Tag Archives: fha

San Ramon CA – Is Home Onwership Dying?

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American Dream of Home Ownership on the Way to Extinction in San Ramon? Owning your own home is often referred to as the American Dream. The dream of home ownership was the carrot used to help fuel zero-down mortgages and the housing boom of 1995-2005. Selling the American Dream helped the U. S. economy boom, […]

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New FHA Condo Rules Will Hamper First time Buyers

New FHA Rules for Buying and Selling Condos Get Tougher Over 30 percent of loans generated in 2009 are expected to be FHA loans. FHA loans are popular with first time buyers because they allow a smaller down payment than conventional loans as lenders have tightened their lending guidelines. Most REALTORS expect the new FHA […]

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Overview of FHA Guidelines for 2009

FHA Guidelines for 2009 – an overview:   –         NEW permanent loan limits up to $625,500 –         Down payment options as low as 3.5% on owner occupied properties, including 2-4 unit buildings –         Low, competitive rates –         Gift funds allowed – buyer’s entire cash investment can be gifted –         No reserves required on 1-2 unit […]

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Mortgage Shortage – Are You Kidding??

Financial Meltdown – Forget About Buying a House??? Are You Kidding?? Once again media hysteria has created a wide gulf between realty and consumer perception. The emotional charge of news created for ratings is leading consumers to the wrong conclusions about the mortgage market. Talking to many people over the last few weeks, I find […]

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FHA Down Payment Assistance

Changes to FHA Down Payment Assistance Programs like Nehemiah There has been a lot of discussion in the news about changes to "gifting" programs for down payment assistance to homeowners such as the Nehemiah program.  In order to clarify this for those of you who are considering down payment assistance or know someone who is, […]

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