Barclay Butler Financial Inc.

March 15, 2023

PORTFOLIO LOANS

FOR SUB PRIME, STATED INCOME, CONDO HOTELS, CO-OP’S, NON-WARRANTABLE CONDOS AND FOREIGN NATIONALS

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March 15, 2023

REFINANCE

OUT OF YOUR HIGH FIXED RATE OR GET CASH OUT…

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March 15, 2023

FEDERALLY GUARANTEED

FHA,VA OR USDA LOANS..

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March 14, 2023

FHA has lowered the monthly mortgage ins. premiums, time to refinance or purchase.

You could save hundreds of dollars by refinancing without lowering your current rate. How can this be? FHA just lowered the monthly mortgage insurance premium from 85% to .55% per year if you are over 95% LTV. This is almost 1/2 of what it used to be. Example: if you have an FHA mortgage with .85% premium and you mortgage […]

203- K mortgage 0 1 min read

March 14, 2023

3% down conventional mortgage, min. credit score 620.

You can now put down 3% when buying a home if you have at least a 620 credit score. If you are buying a home the 3% down payment can be all given to you as a gift from a family member, and if you have the seller pay your closing costs you can now buy a home with a […]

3 percent down payment 0 1 min read

March 14, 2023

Can you get a home loan after you did a loan modification or mortgage modification.

You can get a mortgage after you have done a loan modification. Loan modifications were quite popular starting in 2009 through 2013. You are not seeing nearly as many since the beginning of 2014. Depending on what you did to your loan when you modified it depends on how long you have to wait if at all, after the loan […]

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March 14, 2023

FHA mortgage should I use Fannie Mae or Freddie Mac.

People do not realize that 95% of all lenders use Fannie Mae to get loans approved. The reason for this is because it is more difficult for a lender to get approved to do Freddie Mac loans. If a customer gets turned down for an FHA loan there is a very good chance the lender was trying to go to […]

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March 14, 2023

You can buy a home 2 yrs. after your Ch. 7 bankruptcy is discharged.

If you declared chapter 7 bankruptcy you only need to wait 2 years from the date of discharge to buy a home. It is very important to rebuild your credit with 3 secured credit cards right after your bankruptcy has been filed. When your 2 years seasoning on the bankruptcy is up you will have great credit again. Then you […]

203- K mortgage 0 37 sec read

March 14, 2023

Zero down payment with a 580 credit score.

You can buy a home with zero percent down with a 580 credit score. We will cover your down payment of 3.5%. We will verify your income but we will not collect tax returns if you are not self employed. If you are self employed we will require your last 2 years of tax returns. The maximum debt ratios are […]

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PURCHASING

PORTFOLIO LOANS

REFINANCE

FEDERALLY GUARANTEED

FHA has lowered the monthly mortgage ins. premiums, time to refinance or purchase.

3% down conventional mortgage, min. credit score 620.

Can you get a home loan after you did a loan modification or mortgage modification.

FHA mortgage should I use Fannie Mae or Freddie Mac.

You can buy a home 2 yrs. after your Ch. 7 bankruptcy is discharged.

Zero down payment with a 580 credit score.

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