HUD, FHA, VA And Other Government Mortgage Loan Programs

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HUD, FHA, VA And Other Government Mortgage Loan Programs

This department covers information specific to HUD, FHA, VA & any other government mortgage loans and assistance programs. It's been said that there isn't a deal the government doesn't like. If you have a loan that can't go anywhere else, why not give Uncle Sam a crack at it. You never know, he may make you an extra commission you wouldn't have had otherwise. Use these mortgage training resources to help get your loan officers up to speed.

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DOWNLOAD = HUD's Blueprint For The American Dream And How You Can Use Government Loan Programs To Help Your Borrowers

HUD's been making some serious progress on improving home ownership for women, minorities, and the underprivileged. In this report, HUD outlines a blueprint on how it intends to achieve this, with updates on the progress it has made thus far. Many loan officers tend to shy away from these type of government loans, but I am here to tell you that they can be just as profitable. That is, if you know how to work them. Yes, a HUD loan will take a big of getting used to and the financial rewards aren't always the biggest. But, think about it. You help get 1 needy person into a home and they become your best form of marketing...word of mouth is powerful stuff! I remember once we did a VA loan for a veteran returning from the first Iraq Gulf War and counted at least 4 referrals from him over the years. How much did that mean to us? Probably over $11,000 in additional fees. Not bad for helping someone in need out. I suggest you consider doing the same. This resource is in Adobe PDF format. . . . read more

DOWNLOAD = The Wheels Inside The Workings Of Government Homebuyer Programs

As I've been going through my files, I've discovered some real gems. Here is a great report from HUD on government homebuyer programs. Many first time homebuyers are not aware of what's out there for them and in this report you'll get the inside scoop on how both public and private financing get these programs work. You'll read exactly what's happening on the local level to affect change in the marketplace and how you as the loan officer fits into all of this. I predict that with rates rising and lender requirements tightening up that these programs will only become more popular in the future. Enjoy the report. This resource is in Adobe PDF format. . . . read more

DOWNLOAD = HUD 6-Year Strategic Biz Plan

As I've been digging through my files here, I've been coming across a lot of documents and it has been an interesting trip down mortgage memory lane. Here is a report on HUD from back in 2000 with a 6 year outlook on the forecast of the mortgage market. Sometimes it's fun to read these old reports and see how far (or not) we've all come. I like this report more so because it gives a nice background on HUD's mission and marketing plan and these are still very relevant today. Take what you can gleam from it, but realize it's a piece of mortgage history. This resource is in Adobe PDF format. . . . read more

DOWNLOAD = The Single Family Affordable Housing Market: Trends And Innovations

As I've been going through my files here, I've come across some interesting reports. Call this one a blast from the past. Seems the housing crunch with prices outpacing inflation is nothing new. I remember reading reports like this back then and thinking that their's no way strugling people are going to be able to afford to house themselves. Now, 10 years later this report has a whole new meaning. We know how things turned-out. For what it's worth, consider this a snapshot into the mortgage past (1997) and realize how far we've come. . . . read more

DOWNLOAD = HUD: How To Avoid Foreclosure

If you're targeting bankruptcy or foreclosure candidates, here is a great brochure you can use to educate your clients. Entitled, "How To Avoid Foreclosure" from the U.S. Department Of Housing And Urban Development it's a nice overview of what options remain for those borrowers who encounter this issue. And because it's in an electronic format, this is something you can offer your clients that doesn't cost any money whatsoever! This is one of a number of consumer action brochures here on the Battlecall site and all are designed to offer assistance and create trust. This resource is in Adobe PDF format. . . . read more

What If Your Mortgage Borrower Goes On Active Duty
The Soldiers and Sailors Civil Relief Act passed in WWI (now the Service Members Relief Act or "SCRA") is a federal law designed to protect active duty military members, reservists who are in active federal service, and National Guardsmen who are in active federal service. Some of the benefits under the SCRA extend to dependents of active duty military members as well. But what do you do when your borrower goes on active duty? . . . read more

Regarding Predatory Lending On FHA Loans
This explanation of what predatory lending is and what the law says is taken straight from a HUD web site. You'll find the phone numbers to call if you need help in this area. . . . read more

Regarding FHA Refunds
The following is useful to keep in mind when dealing with FHA refunds. When a client has a previous FHA loan and you are trying to refinance them out of it, you want to have all the facts in hand. This may not be the best course of action. Work with your clients and give them all the pertinent information upfront so they can make an informed decision. . . . read more

How To Avoid Foreclosure On FHA And Government Loans
The following information is from a HUD web site, and is specifically about how to avoid foreclosure when you have an FHA loan. . . . read more

Manufactured Home Financing And The Government
Manufactured home financing can be more difficult than traditional financing. One way to get that mobile home or manufactured home financed is using a Title 1 loan. Below is the latest information from HUD. . . . read more

Places To Find Government Real Estate Auctions
Theer are a number of agencies that have government real estate auctions. Here are some of them, with links to websites where you can get more information. . . . read more

A Quick Primer On Buying HUD Homes
Buying hud homes isn't a way to "get rich quick." On the other hand, although these homes are supposed to be sold at market value, you may still find some profit opportunities here. This is because they are sold "as is," and often have enough problems to scare away most home buyers. This mean opportunity for an invester who is willing to fix a few things (and run the numbers beforehand, so the profit is assured). . . . read more

When You're A Mortgage Payment Behind -- An FHA Loan Can Be One Solution
If you have an FHA loan, your mortgage insurance may be an option for bringing payments current. Contact your lender to learn if you are eligible for a payment from this fund. You will need to learn about the prevailing requirements in your state. . . . read more

Homeowners With An FHA Mortgage: Streamline It And Save Money
There is a fast and easy way to lower the payments on your existing FHA mortgage. It will not take money out of your pocket for closing costs. There is no appraisal required. As long as you've made your existing FHA mortgage payments there is no credit qualifying. You don't even have to be working and making an income to get it. . . . read more

New Law Will Boost FHA Viability
Legislation has been introduced that will empower the Federal Housing Administration (FHA) to become a more efficient provider of financing for affordable homeownership and rental housing. The proposed law -- S. 3173, "The 21st Century Housing Act" -- proposes significant changes to the National Housing Act, which governs how FHA operates. . . . read more

Frequently Asked Questions About FHA Mortgage Loans You Should Know
Here are some of the most frequently asked questions in regards to FHA mortgage loans. Consumers often don't know what exactly an FHA mortgage loan is and here are some easy ways you can explain things with simple terms and straightforward answers. . . . read more