Can you pay off debt when buying a house to qualify for more?

Posted on September 29, 2014 by Ray Williams (NMLS #216267). Tagged: , , , , ,

A very interesting thing is happening. It reminds me of when I bought my first home. This is how that went down. I had sufficient money to make a 5% down payment on a house saved. However, I also had some consumer debt (car, credit cards….). Now one might say putting less down on a house […] …read more

Common Misconceptions When Purchasing Home

Posted on August 22, 2014 by Ray Williams (NMLS #216267).

There are some very common misconceptions when purchasing a home.  Now,if you are buying a home for the first time it can seem a little overwhelming and your are probably unsure of where to begin.  This is completely normal, don’t fret! Buying a home is probably the biggest financial decision you will make in your […] …read more

Loan Options for Every Home Buyer

Posted on June 9, 2014 by Ray Williams (NMLS #216267).

There are loan options for every buyer and it seems one of the most popular inquiries I receive is the need for down payment assistance (DPA). There are a few different options available to buyers, and not only first time home buyers. Right now really is a great time to purchase; there are many different outlets for […] …read more

Get Your MCC

Posted on March 11, 2014 by Ray Williams (NMLS #216267). Tagged: , , , ,

Have your heard of the MCC? The Mortgage Credit Certificate. If you haven’t and you are a first time home buyer or a Veteran you need to learn about it. This tax credit gives you the opportunity to put more money in your pocket. Literally. Here is an example of how: Loan = $270,000 Rate […] …read more