Mortgage101

Should I buy a house in Arizona in 2022? It is always a good time to buy a house in Arizona, if you have the credit, income and assets to buy, let's explore your options to see what you can pre-qualify for, at least if can not purchase now, then you will know what you need to do in order to buy in the future.

Values go up and down, real estate is one of the best long term investment to own. Rates go and down as well, if the interest rates are now you can look at refinancing at a later date.

Call and let's explore your options, does not hurt to have a conversation about buying.

 

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]

www.FastandEasyQuote.com

 

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

the question is - Should I buy a house in California right now, it does not hurt to explore your options to see if you can buy now and if not you will know what you will have to do it terms of credit, income and assets.

 

Call me and let's have a conversation about your options. 

 

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

How to buy a house in the mountain community in the San Bernardino County in Southern California. Want the ability to buy a house with no money for the down payment? Explore the USDA home loan purchase program.

Link to check approved USDA lending areas: https://eligibility.sc.egov.usda.gov/...

Check out the USDA mortgage Interest Rates at the link below www.FastandEasyQuote.com

Click on the Image Below to watch a video about the USDA home loan program that is available in Angelus Oaks, Big Bear City, Big Bear Lake, Blue Jay, Cedar Glen, Cedarpines Park, Crestline, Fawnskin, Forest Falls, Green Valley Lake, Lake Arrowhead, Lyle Creek, Rim Forest, Running Springs, Sky Forest, Sugarloaf, Twin Peaks and Wrightwood.

Limited on funds to buy a house, then the USDA home loan program may be the program for you. The property must be in an approved lending areas, watch the video to learn more about those approved lending areas. 

The benefits to the USDA purchase program is there is no money required for the down payment, can finance the closing cost if the appraised value comes in higher than the agreed upon purchase price. 

USDA program offers great rates to buy a house with limited funds to buy a house, if you are looking to buy an owner occupied property in California within San Bernardino County, what the enclosed video to learn about a great purchase program where you can own a home with very little money. 

Connect with me at 909-503-5600 to learn more about the USDA home loan program and see if this program is for you and if you qualify for the program. I look forward in hearing from you.

 

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

Looking to buy a new construction home in Fontana, CA or Surprise AZ, and asking yourself what are the pros and cons going with the builder's preferred mortgage lender.

I hope to clear this question up for you. At the moment it is not worth using the builder's preferred lender to help you with your home loan. After listing to this podcast, let's connect and discuss some of your financing options for your new home in Fontana, CA or Surprise, AZ

 

Please call, text or email me with any questions, 

Nathan RuftyMortgage Loan Originator 

CA Call or Text: 909-503-5600

AZ Call or Text: 623-850-1210eFax: 888-837-2861CA & AZ NMLS #[email protected]

www.FastandEasyQuote.com

 

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

Looking to buy a house in 2021 in California or Arizona but the housing market is too high? Time to re-evaluate your current financial situation. 

We have only one of two markets, a seller's market or a buyer's market and at the moment we are in a seller's market. Where we have more buyers than houses for sale in California or Arizona. Unless you need to really buy a house look at your current status in terms of credit, income, and funds to close escrow.

Let's connect if you are looking to purchase in California or Arizona, I welcome the opportunity to assist you with a home purchase.

Please call, text or email me with any questions,

Nathan Rufty

Mortgage Loan Originator

CA Call or Text: 909-503-5600

AZ Call or Text: 623-850-1210

eFax: 888-837-2861

CA & AZ NMLS #292056

[email protected]

www.NathanRufty.com

www.FastandEasyQuote.com

 

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

Looking to buy a house in California or Arizona and limited on money for the down payment. Here are three purchase loan programs that you can explore.

In this Podcast, we will review the VA home loan, USDA Home loan, and Down Payment Assistance loan programs. I welcome the opportunity to discuss with you these three loan programs to be able to buy a house in Arizona or California. 

Please call, text or email me with any questions, 

Nathan RuftyMortgage Loan Originator 

CA Call or Text: 909-503-5600

AZ Call or Text: 623-850-1210eFax: 888-837-2861CA & AZ 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

Refinance home loan in California and Arizona. Want to explore your option of a home-refinance to shorten the term, lower the interest rate, or take cash out for any reason. It is time to speak with a full-time career mortgage professional about your financial situation.

Each borrower's financial situation is different, not one product fits all, that is more the reason to connect with a licensed mortgage loan originator to explore all your options so her or she can present you (not sell) your loan options based on your income, credit, assets, and loan to value. 

I welcome the opportunity to be that mortgage loan originator to discuss your refinance goals for property in California or Arizona.

Nathan RuftyMortgage Loan Originator 

CA Call or Text: 909-503-5600

AZ Call or Text: 623-850-1210eFax: 888-837-2861CA & AZ NMLS #[email protected] Out Our Rates

I am thinking of refinancing my house, but when is it a good time refinance? You may be asking yourself this question and looking for some guidance. Everyone's financial situation is different when it comes to refinancing your house.

Are you looking short your term to pay the house off sooner, looking to reduce your rate and payment, need to pull money out to payoff debt or do some home improvement projects? Let's explore some of these by listening to this Podcast. 

Please call, text or email me with any questions, 

Nathan RuftyMortgage Loan Originator 

CA Call or Text: 909-503-5600

AZ Call or Text: 623-850-1210eFax: 888-837-2861CA & AZ 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

How to refinance your house without an appraisal on a rate and term or cash-out refinance. 

 

Fannie Mae look up- https://www.knowyouroptions.com/loanlookup

Freddie Mac loo up - https://ww3.freddiemac.com/loanlookup

 

Please call, text or email me with any questions, 

Nathan RuftyMortgage Loan Originator 

CA Call or Text: 909-503-5600

AZ Call or Text: 623-850-1210eFax: 888-837-2861CA & AZ NMLS #[email protected]

What is a HELOC - Home Equity of Line of Credit and do I want one? HELOC is a 2nd lien and also can be a first mortgage lien on your primary property. We need to weigh the pros and cons of a HELOC to see if the benefits outweigh redoing the first mortgage for the cash you are seeking to pay off debt or do some need home improvement projects. 

Please call, text or email me with any questions, 

Nathan RuftyMortgage Loan Originator 

CA Call or Text: 909-503-5600

AZ Call or Text: 623-850-1210eFax: 888-837-2861CA & AZ NMLS #[email protected] Out Our Rates

Privacy: This e-mail 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