan Whether you're a first-time homebuyer or looking for your next home, our Bell Moving Forward Downpayment Assistance Loan might be just what you need to make your dream of homeownership come true. Bell is committed to helping make homeownership a reality with a Bell Moving Forward Downpayment Assistance Loan. Program Highlights: 2% Downpayment Assistance monthly payment loan to be paired with a 97% Loan to Value (LTV) first mortgage Available to buyers who qualify for Fannie Mae HomeReady, Freddie Mac HomePossible, Freddie Mac BorrowSmart or Bell Moving Forward Advantage first mortgage. These down payment assistance programs (DPAs) allow you to qualify with 1% down and even have that down payment gifted or granted from local DPAs. And that’s where I come in to look at your unique situation to find out all of the best options for you.
Homebuyer Education Required. First mortgage must be part of the approved eligible programs available. Subject to credit approval. This is a 2nd lien mortgage available on conforming purchases for 1 unit primary residence properties in conjunction with eligible 1st lien mortgage product. 1st mortgage required to have 97% loan to value. Income restrictions apply. Available in the following markets: AZ, CO, FL, KS, MO, MN, ND, NM, TN & WI Program guidelines are subject to change without notice. Other restrictions apply.
Contact me for terms and conditions, and let’s fulfill dreams together!
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Doctor Loan Program ... for medical physicians, dentist and even residents. Here's what you need to know:
NO Mortgage Insurance is required with only 5% down, 10% down or even the 15% down payment options. Program Details: Conventional programs -- jumbo and conforming loan options Fixed and adjustable rate mortgage options Available for the purchase of one-unit primary residences (Single family home or condo*)
Eligibility Minimum 720 credit score required Loan to value requirements*: 5% down up to $1,000,000 1976 1982 1992 2002 10% down from $1,000,000.01-$1,500,000 15% down from $1,500,000.01-$2,000,000
I'd like to help your clients learn more about all of their options. Contact me today for more 2010 2020 2023 information!
*Condos require an additional 5% down. Other qualifying requirements and restrictions apply. Second mortgages only allowed through external financial institutions. Available in AZ, CO, FL, KS, MN, MO, ND, NM, TN, WI.
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Bellim)Bank Mortgage
Hlow a Family Opportunity Mortgage Could Help You Hellp your disabled child or parent buy a home
Usually, buyers face higher interest rates if a home isn't "owner-occupied." Yet there are two big exceptions that could help your family with a purchase. Who qualifies? A Family Opportunity Mortgage can help you buy a home for:
0 ©
An adult child who is disabled A parent who doesn't have enough income
Program benefits • Get the same rates and fees as buying for yourself • The loan is in your name • Down payment as low as 5% With the cost of assisted living facilities climbing, this can be an ideal program for many families. It can help you save money while providing a comfortable place for your child or parent to live Subject to credit approval. Program guidelines are subject to change without notice. Other restrictions apply.
Contact me f01r more details
- LENDER
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Freddie Mac Borrowsmart
®
As one of the few lenders to offer the Freddie Mac’s BorrowSmart® program, Bell Bank Mortgage is here to help you through the process of applying for grants to cover down payments or closing costs. Borrowers whose qualifying income is less than or equal to 50% of county area median income (AMI) can receive $1,500 in assistance. Follow these steps to stay organized along the way:
Step-By-Step Process: Step 1: Complete a phone call with Homeownership Preservation Foundation (HPF). Your loan officer will connect you with HPF for the call. HPF will gather your information, complete the eligibility certificate and email it to you. Step 2: Email the eligibility certificate to your loan officer. Step 3: Complete pre-purchase homeownership counseling. After scheduling a time that works best for you, an HPF housing counselor will call you for your 1-on-1 counseling session. (Expect this to take 60 to 90 minutes; only one occupying borrower must participate.) Your counselor will email the pre-purchase homeownership counseling certificate to you. Step 4: Email the pre-purchase homeownership counseling certificate to your loan officer. Step 5: Wait for further details from your loan officer. Subject to credit approval. Income restrictions apply. Primary, 1-2 unit residences only. No manufactured homes. Program guidelines are subject to change without notice. Not available in all markets. Other restrictions apply.
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Buy a Home for Less Than 20% Down You’ve probably heard it said that you need 20% ready for a down payment when you buy a home. Yet these days, there are so many different loan options. At Bell Bank Mortgage, we have several loan programs that provide qualified borrowers with less than 20% down:
Loan Program
Down Payment
USDA
0%
VA
0%
Conventional – Home Ready Home Possible (also Home One)
3%
Bell Moving Forward – Qualified borrowers pay as little as 2% down*
2%
FHA
3.5%
*Subject to credit approval. Income restrictions may apply based on property location. Not available in all markets.
Our loan officers know that every buyer’s situation is unique. We’ll work with you to fit a loan that fits you and make the dream of homeownership a reality. Find out if you’re eligible for a down payment below 20%. Talk to a Bell Bank loan officer today.
Do Your Clients Need to Update their Home? Then they can Roll Remodeling Costs into their Mortgage Step-By-Step Process If your client is looking to upgrade their home via repairs or cosmetic updates, a rehab loan from Bell let's will roll the cost of these modifications directly into their home financing. Take that fixer-upper one step closer to an ideal home with our simple and straightforward Rehab Program - available for upgrades to you clients current home or to a home they’re looking to buy.
Program Details Eligibility of contractor must be confirmed by Bell Bank Mortgage. All repairs must be completed by a single contractor*. The borrower is not permitted to complete any repairs themselves. Allowable improvements limited to 75% of future value appraisal or acquisition cost, whichever is less.
Simultaneous work outside the scope of the approved rehab is not allowed. $5,000 project minimum. The home appraisal will be conducted based on the rehab project plans, and an "ascompleted" value will be determined. After a standard loan application process and successful closing, a 365-day period is allotted for the rehab work to be completed.
Eligibility Primary residence or 2nd home owner-occupied properties only. A contingency reserve of 10% of the bid amount, or a minimum of $1,000, is required; this can either be finance or paid in cash by the borrower at closing. 15-20% contingency is required if utilities are inoperable.
Minimum 700 credit score required. Available on conventional, fixed rate loans; maximum loan amount restrictions apply**. Maximum LTV is 95%
Call me today to help transform your clients "not quite" to "just right!" *A subcontractor may be permitted for specialty work such as septic system or mold remediation. **Loan amount includes purchase loan, rehab loan, and, if financed, contingency reserve. Contact me for bid requirements, eligible work items, and contingency reserve refund details. Subject to Underwriting approval. Not available in all markets.
Updated 9.26.22
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Seller Concessions Cheat Sheet: Seller concessions are closing costs that the seller agreed to pay. Contribution type
Max. Seller Contribution
Closing Costs, Prepaid Items, & Discount Points
3% 6% 9%
15% or More
Closing Costs, Prepaid Items, & Discount Points
2%
3.5% or More
Closing Costs, Prepaid Items, & Discount Points
6%
Loan Type
Property Type
Down Payment Less than 10%
Conventional
Primary & Secondary Home
More than 25%
Investment
Conventional
FHA*
Primary
10-25%
Closing Costs, Prepaid Items, & Discount Points VA*
Primary
N/A** Can Include Debt Payoff
USDA
Primary
Unlimited (Up to 2 discount points)
N/A
Closing Costs, Prepaid Items, & Discount Points
4%
6%
*Some state and county maximum loan amount restrictions may apply **When the Veteran has full entitlement
Updated 11.3.22
Tax Season Are you prepared for your 2023 tax filing? You will need your new home’s settlement statement to file taxes. You can find that statement in the closing disclosure package that you received when you flosed on the home. Your settlement statement will also provide you with the information you’ll need to claim a deduction* on interest charged on your home loan. If you cannot locate your settlement statement, I’m here to help! Please reach out to me via phone or email and together, we’ll get you more ready to file. Cheers to a wonderful 2024! *Consult a tax advisor for further information regarding the deductibility of interest and charges.
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Does Your Dream Home
Come With a Pool? To beat the heat, Bell Bank Mortgage allows you to add pool financing to your mortgage loan. Even existing homes can be upgraded with our simple and straightforward Pool Escrow Program.
Program Details Upgrade your home with the addition of a pool in one easy step. Bell Bank Mortgage offers financing for pool additions on a wide variety of home types.
Product Highlights Available for purchases and refinances. Available for new construction and existing homes. No additional closing costs. Flexible pool construction schedule.
Eligibility Minimum 700 credit score required. Conventional conforming loans only. Funds to complete pool construction to be held in escrow. A construction contingency reserve of 10% of the bid amount, or a minimum of $1,000, is required; this can either be financed or paid by the borrower at closing. $60,000 project maximum. $5,000 project minimum.
Call me today for more information!
Not available in all markets.
Updated 9.20.22
A Non-Contingent Home Offer May Be Easier Than You Think If you're looking to buy a new home while trying to sell your current home, we can help make the offer on your new home more attractive, with no hassle, minimal cost and flexible options! Don't worry about missing out on the home you really want - even if you still have to sell your current home. We offer short-term bridge loans to help ease your transition between homes. We even have programs that allow you to make a principle reduction and lower your monthly payment on a Bell serviced loan by "recasting" your loan. During the recast process, our in-house mortgage servicing team can help you figure out monthly payments that work with your goals. Plus, if you want to reduce the principal to remove private mortgage insurance, we can help with that too!*
Questions? I've got answers. Give me a call, and I'll explain how I can make a non-contingent home offer work for you. *Loan must have an LTV of 80 or below for PMI removal. Additional Restrictions apply. Talk with your mortgage lender for more details.
Updated 9.26.22
Reduce Mortgage Payments with Temporary Buydown
2-1 BUYDOWN
Bell Bank Mortgage can help you lower your monthly mortgage payments for the first 24 months of your loan and build in mortgage flexibility.
5.250% 7.289% APR Year 1 Monthly Payment: $1,836.08
6.250% 7.289% APR Year 2 Monthly Payment: $2,047.26
7.250% 7.289% APR Year 3-30 Monthly Payment: $2,268.24
Payment estimates do not include taxes and insurance; therefore the actual payment obligation will be greater. Rate information is current as of 10/24/22 and based on a 740 credit score and a 30-day rate lock. Rates and payments displayed in the table are estimates based on typical monthly principal and interest payments based on a $350,000 purchase price with a 5% down payment. Rates are based on borrowers’ ability to qualify and are subject to market fluctuations which may change the rates without notice. This is not a commitment to lend.
Highlights & Details This program can help you: Temporarily lower your monthly payment Keep the temporary payment for up to 2 year's while adding the upgrades you want Through buydown financing, the seller can pay up front at closing to temporarily reduce your monthly payment.
Contact me for details! FHA and conventional conforming loans eligible - conventional example above | maximum DTI 43 percent |minimum FICO 660 | purchase only | 1-unit properties only | primary residence | buydown duration cannot exceed 24 months | increase must be 1 percent | buydown can be paid by seller or lender (above example only reflects a seller paid buydown) | buyer-funded temporary buydown not allowed | loan term restrictions apply.
Updated 10/24/22
Trade Someday for Today
Say YES to Your First Home! We’re here to simplify the home-buying process, educate you every step of the way and show you options for getting into a home with a low down payment and competitive interest rates.
Your Journey Home Meet with a Loan Officer Discuss financial goals such as a comfortable payment range, assets you have set aside for the purchase, and type of home you are looking for (i.e. townhouse, condo, single-family dwelling).
Get Pre-Approved Apply on your loan officer’s website, and we will gather your credit information and all relevant financial documents from you to determine the best loan program options.
Go Shopping Tour homes that fit what you’re looking for and make an offer with your realtor. Contact your loan officer for payment information on specific properties while you shop.
When Your Offer Is Accepted Lock in your interest rate, sign disclosure documents sent to you and submit updated documents for final loan approval.
Close on Your Dream Home! Review Closing Disclosure (CD), funds needed, and documentation to bring to close. On closing day, you will sign the final documents with the title company and receive keys to your new home!
Updated 9.16.22
Trade Someday for Today Say YES to Your First Home! Working as a team throughout the mortgage process, your Bell Bank Mortgage loan officer will be in constant communication with you about application stages and documentation requirements. The next weeks and months can present a lot to keep track of, so we’ve prepared this home-buying timeline to keep you on track and in-the-know throughout the process.
First Steps
Develop a personal checklist, including: Features you’re looking for Locations Budget Personal goals Submit your application, and get preapproved. Do not apply for any other credit or make any significant purchases on credit. You don’t want your credit checked unnecessarily, as it could negatively impact your credit score. Choose your realtor, and begin your home search.
When You’ve Found a Home You Love
Make an offer on the best house for you. After your offer is accepted, we’ll update your financial documents and you’ll receive a Loan Estimate (LE) package. Choose a home inspector, and schedule an inspection immediately. Call a moving company to make arrangements, if you’re using one.
Once Your Closing Date is Set Start packing – it’s really happening! Arrange homeowners insurance, and have your agent contact us. We need to have this information at least 14 days prior to closing.
One Week Before Closing File address changes with financial institutions, creditors, doctors, insurance, post office, friends and family. Schedule the utilities for your new home to be transferred into your name. You will receive a preliminary Closing Disclosure (CD) by mail 3-4 days prior to closing. Revisions may apply.
24-48 Hours Before Closing
We will verify any final mortgage details with you including your cash-to-close funds. Typically, these will need to be wired; your loan officer will let you know if other forms of payment are accepted. Your realtor will arrange a walkthrough of your new home.
Closing Day
Sign final loan documents, and get the keys to your new home. File homestead classification as soon as possible, but no later than December 1 with your county.
Updated 9.16.22
Trade Someday for Today Say YES to Your First Home! Our goal is to give you a seamless loan process with as few obstacles as possible. Keeping these suggestions in mind will help keep your homebuying experience stress-free.
Ensuring a Successful Mortgage Experience Please avoid any of the following: Changing jobs, becoming self-employed or quitting your job. Spending money you have set aside for your home purchase. Purchasing or leasing a new automobile. Purchasing furniture, electronics, appliances or other costly items. Opening new bank accounts. Transferring funds between accounts. Making large deposits without first consulting with your loan officer. Any significant deposits outside of payroll will need to be documented. Missing payments, letting credit card balance grow or letting your accounts fall behind. Having your credit report pulled by other creditors. Co-signing any type of loan. Accepting gift funds for the down payment without talking to your loan officer first. (There are special steps for this process.) Keeping information from your Bell Bank Mortgage team that is important to your closing. From changes in marital or job status to travel plans before close, being upfront from the start will make the process easier!
Trade someday for today – contact me to learn more about buying your first home.
Updated 9.16.22
Let's partner to Empower Dreams Unlocking More Possibilities Your partnership with Bell means you can count on our experienced professionals throughout every stage of financing, from processing to underwriting and closing. I'm here for you, as a reliable partner, to help your clients avoid fine-print confusion and close on time. With unique loan programs and services, we offer opportunities for every client's situation.
In-House Portfolio Options* JUMBO Doctor & Dentist loans (95 LTV, no MI) HELOC Bell Moving Forward Downpayment Assistance loan - 2% Downpayment assistance monthly payment loan to be paired with a 97% LTV first mortgage
OTC Jumbo - Lock rate at time of application - New construction or total tear down - Flexible draw schedule - In-house processing and construction lending team - Max loan size $3M for Jumbo *Subject to market availability
Contact me today, so we can talk about the opportunity to work together and hand your clients the keys to a future filled with possibilities.
Updated9.12.23 9/14/22 Updated
Rural Development 0% Down Payment A powerful mortgage option with significant benefits for rural and suburban home buyers. Program Highlights No down payment required.*** Gift funds are permitted. Available for existing homes or new construction.*
Product Details The USDA Rural Development (RD) program offers low or no down payment options for low to moderate income borrowers looking to purchase, refinance or renovate an affordable home in designated, less-populated areas. The RD loan program is beneficial borrowers who meet the household income limits and have minimal down payment funds.
Eligibility Property must be in designated rural area as determined by the USDA. Income limits vary by property location and additional factors. Minimum credit score requirement 640.** Fixed Rate Mortgages Owner-occupied, single family properties only (including condos or townhomes). Buyers with bankruptcy or foreclosure may qualify after 3 years, with reestablished credit. *No agricultural properties permitted. **Exceptions may apply to lower credit scores. ***Guarantee fee and annual fee required. Additional fees may apply that can be financed meaning borrowers may finance greater than 100% of the purchase price. Interest on the portion of credit that exceeds the fair market value of the dwelling is not tax deductible for Federal income tax purposes. Consult a tax adviser for further information regarding the deductibility of interest and charges.
Call me today for more information!
Keep your Mortgage Process Flowing We want to make sure the home your financing is safe, especially when it comes to the water you’ll be using to wash, cook and drink. This is why we require a water test in many cases. See requirements below based on loan type:
Conventional Loans: Water tests are NOT REQUIRED UNLESS an issue or potential issue is noted on the appraisal or purchase agreement (PA). If the PA has a test requirement, it does not need to be submitted to underwriting, unless an issue is noted.
FHA Loans Water tests are REQUIRED for the following cases: New construction when a well is present An issue noted by the appraiser or on the PA Areas where water is reported to be unsafe or known to be unsafe Properties with wells located in close proximately to dumps, landfills, industrial sites or farms using pesticides or utilizing other hazardous wastes. NOTE: FHA has removed distance requirements between septic systems and wells.
VA or USDA Loans Water tests are REQUIRED for a purchase when a well is present.
Note for Required Water Tests If required, a water test must include metrics for: Lead Nitrates Coliform totals Nitrites E-coli Water samples must be taken by a licensed third-party company, NOT by realtors or borrowers. Eligible tests remain valid for 90 days.
Questions about water test requirements? Reach out to me:
Bell�Bank Mortgage
Why accept an offer from a Bell Bank mortgage client? We re happy to provide you with a pre-approval letter for 1 our client. Don t forget, an offer from a pre-approved client and a Bell lender can get everyone to the closing quickly. 1
•
Bell's responsible and efficient lending ensures a quick, accurate and smooth process through closing day.
• We ensure steady and reliable financing by handling the entire loan process in-house, from application to underwriting to funding. •
Bell utilizes and maintains our own appraisal panel. Our appraisals 1 aren t bid out for "cheapest and fastest." Rest assured, the panel selected appraiser assigned to appraise your home has been vetted to be knowledgeable with the neighborhood and the corresponding market.
• Our team executes quickly and properly - we can handle short time frames from offer to close. • We can turn an overwhelming and complex process into a straightforward and enjoyable experience for buyers and seller.
EOUAL HOUSING LENDER
bellbankmortgage.com
CO-BRANDED OPTIONS
SPANISH FLYERS VERSIONS CO-BRANDED OPTIONS
bellbankmortgage.com
Cambia algún día por el día de hoy
Diga SI a su Primer Hogar
Estamos aquí para simplificar el proceso de comprar una casa, educarlos en cada paso, y presentarle las diferentes opciones de obtener un hogar con un pago inicial bajo y tasas de interés competitivas
Su camino a casa Consulte un oficial de prestamos Hablar sobre metas financieras para encontrar un pago cómodo, los bienes preparados para su compra, y el tipo de hogar que busca (ex: casa adosada, condominio, vivienda unifamiliar).
Obtenga su pre-aprobacion Aplique en el sitio web de su prestamista, y nosotros obtendremos su crédito junto con los documentos financieros que sean necesarios para determinar las mejores opciones y programas para usted.
Vaya de compras Recorra casas que sean su estilo y metan una oferta con su agente inmobiliaria. Contacte a su prestamista durante sus recorridas para información sobre los pagos de las propiedades especificas.
Cuando su oferta sea aceptada Fijar su tasa de interés, firme sus documentos de divulgación, y envié sus documentos actualizados para obtener su aprobación final del préstamo.
Cierre en la casa de sus suenos Revise su divulgación de cierre, Fondos necesarios, y documentación para llevar al cierre. El día de cierre, firmara los documentos finales con la compañía de titulo y recibirá la llaves de su nuevo hogar!
32921
Cambia algún día por el día de hoy
Diga SI a su Primer Hogar
Su prestamista estará trabajando con usted como un equipo durante su proceso hipotecario. El/ ella estará comunicando cada paso y pidiendo los documentos necesarios. Las próximas semanas pueden presentar mucho que acordar, por cual la cronología presentada le ayudara seguir el proceso.
Primeros Pasos Crea una lista de verificación personal características que busca Lugares preferidos presupuesto metas personales Entregue su solicitud, y sea prea probado No solicite ningún otro crédito , ni realize compras importantes a crédito. Verificando su crédito innecesariamente puedo impactar su puntuaje negativamente. Escoja un agente de bienes raíces y empieze su búsqueda de hogar
Cuando encuentre la casa que ama Haga una oferta en la casa major para usted Después que su oferta sea aceptada, actualizaremos sus documentos financieros y usted recibirá su presupuesto de préstamo Elija un inspector de viviendas y programe una inspección de inmediato. llame y prepare una empresa de mudanzas, si tienes planes de usar una
Una vez que se establece su fecha de cierre Empieze a empacar – realmente esta sucediendo! Obtenga seguro de vivienda. Su agente de seguro puede contactarnos por que necesitaremos los detalles a lo menos 14 días antes del cierre.
Una semana antes del cierre Registre cambio de domicilio con sus instituciones financieras, acreedores, doctoras, seguros, oficina de correos, amigos, y familia. prepare la transferencia de sus utilidades a su nueva propiedad bajo su nombre Recibirá una divulgación de cierre preliminar 3 o 4 días antes del cierre. Revisiones pueden aplicar
24 a 48 horas antes del cierre Los detalles finales de la hipoteca serán verificados, incluyendo los fondos requeridos al cierre. Típicamente el dinero es transferido electrónicamente; puede haber otras formas de pago dependiendo en la compañía de titulo. Su agente inmobiliaria organizara el recorrido final de su nuevo hogar.
Dia De Cierre Firmara los documentos finales, y se le entregaran la llaves de su nuevo hogar Presentar la clasificación de vivienda familiar tan pronto como sea posible, pero a más tardar el 1 de diciembre en su condado.
Cambia algún día por el día de hoy
Diga SI a su Primer Hogar
Nuestra meta es hacer su proceso lo mas fácil posible. Acordando estas sugerencias ayudara la experiencia de comprar un hogar sin estrés.
Asegurando una Experiencia Hipotecaria Exitosa Por favor de evitar lo siguiente Cambio de trabajo, renunciar su trabajo, o convertirse en trabajador por su propia cuenta Gastando dinero que fue ahorrado para la compra de su casa Compra o arrendamiento de un nuevo automóviles compra de muebles, electrónicas, accesorios o otros artículos costosos Abrir nuevas cuentas banquearías Transferir fondos entre cuentas Haciendo grandes depósitos sin primero consultar a su prestamista. Cualquier deposito significativo fuera de la nomina, tendrá que ser documentado. Faltando pagos, aumento de saldo en su tarjeta de crédito, o dejando que sus cuentas se atrasen Evite que le revisen su crédito consignar qual quier tipo de préstamo Aceptando fondos como regalo para sup ago inicial sin primero consultar a su prestamista. (este proceso tiene medidas especiales) Esconder o retener información importante que pueda afectar su préstamo. Siendo completamente sincero y transparenté en todo ara el proceso mas fácil. Cambia algún día por el día de hoy – Comuníquese con su prestamista de Bell Bank Mortgage y aprenda mas sobre como comprar su primer hogar.
