100% Home Financing – RANLife No Money Down Programs #calculator #mortgage


#100 mortgage financing

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100% HOME FINANCING

RANLife offers many 100% Financing programs to make getting a home loan more affordable. A lot of the time, especially for first time homebuyers, saving up enough money for a down payment, closing costs, and moving costs can be one of the most difficult steps in buying a home. It used to be despite having perfect credit and a stable income, a homebuyers dream could quickly be crushed due to a lack of a down payment. Now, with RANLife’s No Down Payment program options, this dream can be a reality! Explore all of RANLife’s 100% Financing programs below:

USDA Home Loans

VA Home Loans

City & State Grant Loan Programs

Some Benefits of the 100% Financing Programs Include:

  • Low Interest Rates
  • Low to No Monthly Mortgage Insurance
  • No Prepayment Penalty
  • Minimized Upfront Mortgage Expenses
  • Low Monthly Payment
  • Loan Amounts up to $417,000 – Calculate Your Estimated Payment Now

Although the most common loan programs require a percentage of the purchase price to be applied as a down payment, there are still Zero Down Home Loan programs available today. To find out more information about RANLife’s 100% Financing Loans and to find out if you qualify please fill out an application online or contact one of our Loan Specialists at (800) 461-4152.

Zero Down Quick Form

Get more info on 100% Financing mortgage programs!

Thank you for your submission. Please check your email for additional information.

All information is kept confidential and is not
shared with any 3rd party vendors.


Stated Income Home Loans – No Income Verification Loans #government #mortgage #help


#stated income mortgage

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We Strive to Find You the Best Mortgage Loan Program (818) 987-2760

Stated Income Home Loans No Income Verification for Approval!

Stated income loans are loans that do not required work history or tax documents to approve the loans. It s a perfect loans for investors and self-employed who wish to purchase or refinance for an investment property. Our stated income loan agents are expert at getting investors funded for investment loans. We get you funded very quickly! [Note: Stated Income Loans cannot be funded for primary resident property purchase, it can only be funded for an investment or rental property purchases]

Stated Income Loan Requirements

Stated income mortgage lenders are making it possible for borrowers to purchase homes up to $3 million without proof of income with a minimum loan amount $125,000. Stated income mortgage lenders usually require a good credit score [FICO over 600] and a 30% down payment, but part of the down payment can be borrowed from the seller or from a family member. Interest rates for stated income home loans are slightly higher than conventional market rates, typically between 7% 9%, however, a borrower can choose to refinance after 3 years into a conventional loan without any prepay penalty.

Benefits of Stated Income Loans (No Income Verification Loans)

A stated income loan does not have the same underwriting guidelines and delays as a verified income loan. A stated loan can usually be approved and funded within a very short period of time. A stated loan offers a fixed interest rate for the first 3 years. After 3 years, the interest rate varies, and there is no penalty for refinancing into another loan.

For borrowers who cannot prove consistent income, or do not show a lot of income on their tax returns, stated income mortgage loans provide a solution to qualify for a loan without the red tape and the frustration of a long underwriting process and the hassles of income verification. For business owners or self-employed borrowers working with cash, stated income loans self employed guidelines make it much easier to qualify for a loan.

For stated income loans California borrowing guidelines make it possible for the seller to carry back part of the loan and allow borrowers to purchase a home for up to $3,000,000 [three million dollars]. A family member or friend can also contribute part of the down payment for stated home loans. A borrower with 30% saved can now afford to buy a house up to $3 million with a stated income home loan, without having to provide tax returns, bank statements, and pay stubs. Now is a great time to buy a home! Prices are still rising, interest rates are still low, inventory is still looking good, and with a stated income loan programs, all it takes is a good down payment to qualify for the home of your dreams. Call today for a quick loan approval!


Best Mortgage Rates in the Nation with no Lender Fees #boa #mortgage


#direct mortgage lenders

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Find Out What Our Clients Really Think!

We attend most of our closings and many of our happy clients have given us iPhone video testimonials. Check out their videos to see what they have to say about their RP Funding experience.

Direct Mortgage Lender – Not a Bank and Not a Broker

  • The big banks are so backed up with refinances, many raised their rates to slow down volume.
  • To a big bank you are just a number, and will most likely work with an out of state call center.
  • Mortgage broker fees raise the cost of your refinance, as a Direct Lender you pay no Broker Fees.
  • We have the authority to underwrite and close your loan, and we do it in as little as 10 days right here in Orlando, Florida.
  • Mortgage Rates in Florida will not stay this low for long, and with our fast process you can get in before it s too late.

No Games, No Pushy Sales People and BBB A-Rated

Most mortgage loan officers are paid commission and make extra money by selling you a higher interest rate, not here. We don t have pushy commission sales people, you will work directly with a Salaried Credit Manager who s only concern is earning your business, not making their next big commission check. This helps us keep our rates and fees low.

Based Locally in the Central FL area

Our office is just off of Interstate 4, Exit 90B in Maitland, Florida, just outside of Orlando. We would love to meet you in person, although you are welcome to complete the entire process over the phone, it s completely up to you. We help home buyers and home owners all over Florida.

1,000 Best Florida Mortgage Rates Guarantee

If you find a better loan somewhere else (which we doubt you can) and we can t beat it, we will give you a 1,000 Visa Gift Card.**


No Income Check Mortgage #mortgage #loan #modification


#stated income mortgage

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No Income Check Mortgage

We have emerged as the Top Choice for providing No Income Check Mortgages for those borrowers that qualify for the program. The Stated Income program does exist and has specific requirements in order to get that type of financing. The program is mostly designed for the self-employed borrower as an option for home financing, being that self-employed individuals have a complex way of documenting income. As time has evolved the No Income check program has allowed individuals who are 1099 or retired to also obtain financing under this program. Most lenders across the continental United States require that borrowers provide income documentation to qualify for a mortgage loan and do not offer no income verification mortgages no matter what the transaction is, either it be a purchase or a refinance.

We have the stated income program that does not require any income documentation at all.

  • No Tax Returns Required
  • No Pay-Stubs Required
  • No W2’s Required

We require 30% down payment for a purchase transaction and 65% Loan to Value ( LTV) financing for refinancing. There are other requirements that need to be met that’s why we recommend contacting one of our experienced loan officers that specialize in no income verification loans. We are a reputable company and have been around since 1993. Our portfolio of products surpasses that of any other lender.

See below some highlights of the program.

  • No Tax Returns / W2’s / Pay stubs
  • Loans amounts up to $3 Million
  • 1-4 residential Units and Condos (must be investment property)
  • 5+ Unit Multifamily and Mixed-Use Properties
  • Office, Retail, Warehouse, Self-Storage, Automotive Service.
  • No limit on how many properties owned
  • Call for Terms and Pricing

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No Money Down Mortgage – 0 Down Mortgage – 100% Mortgage – Zero Down Mortgage


#0 down mortgage

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Own Your Own Home with a Low or N o Money Down Mortgage

Though mortgage lending is not the free for all it seemed to be before the downturn in the economy you may be surprised to learn that there are still 0 down mortgage opportunities available. If you are ready to buy a home but are concerned about coming up with 10-20% of the purchase price as a down payment call us at 800-316-9508. At American Financial Resources we have a number of 96.5% – 100% mortgage programs we would love to go over with you.

Little to Zero Down Mortgage Options

Most of the low and no money down mortgage options are loans that are insured by the federal government. Below is more information on these specific programs.

  • VA Loans – Veterans and active duty members of the US Military may qualify for 100% mortgage financing through a loan insured by the Department of Veterans Affairs. This is an excellent option even for those with less than perfect credit.
  • USDA Rural Housing Loans – If you are purchasing a property in a less populated area you may be able to obtain a USDA mortgage which can be used to finance up to 100% of the home s value.
  • FHA Loans (Low Money Down Mortgage) – If a VA Loan or a USDA loan is not a good fit for you, and you have some money to put down (as little as 3.5%) an FHA loan may be the right choice. Backed by the Federal Housing Administration, FHA loans are available to borrowers with less than perfect credit and give options to many who thought they would never qualify for a mortgage loan.

These government insured programs typically allow a percentage of the closing costs to be covered by the seller when you purchase a home, an extremely common practice in this strong buyer s market. Talk to your real estate agent about how to request this as part of your offer to purchase .

Get Started Online for a 96.5% – 100% Mortgage with American Financial Resources

Have you been considering whether it is the right time to purchase a home? Let one of our expert loan consultants run the numbers with you and help you determine it it makes sense. With the $8000 first time home buyer tax credit (tax credits possibly available for repeat buyers – check with your tax professional for details), many anxious sellers, and excellent 0 down mortgage programs available the time may be right!

Last Updated: December 14th, 2010 1:56 PM CST


What Is an Islamic Mortgage or No Riba Mortgage? #mortgage #rates #forecast


#islamic mortgage

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Islamic Mortgage

By Huda. Islam Expert

Updated July 21, 2016.

Many Muslims, especially those living in non-Muslim countries, give up on the idea of ever owning their own home. Many families choose to rent for the long-term rather than participate in a bank loan which involves the taking or paying of interest. In recent years, however, the market has opened up to Islamic, or no riba . mortgage offerings which are compliant with Islamic law .

What Does Islamic Law Say?

The Qur an is very clear about the prohibition against usury-based business transactions (riba ):

Continue Reading Below

Those who devour usury cannot stand. That is because they say, trade is only like usury; yet Allah has allowed trade and forbidden usury. Allah does not bless usury, and He causes charitable deeds to prosper, and Allah does not love any ungrateful sinner. Oh you who believe! Be careful of your duty to Allah and relinquish what remains due from usury, if you are believers. If the debtor is in difficulty, grant him time until it is easy for him to repay. But if you remit it by way of charity, that is best for you if you only knew. Qur an 2:275-280

O you who believe! Do not devour usury, making it double and redouble, and be careful of (your duty to) Allah, that you may be successful. Qur an 3:130

In addition, the Prophet Muhammad is said to have cursed the consumer of interest, the one who pays it to others, the witnesses to such a contract, and the one who records it in writing.

The Islamic judicial system is committed to fairness and equity among all parties. The fundamental belief is that interest-based transactions are inherently unfair, giving a guaranteed return to the lender without any guarantees for the borrower.

Continue Reading Below

The basic principle of Islamic banking is the sharing of risk, with shared responsibility for profit and loss.

What Are the Islamic Alternatives?

Modern banks usually offer Islamic financing of two main types: murabahah (cost plus) or ijarah (leasing).

Murabahah: In this type of transaction, the bank purchases the property and then re-sells it to the buyer at a fixed profit. The property is registered in the buyer s name from the beginning, and the buyer makes installment payments to the bank. All costs are fixed at the time of the contract, with the agreement of both parties, so no late payment penalties are permitted. Banks usually ask for strict collateral or a high down payment in order to protect against default.

Ijarah: This type of transaction is similar to real estate leasing or rent-to-own contracts. The bank purchases the property and retains ownership, while the buyer makes installment payments. When payments are complete, the buyer gains 100% ownership of the property.

8 Integral Rules of Business and Economics in Islam


Can You Get a Mortgage With No Credit History? #mortgage #calculator #with #amortization #table


#can i get a home loan

#

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Can You Get a Mortgage With No Credit History?

You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here’s how we make money .

The first thing most lenders look at when you want to buy a home is your credit history. Most people have traditional lines of credit such as credit cards, auto loans or a current mortgage that form a track record of how they manage debt.

But if you have no credit history or what s sometimes called a nontraditional credit history, which is one with no credit card debt or other kinds of loans, it might be harder to establish a set of credit stats. That could make it tough to find a mortgage lender who will work with you. But don’t give up, it’s not impossible.

NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Deborah Kearns

get advice from a mortgage broker

  • Understand what you can afford
  • Find the best loan
  • Get approved and funded in 15 days

Here s how to get a home loan with no credit:

  1. Ask your landlord or service provider to report on-time housing and utility payments to one of the three main credit reporting agencies.
  2. Get a loan backed by the Federal Housing Administration.
  3. Consider a smaller lender or a credit union.

No credit history? A payment history can help

Even if you have no credit history from a mortgage lender s point of view, your payment history is out there; it’s just a little harder to locate, making it more difficult for a computer to generate a credit score.

For example, Experian, one of the three major credit-reporting agencies, accepts rental payment history information from third-party processors as proof of credit history, but it’s up to your landlord to opt in to the system, says Rod Griffin, Experian’s director of public education.

Although some larger multifamily apartment complexes are already reporting this information automatically, private landlords of single units or a handful of properties might not realize they can do their tenants this service, Griffin adds. There’s a nominal monthly fee for landlords to collect and report their tenants’ payments online via third-party processors such as PayYourRent, ClearNow and RentTrack.

Don’t forget that student loans get factored into your credit score, Griffin says. Making timely payments for at least six months or more will help build a positive credit score. Utility payments and cell phone bills are also considered, but fewer of those companies are jumping on the reporting bandwagon because of privacy laws in some states.

These type of payments establish a track record that FICO and VantageScore have included in their credit scoring formulas, Griffin says. The idea that you need credit cards or other personal loans to qualify for a home loan simply isn’t true anymore, he says.

“Paying your rent and utility bills on time shows responsibility and tells a story of how well you’re managing those payments — and how well you might manage other debts,” Griffin says. On the flip side, late rent or lease payments and negative civil judgments can also be reported and will work against you, he cautions.

Consider a government loan

One way to buy a home if you don’t have a traditional credit history is to consider a loan backed by the Federal Housing Administration. Guidelines from the U.S. Department of Housing and Urban Development for FHA loans address how nontraditional credit histories can be used to qualify for a mortgage. Successful applicants must be able to show at least one year of:

  • No delinquency on rental payments.
  • No more than one 30-day delinquency to other creditors, such as utility or car insurance payments.
  • No collection accounts other than medical-related incidents.

Also, your debts (including your proposed mortgage payment) must not total more than 43% of your total income, and you must have at least one month’s worth of cash reserves left after settlement of the mortgage costs and down payment.

However, just because you qualify for an FHA loan doesn’t mean the best mortgage lenders will open their mortgage doors to you. Many financial institutions don’t want the hassle of manually collecting a paper trail — called a “manual underwrite” mortgage loan — to help you get financed. It’s easier for them to work with people who have an established credit history and FICO or VantageScore.

Turn to smaller lenders

Luckily, plenty of lenders out there are more flexible about working with people who have nontraditional credit histories. Independent mortgage brokers, some online lenders and smaller banks might give you the one-on-one attention you need to qualify for a loan if you’re using rental or utility payments as proof of creditworthiness.

Credit unions are another option. They can provide you with personal service and more flexible pre-qualification criteria. In 2015, credit unions originated more than 8% of U.S. mortgages, nearly double the amount in 2010, according to the CUNA Mutual Group.

Next steps

If you can show an on-time payment history, have little debt and have saved enough to cover mortgage costs with some financial wiggle room, you can qualify for a mortgage despite having a credit history that doesn’t walk the conventional line. Speak to a few lenders to find out what options might be available to you.

Now is the perfect time to set yourself up for future success to qualify for a home loan. If you’re currently renting, ask your landlord and service providers to report your payments to a processor that works with the credit reporting agencies. Keep up timely payments and you’ll have a solid credit score when the time is right to buy a home.

Fill out the form below and have an expert mortgage broker reach out to help you with your mortgage.

This article was updated. It was originally published Dec. 31, 2014.

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Mortgages with No Money Down #mortgage #loan #calculators


#100 mortgage financing

#

Mortgages with No Money Down

These days, it’s tough to find “mortgages with no money down,” as banks and mortgage lenders have toughened up quite a bit over the past couple years as a result of the enormous financial crisis that ensued.

The reason they require a larger down payment nowadays is because home prices aren’t appreciating like they once were; in fact, they’re dropping steadily, shifting more risk to the lenders that issue loans.

And if homeowners don’t have any skin in the game, otherwise known as home equity. there’s a better chance they’ll walk away from their mortgages if they fall behind on payments, leading to costly foreclosures .

Conversely, if a homeowner is required to put down say 10 percent of the purchase price, the lender has a safety buffer, and the homeowner is more likely to continue making payments, as they won’t want to lose that initial investment.

Put simply, the lack of 100% financing is probably a lack of lender confidence with regard to the direction of home prices. Once things improve, we ll probably see a lot more zero down stuff making its way to market again.

No Money Down Mortgages Used to Be the Norm

Back in 2006 and 2007, you could easily obtain 100 percent financing from nearly any bank or lender in town, with the most common the 80/20 combo loan. which is a first mortgage for 80 percent of the purchase price and a second mortgage for the remaining 20 percent.

These high-risk financing deals were rampant, and most homeowners took the bait and chose not to put any money down, assuming their home would appreciate endlessly. This explains why millions of American homeowners are now underwater on their mortgages and/or facing foreclosure.

And that’s pretty much why the days of no money down mortgages came to an end, with lenders quickly upping credit score and documentation requirements. while slashing maximum loan-to-value ratios .

So what options do potential homeowners have nowadays when it comes to a mortgage with no money down? Amazingly, it’s still pretty easy to get a mortgage with close to no money down.

FHA loans. which have coincidentally skyrocketed in popularity since the mortgage crisis got underway, are available with just a 3.5% down payment. And there was a time, not long ago, when you could actually get an FHA loan with no money down at all thanks to seller paid downpayment assistance. which has since been outlawed.

However, individual states are still trying to use the first-time homebuyer tax credit as a down payment to circumvent the issue.

Additionally, mortgage financier Freddie Mac offers its Home Possible® 97 Mortgage, which requires as little as three percent for down payment. Sister Fannie Mae offers a similar loan program called HomePath. which calls for just three percent down as well and allows gift funds for the down payment.

Update: Both Freddie Mac and Fannie Mae no longer allow LTV ratios above 95%, meaning their 3% down loan programs are no longer offered .

Still Some 100% Financing Kicking Around

  • VA loans
  • USDA loans
  • 100% financing from credit unions
  • FHA s $100 down payment loan program
  • HUD Good Neighbor Next Door program
  • Various state housing finance agency programs

There are also zero down mortgage programs offered by the USDA (only in rural areas), VA (military and their families), NASA (astronauts) and other government agencies, along with some that even exceed 100 percent financing (125% second mortgages ) despite the ongoing housing bust!

You can also buy a HUD home for as little as $100 down if you use FHA financing, which is pretty much zero down when we re talking about the purchase of a home. However, you must be an owner-occupant and the homes are located primarily in Southeastern states.

Nationwide, if you are a law enforcement officer, teacher, firefighter or emergency medical technician, you may also qualify for The Good Neighbor Next Door initiative, which offers HUD-owned single-family homes (one-unit) to eligible buyers at a 50% discount AND with as little as $100 down.

Also be sure to look into what s being offered at your state housing finance agency. For example, California home buyers can take advantage of the MyHome Assistance Program, which offers 5% of the purchase price to cover the down payment and/or closing costs. Combined with a first mortgage this could give buyers the opportunity to get a home with nothing out of pocket.

Recently, TD Bank launched a 3% down mortgage as well that carries no mortgage insurance.

Of course, not everyone qualifies for these types of loans .

Meanwhile, most banks and credit unions are offering mortgages with just five percent down, but only for conforming loan amounts .

Keep in mind that jumbo loan amounts require higher down payments, so don’t expect to get 100% financing or even close to it.

As a rule of the thumb, the weaker the borrower credit profile and the more complicated the loan scenario, the lower the maximum loan-to-value.

For example, if you’ve got a bad credit score or an investment property you want financed, you won’t be able to get anywhere near a no money down mortgage.

But if you ve got great credit, a steady job, and plenty of assets, 100% financing may be well within reach. So take the time to shop around to discover all the options available to you. It s always surprising what is out there

Use Gift Funds to Get 100% Financing

One last note. While many 100% financing programs have come and gone, there are still quite a few programs that require five percent down or less.

In order to obtain a zero down loan, you can ask an eligible donor to provide you with a gift for the difference. So if it s an FHA loan that requires 3.5% down, get that 3.5% in the form of a gift.

Likewise, if it s a conventional loan that calls for five percent down, ask a relative for the five percent in the form of a gift.

In many cases a minimum contribution from the borrower s own funds is not required, so it s effectively zero down.

While it s not traditional zero-down financing, the end result will be the same. In fact, your mortgage payment will be lower because the amount financed will only be somewhere between 95-96.5% of the purchase price.

However, keep in mind that 2-4 unit primary residences, second homes, and high-balance loans typically require five percent minimum contribution from the borrower s own funds. So that trick won t work.


Stated Income Home Loans – No Income Verification Loans #mortgage #calculatro


#stated income mortgage

#

We Strive to Find You the Best Mortgage Loan Program (818) 987-2760

Stated Income Home Loans No Income Verification for Approval!

Stated income loans are loans that do not required work history or tax documents to approve the loans. It s a perfect loans for investors and self-employed who wish to purchase or refinance for an investment property. Our stated income loan agents are expert at getting investors funded for investment loans. We get you funded very quickly! [Note: Stated Income Loans cannot be funded for primary resident property purchase, it can only be funded for an investment or rental property purchases]

Stated Income Loan Requirements

Stated income mortgage lenders are making it possible for borrowers to purchase homes up to $3 million without proof of income with a minimum loan amount $125,000. Stated income mortgage lenders usually require a good credit score [FICO over 600] and a 30% down payment, but part of the down payment can be borrowed from the seller or from a family member. Interest rates for stated income home loans are slightly higher than conventional market rates, typically between 7% 9%, however, a borrower can choose to refinance after 3 years into a conventional loan without any prepay penalty.

Benefits of Stated Income Loans (No Income Verification Loans)

A stated income loan does not have the same underwriting guidelines and delays as a verified income loan. A stated loan can usually be approved and funded within a very short period of time. A stated loan offers a fixed interest rate for the first 3 years. After 3 years, the interest rate varies, and there is no penalty for refinancing into another loan.

For borrowers who cannot prove consistent income, or do not show a lot of income on their tax returns, stated income mortgage loans provide a solution to qualify for a loan without the red tape and the frustration of a long underwriting process and the hassles of income verification. For business owners or self-employed borrowers working with cash, stated income loans self employed guidelines make it much easier to qualify for a loan.

For stated income loans California borrowing guidelines make it possible for the seller to carry back part of the loan and allow borrowers to purchase a home for up to $3,000,000 [three million dollars]. A family member or friend can also contribute part of the down payment for stated home loans. A borrower with 30% saved can now afford to buy a house up to $3 million with a stated income home loan, without having to provide tax returns, bank statements, and pay stubs. Now is a great time to buy a home! Prices are still rising, interest rates are still low, inventory is still looking good, and with a stated income loan programs, all it takes is a good down payment to qualify for the home of your dreams. Call today for a quick loan approval!


No Money Down Mortgage – 0 Down Mortgage – 100% Mortgage – Zero Down Mortgage


#0 down mortgage

#

Own Your Own Home with a Low or N o Money Down Mortgage

Though mortgage lending is not the free for all it seemed to be before the downturn in the economy you may be surprised to learn that there are still 0 down mortgage opportunities available. If you are ready to buy a home but are concerned about coming up with 10-20% of the purchase price as a down payment call us at 800-316-9508. At American Financial Resources we have a number of 96.5% – 100% mortgage programs we would love to go over with you.

Little to Zero Down Mortgage Options

Most of the low and no money down mortgage options are loans that are insured by the federal government. Below is more information on these specific programs.

  • VA Loans – Veterans and active duty members of the US Military may qualify for 100% mortgage financing through a loan insured by the Department of Veterans Affairs. This is an excellent option even for those with less than perfect credit.
  • USDA Rural Housing Loans – If you are purchasing a property in a less populated area you may be able to obtain a USDA mortgage which can be used to finance up to 100% of the home s value.
  • FHA Loans (Low Money Down Mortgage) – If a VA Loan or a USDA loan is not a good fit for you, and you have some money to put down (as little as 3.5%) an FHA loan may be the right choice. Backed by the Federal Housing Administration, FHA loans are available to borrowers with less than perfect credit and give options to many who thought they would never qualify for a mortgage loan.

These government insured programs typically allow a percentage of the closing costs to be covered by the seller when you purchase a home, an extremely common practice in this strong buyer s market. Talk to your real estate agent about how to request this as part of your offer to purchase .

Get Started Online for a 96.5% – 100% Mortgage with American Financial Resources

Have you been considering whether it is the right time to purchase a home? Let one of our expert loan consultants run the numbers with you and help you determine it it makes sense. With the $8000 first time home buyer tax credit (tax credits possibly available for repeat buyers – check with your tax professional for details), many anxious sellers, and excellent 0 down mortgage programs available the time may be right!

Last Updated: December 14th, 2010 1:56 PM CST