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    Alfredo Puigbo Loan Originator
    @alpuig_mortgage

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Realtors Did you know?
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HFA Preferred permits down payments as low as 3% and offers cancellable mortgage insurance (restrictions apply). Has no first-time home-buyer requirement.
With HFA Preferred, your clients may be eligible to receive down payment assistance through a state housing finance agency, which can often make loan qualification easier.
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Contact me for more info ☝️
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#realestate #realestateagent #realtor #realtors #realtorlife #floridarealestate #miamirealtor #miamirealestate
Realtors Did you know? . HFA Preferred permits down payments as low as 3% and offers cancellable mortgage insurance (restrictions apply). Has no first-time home-buyer requirement. With HFA Preferred, your clients may be eligible to receive down payment assistance through a state housing finance agency, which can often make loan qualification easier. . Contact me for more info ☝️ . #realestate  #realestateagent  #realtor  #realtors  #realtorlife  #floridarealestate  #miamirealtor  #miamirealestate 
Down payment and/or closing cost assistance grant, up to 5% of the loan amount.
DPA grant never has to be repaid.
Affordable interest rates and variety of grant levels.
FHA, VA, USDA and Conventional mortgage loan options.
NOT limited to first-time homebuyers.
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#realestate #realestateagent #realestatelife #realtor #realtorlife #realty #realestateinvestor #realestateinvesting 
#realestate #realestateagent #realestatelife #realtor #realtorlife #realty #realestateinvestor #realestateinvesting 
#jacksonville #orlando #tampa #miami #miamibeach #bocaraton #palmbeach #pensacola #pensacolabeach #ftlauderdale #doral
Down payment and/or closing cost assistance grant, up to 5% of the loan amount. DPA grant never has to be repaid. Affordable interest rates and variety of grant levels. FHA, VA, USDA and Conventional mortgage loan options. NOT limited to first-time homebuyers. . #realestate  #realestateagent  #realestatelife  #realtor  #realtorlife  #realty  #realestateinvestor  #realestateinvesting  #realestate  #realestateagent  #realestatelife  #realtor  #realtorlife  #realty  #realestateinvestor  #realestateinvesting  #jacksonville  #orlando  #tampa  #miami  #miamibeach  #bocaraton  #palmbeach  #pensacola  #pensacolabeach  #ftlauderdale  #doral 
A good report for your clients. While it’s not rocket science, researching the property market comes down to a range of factors, including supply and demand, economic and demographic trends, as well as keeping tabs on future developments that may be scheduled in the pipeline.
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#realtor #realestateagent #realtorlife #miami #realestate #realtors #floridarealestate
One of the best reasons to refinance is to lower the interest rate on your existing loan. Historically, the rule of thumb was that it was worth the money to refinance if you could reduce your interest rate by at least 2%. Today, many lenders say 1% savings is enough of an incentive to refinance.
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Refinancing is done to allow a borrower to obtain a better interest term and rate. The first loan is paid off, allowing the second loan to be created, instead of simply making a new mortgage and throwing out the original mortgage.
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#realestate #realestateagent #realestatelife #realtor #realtorlife #realty #realestateinvestor #realestateinvesting 
#jacksonville #orlando #tampa #miami #miamibeach #bocaraton #palmbeach #pensacola #pensacolabeach #ftlauderdale #doral 
#miamirealestate #doralrealestate #ftlauderdalerealestate #bocaratonrealestate #palmbeachrealestate #orlandorealestate #tamparealestate #jacksonvillerealestate
One of the best reasons to refinance is to lower the interest rate on your existing loan. Historically, the rule of thumb was that it was worth the money to refinance if you could reduce your interest rate by at least 2%. Today, many lenders say 1% savings is enough of an incentive to refinance. . Refinancing is done to allow a borrower to obtain a better interest term and rate. The first loan is paid off, allowing the second loan to be created, instead of simply making a new mortgage and throwing out the original mortgage. . #realestate  #realestateagent  #realestatelife  #realtor  #realtorlife  #realty  #realestateinvestor  #realestateinvesting  #jacksonville  #orlando  #tampa  #miami  #miamibeach  #bocaraton  #palmbeach  #pensacola  #pensacolabeach  #ftlauderdale  #doral  #miamirealestate  #doralrealestate  #ftlauderdalerealestate  #bocaratonrealestate  #palmbeachrealestate  #orlandorealestate  #tamparealestate  #jacksonvillerealestate 
You may ask the lender to cancel PMI when you have paid down the mortgage balance to 80 percent of the home's original appraised value. When the balance drops to 78 percent, the mortgage servicer is required to eliminate PMI. ... You can get rid of FHA insurance by refinancing into a non-FHA-insured loan.
Contact me for more info ☝️
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#realestate #realestateagent #realestatelife #realtor #realtorlife #realty #realestateinvestor #realestateinvesting 
#jacksonville #orlando #tampa #miami #miamibeach #bocaraton #palmbeach #pensacola #pensacolabeach #ftlauderdale #doral 
#miamirealestate #doralrealestate #ftlauderdalerealestate #bocaratonrealestate #palmbeachrealestate #orlandorealestate #tamparealestate #jacksonvillerealestate
You may ask the lender to cancel PMI when you have paid down the mortgage balance to 80 percent of the home's original appraised value. When the balance drops to 78 percent, the mortgage servicer is required to eliminate PMI. ... You can get rid of FHA insurance by refinancing into a non-FHA-insured loan. Contact me for more info ☝️ . #realestate  #realestateagent  #realestatelife  #realtor  #realtorlife  #realty  #realestateinvestor  #realestateinvesting  #jacksonville  #orlando  #tampa  #miami  #miamibeach  #bocaraton  #palmbeach  #pensacola  #pensacolabeach  #ftlauderdale  #doral  #miamirealestate  #doralrealestate  #ftlauderdalerealestate  #bocaratonrealestate  #palmbeachrealestate  #orlandorealestate  #tamparealestate  #jacksonvillerealestate 
Homeowners may now pay off student loans using equity from their homes at lower rates and easier qualification.
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Typically, cash-out refinances come with higher rates. They are considered higher risk by lenders and Fannie Mae. So, according to Fannie Mae’s loan level price adjustment matrix, a lender must charge an extra 1%-2% of the loan amount in fees or more, just because the loan is deemed “cash-out”.
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Those extra fees usually translate to higher rates.
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Now, Fannie Mae does not consider the loan a cash-out transaction if loan proceeds completely pay off at least one student loan.
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This loan classification has never been seen before; a kind of hybrid between no-cash-out and cash-out financing. Fannie Mae simply calls it the Student Loan Cash-Out Refinance.
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But the name is misleading. Fannie Mae eliminates the extra costs of cash-out and issues these loans at no-cash-out rates. This could save the homeowner thousands, and even tens of thousands, over the life of the new mortgage.
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#realtor #realestateagent #realtorlife #realestate #student #studentloans #realestate #agent #miami #ftlauderdale #jacksonville #tampa #florida
Homeowners may now pay off student loans using equity from their homes at lower rates and easier qualification. . Typically, cash-out refinances come with higher rates. They are considered higher risk by lenders and Fannie Mae. So, according to Fannie Mae’s loan level price adjustment matrix, a lender must charge an extra 1%-2% of the loan amount in fees or more, just because the loan is deemed “cash-out”. . Those extra fees usually translate to higher rates. . Now, Fannie Mae does not consider the loan a cash-out transaction if loan proceeds completely pay off at least one student loan. . This loan classification has never been seen before; a kind of hybrid between no-cash-out and cash-out financing. Fannie Mae simply calls it the Student Loan Cash-Out Refinance. . But the name is misleading. Fannie Mae eliminates the extra costs of cash-out and issues these loans at no-cash-out rates. This could save the homeowner thousands, and even tens of thousands, over the life of the new mortgage. . #realtor  #realestateagent  #realtorlife  #realestate  #student  #studentloans  #realestate  #agent  #miami  #ftlauderdale  #jacksonville  #tampa  #florida 
Music and loans application what else can we ask for, dance like no tomorrow and work to dance in different places 🕺
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#realtor #realestateagent #realtorlife #realestate #realestateinvestor #miami #dance #work #application
Refinancing a mortgage means paying off an existing loan and replacing it with a new one. There are many reasons why homeowners refinance: the opportunity to obtain a lower interest rate; the chance to shorten the term of their mortgage; the desire to convert from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage, or vice versa; the opportunity to tap a home's equity in order to finance a large purchase; and the desire to consolidate debt.
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Some of these motivations have benefits and pitfalls. And because refinancing can cost 3% to 6% of the loan's principal and like taking out the original mortgage requires appraisal, title search and application fees, it's important for a homeowner to determine whether his or her reason for refinancing offers a true benefit.
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#myhomemortgagesolution #realtor #realestateagent #realtorlife #realestate #realestateinvestor #realtor #generalcontractor #gc #miami #ftlauderdale #tampa #orlando #jacksonville
Refinancing a mortgage means paying off an existing loan and replacing it with a new one. There are many reasons why homeowners refinance: the opportunity to obtain a lower interest rate; the chance to shorten the term of their mortgage; the desire to convert from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage, or vice versa; the opportunity to tap a home's equity in order to finance a large purchase; and the desire to consolidate debt. . Some of these motivations have benefits and pitfalls. And because refinancing can cost 3% to 6% of the loan's principal and like taking out the original mortgage requires appraisal, title search and application fees, it's important for a homeowner to determine whether his or her reason for refinancing offers a true benefit. . #myhomemortgagesolution  #realtor  #realestateagent  #realtorlife  #realestate  #realestateinvestor  #realtor  #generalcontractor  #gc  #miami  #ftlauderdale  #tampa  #orlando  #jacksonville 
What Is PMI?
If the concept of buying insurance on your mortgage sounds a little odd, you're probably a newcomer to buying property or never put down a small down payment. Most lenders require PMI when a homebuyer makes a down payment of less than 20% of the home's purchase price. And unlike most types of insurance, the policy protects the lender's investment in the home, not yours. On the other hand, PMI makes it possible for people to become homeowners sooner.
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PMI allows borrowers to obtain financing if they can only afford to put down just 5% to 19.99% of the residence's cost, but it comes with additional monthly costs. Borrowers pay their PMI until they have accumulated enough equity in the home that the lender no longer considers them high-risk.
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#myhomemortgagesolution #realtor #realestateagent #realtorlife #realestate #realtors #realestateinvestor #pmi #whatispmi #miami #ftlauderdale #orlando #palmbeach #pensacola #jacksonville #tampa #florida #southflorida
What Is PMI? If the concept of buying insurance on your mortgage sounds a little odd, you're probably a newcomer to buying property or never put down a small down payment. Most lenders require PMI when a homebuyer makes a down payment of less than 20% of the home's purchase price. And unlike most types of insurance, the policy protects the lender's investment in the home, not yours. On the other hand, PMI makes it possible for people to become homeowners sooner. . PMI allows borrowers to obtain financing if they can only afford to put down just 5% to 19.99% of the residence's cost, but it comes with additional monthly costs. Borrowers pay their PMI until they have accumulated enough equity in the home that the lender no longer considers them high-risk. .... #myhomemortgagesolution  #realtor  #realestateagent  #realtorlife  #realestate  #realtors  #realestateinvestor  #pmi  #whatispmi  #miami  #ftlauderdale  #orlando  #palmbeach  #pensacola  #jacksonville  #tampa  #florida  #southflorida 
Refinancing is done to allow a borrower to obtain a better interest term and rate. The first loan is paid off, allowing the second loan to be created, instead of simply making a new mortgage and throwing out the original mortgage. ... In any economic climate, it can be difficult to make the payments on a home mortgage.
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Can you get money back?
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Cash-out, mortgage refinancing deals do exist, and you can get money out of the loan to pay down some extra debt. On the surface, it seems like a good idea. ... You now owe $100,000 on your house, but at a lower rate than you were paying before.
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#myhomemortgagesolution #realtor #realestateagent #realtorlife #realestate #miami #refinance
Refinancing is done to allow a borrower to obtain a better interest term and rate. The first loan is paid off, allowing the second loan to be created, instead of simply making a new mortgage and throwing out the original mortgage. ... In any economic climate, it can be difficult to make the payments on a home mortgage. . Can you get money back? . Cash-out, mortgage refinancing deals do exist, and you can get money out of the loan to pay down some extra debt. On the surface, it seems like a good idea. ... You now owe $100,000 on your house, but at a lower rate than you were paying before. . #myhomemortgagesolution  #realtor  #realestateagent  #realtorlife  #realestate  #miami  #refinance 
While there are no firm rules about exactly how your credit score affects the interest rates you may be offered for a home loan, in general:
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The best rates go to borrowers with credit scores in the mid- to high-700s or above. These borrowers typically also have the most choices available to them.
Borrowers with credit scores in the high-600s to the low-700s typically pay somewhat higher rates.
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Borrowers with credit scores in the low- to mid-600s range generally pay the highest rates and have the fewest choices. Borrowers in this range may have trouble qualifying for a loan, depending on the loan type and the specific lender.
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Borrowers with scores below 600 may want to improve their credit before applying for a mortgage. If you need help improving your credit, contact a HUD-approved housing counselor.
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#myhomemortgagesolution #realestate #realtor #realtorlife #realtors #creditrepair #creditscore #house #newhouse #buyersagent #kw
While there are no firm rules about exactly how your credit score affects the interest rates you may be offered for a home loan, in general: . The best rates go to borrowers with credit scores in the mid- to high-700s or above. These borrowers typically also have the most choices available to them. Borrowers with credit scores in the high-600s to the low-700s typically pay somewhat higher rates. . Borrowers with credit scores in the low- to mid-600s range generally pay the highest rates and have the fewest choices. Borrowers in this range may have trouble qualifying for a loan, depending on the loan type and the specific lender. . Borrowers with scores below 600 may want to improve their credit before applying for a mortgage. If you need help improving your credit, contact a HUD-approved housing counselor. . . . . #myhomemortgagesolution  #realestate  #realtor  #realtorlife  #realtors  #creditrepair  #creditscore  #house  #newhouse  #buyersagent  #kw 
If you need help getting to the right price check out this amazing post from a realtor willing to help you. 😉💥
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From @andreina_mon #andreina_mom
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#myhomemortgagesolution #realestate #realestateagent #realtor #realtorlife #miami
Borrowers who qualify for this first mortgage program are automatically qualified for one of Florida Housing down payment assistance programs. First Time Home Buyer hasn't owned a property for at least 3 years. Down Payment Assistance comes in the form of a $7,500 0% interest 2nd mortgage loan.
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The program is offered to all borrowers who meet income, purchase price and other program guidelines for FHA guidelines and can otherwise qualify for an FHA mortgage loan.
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#myhomemortgagesolution #realtor #realestateagent #realestatelife #realestate #florida #realtorlife #realtors #miami #ftlauderdale #pensacola #tampa #orlando #jacksonville
Borrowers who qualify for this first mortgage program are automatically qualified for one of Florida Housing down payment assistance programs. First Time Home Buyer hasn't owned a property for at least 3 years. Down Payment Assistance comes in the form of a $7,500 0% interest 2nd mortgage loan. . The program is offered to all borrowers who meet income, purchase price and other program guidelines for FHA guidelines and can otherwise qualify for an FHA mortgage loan. . #myhomemortgagesolution  #realtor  #realestateagent  #realestatelife  #realestate  #florida  #realtorlife  #realtors  #miami  #ftlauderdale  #pensacola  #tampa  #orlando  #jacksonville 
Is your client committed to own a house? Just give me a call, we work for you and your client.
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#myhomemortgagesolution #realtor #realestateagent #realestatelife
Si la propiedad que le interesa está en un condominio que no cumple con los requisitos para cualificar para un préstamo FHA, nosotros podemos ayudarle, le ofrecemos varias alternativas de financiamiento que le ayudarán a lograr el financiamiento de su propiedad.
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La manera de saber si el condo califica o no para un préstamo FHA es la siguiente.
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El Administrador del condominio deberá completar el formulario “Condo Check List”, que contiene información sobre estos requisitos, entre otros. Si al momento de compra, el condominio no cumple con alguno de los requerimientos detallados en el “Condo Check List”, la propiedad no sería elegible para aprobación bajo los parámetros de FHA. .
#myhomemortgagesolution #realtor #realestateagent #realestatelife #realtorlife #realestate #fha #comprandocasa #casa #miami #ftlauderdale #tampa #orlando #pensacola #jacksonville #palmbeach
Si la propiedad que le interesa está en un condominio que no cumple con los requisitos para cualificar para un préstamo FHA, nosotros podemos ayudarle, le ofrecemos varias alternativas de financiamiento que le ayudarán a lograr el financiamiento de su propiedad. . La manera de saber si el condo califica o no para un préstamo FHA es la siguiente. . El Administrador del condominio deberá completar el formulario “Condo Check List”, que contiene información sobre estos requisitos, entre otros. Si al momento de compra, el condominio no cumple con alguno de los requerimientos detallados en el “Condo Check List”, la propiedad no sería elegible para aprobación bajo los parámetros de FHA. . #myhomemortgagesolution  #realtor  #realestateagent  #realestatelife  #realtorlife  #realestate  #fha  #comprandocasa  #casa  #miami  #ftlauderdale  #tampa  #orlando  #pensacola  #jacksonville  #palmbeach 
Por lo general, una empresa de informes de crédito puede informar la mayoría de la información negativa durante siete años.
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Se proveen datos sobre demandas o sentencia impagas en su contra durante siete años o hasta que se extinga la ley de prescripción, lo que resulte más prolongado. Las quiebras pueden permanecer en su informe hasta por 10 años.
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Si bien la empresa de informes de crédito generalmente no entregará esta información negativa una vez transcurrido el período de siete años, es posible que dicha información se mantenga archivada y se informe en ciertas ocasiones. .
#myhomemortgagesolution #realtor #realestate #realestateagent #realestatelife #realtorlife #foreclosure #miami #ftlauderdale #florida #tampa #jacksonville
Por lo general, una empresa de informes de crédito puede informar la mayoría de la información negativa durante siete años. . Se proveen datos sobre demandas o sentencia impagas en su contra durante siete años o hasta que se extinga la ley de prescripción, lo que resulte más prolongado. Las quiebras pueden permanecer en su informe hasta por 10 años. . Si bien la empresa de informes de crédito generalmente no entregará esta información negativa una vez transcurrido el período de siete años, es posible que dicha información se mantenga archivada y se informe en ciertas ocasiones. . #myhomemortgagesolution  #realtor  #realestate  #realestateagent  #realestatelife  #realtorlife  #foreclosure  #miami  #ftlauderdale  #florida  #tampa  #jacksonville 
Are you self-employed? Do you earn seasonal income? Are you a consultant, promoter, tax-preparer, freelancer, artist or other professional with an irregular income stream? If so, our Bank Statement Program may be perfect for you!
How does it work?
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Simple. Instead of requiring years of tax documents, W-2s, or proof of regular payroll checks, we base our lending decision on a combination of your bank statements and a Profit & Loss statement for your business.
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Even if you earn your income in just part of the year, as long as you maintain bank accounts documenting your income stream we can help!
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We offer three types .
• Your Personal and Business finances Utilize a single business account
• You Maintain Separate Personal and Business Accounts
• You Only Use Business Bank Statements to Qualify your Loan
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#myhomemortgagesolution #realtor #realestate #realestateagent #realestateinvesting #realestateinvestor #realestatenews #realestatelife #miami #ftlauderdale
Are you self-employed? Do you earn seasonal income? Are you a consultant, promoter, tax-preparer, freelancer, artist or other professional with an irregular income stream? If so, our Bank Statement Program may be perfect for you! How does it work? . Simple. Instead of requiring years of tax documents, W-2s, or proof of regular payroll checks, we base our lending decision on a combination of your bank statements and a Profit & Loss statement for your business. . Even if you earn your income in just part of the year, as long as you maintain bank accounts documenting your income stream we can help! . We offer three types . • Your Personal and Business finances Utilize a single business account • You Maintain Separate Personal and Business Accounts • You Only Use Business Bank Statements to Qualify your Loan . #myhomemortgagesolution  #realtor  #realestate  #realestateagent  #realestateinvesting  #realestateinvestor  #realestatenews  #realestatelife  #miami  #ftlauderdale