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FHA Mortgage Insurance Premium for Santa Clara County Home Loans are Going Up

by on February 24, 2011

The FHA has now increased the Annual Mortgage Insurance Premium on standard Santa Clara County FHA loan programs. The first increase was in October 2010 and now for the second time the premium increased within a period of six months. Some of the changes effective from April 18th 2011 are provided below. 1. There will [...]

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First Time Home Buyers in Santa Clara, CA get aid from CalHFA to buy with 1% Down Payment

by on February 17, 2011

CalHFA 1st mortgage + CHDAP 2nd mortgage = 99% LTV or 1% downpayment loan for Santa Clara, CA First Time Home Buyers. Here’s the Deal: CalHFA (California Housing Finance agency) FHA loan provides financing up to 96.5%. California Homebuyer’s down payment assistance program (CHDAP) offers a deferred payment junior loan (2nd mortgage) up to 3% [...]

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Delaware First Time Home Buyer Seminar – July 10, 2010

by on July 4, 2010

There will be a Free Delaware First Time Home Buyer Seminar on Saturday July 10, 2010 at The Dover Sheraton Hotel in Dover, DE from 10 AM till Noon.  The seminar will cover the whole First Time Home Buyer Process from Start to Finish.  We will cover the different mortgage programs available to Delaware First [...]

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Guidelines for 2010 Tax Credit for New Home and First Time Home Buyer Released

by on March 30, 2010

California’s first time home buyer and new home tax credit for 2010 guidelines are now posted on the Franchise Tax Board’s website. This is an update to last week’s post on the California tax credit extension.  I will concentrate on answering several questions that have been raised and provide a few popular scenarios that many [...]

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HVCC implementation is delayed by FHA for Santa Clara Home Loans

by on December 23, 2009

FHA delays HVCC for Santa Clara County Home Loans until February 15, 2010. This was originally planned for a January 1, 2010 implementation. But, FHA announced today that the enactment of Appraiser Independence has been delayed. Since implementation of the Home Valuation Code of Conduct (HVCC) for conventional loans in May 2009, many challenges and difficulties with appraisals [...]

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Tax Credit Clowns Come to the Housing Circus

by on October 30, 2009

Supposed first-time home buyers are finding new ways to defraud the government by filing false claims for the Fed’s First-Time Home Buyer Tax Credit.

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Important Tips to Consider When Searching for Your First Home

by on September 3, 2008

You have done your homework, researched the benefits of home ownership, got your finances in order and have been pre-qualified for a mortgage. Great! Now comes the exciting – and often stressful – part! It’s time to find your first Las Vegas home! On Your Mark… The first order of business should include finding a [...]

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