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FHA203K RENOVATION SEMINAR FOR NEW ORLEANS

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Walter "BO" Smith, Jr
Walter "BO" Smith, Jr

THIS WAS A CE SEMINAR FOR REATLORS IN THE GREATER NEW ORLEANS AREA ON HOW TO USE THE FHA203K RENOVATION AND/OR THE ENERGY EFFICIENT MORTGAGE PROGRAM TO SUSTAIN HOUSING. REALTORS LEARNED HOW THE PROGRAMS WORKED AND HOW TO SELL THE PROGRAMS SO MORE HOMES CAN BE RENOVATED AND BE MORE ENERGY EFFICIENT.

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P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | New Orleans Metropolitan Association of REALTORS®: Continuing Education Building Blocks For Success FHA 203(k) & Energy Efficient Mortgages
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Your Instructor: Bo Smith @boknowmortgages Bo Knows Mortgages Walter “Bo” Smith Jr. Mortgage Officer NMLS 92100 Office: 504.613.6355 bosmith@houseloan.com BoKnowsMortgages.com Licensed by the Mississippi Department of Banking and Consumer Finance NMLS 92100 Not a commitment to lend. Borrower must meet qualification criteria.
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | About Cornerstone Home Lending  Full-service mortgage banker founded in 1988 and based in Houston  Well-capitalized, highly liquid, profitable operations  $4.3 Billion Dollars 2012  80+ offices in 13 states; 900 employees  Approved and in good standing with Fannie Mae, Freddie Mac and FHA/VA
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Our Products and Programs Our Focus:  FHA 203(k)  Energy Efficient Mortgages - Conventional MINOR Repairs post closing Other Services:  Conventional and Jumbo loans  FHA, VA and USDA loans  First-time homebuyer expertise  Purchases  Refinances/cash out refinances  Primary residences, second homes and investment properties I am licensed in: • Alabama • Arkansas • Louisiana • Mississippi • Tennessee • Texas • Washington, DC
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | What is your perception of the FHA 203(k)?
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Are you only as good as EASY?
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | SITES YOU MIGHT WANT TO CONSIDER! -ZITE.com -2010 US CENSUS -Ted.com -gnocdc.org Greater NOLA COmmunity Center
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | FHA 203(k)s
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | FHA 203(k) loans are used in three different ways:  To purchase and rehabilitate a home  To purchase a dwelling, move it to another site and rehabilitate it  To refinance an existing How Can 203(k) Loans Be Used?
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com |  Remaining funds are placed in escrow and released as repairs are completed  May roll in up to six months of mortgage payments if the HUD consultant determines you must be displaced during repairs Standard FHA 203(K) Loan
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com |  Find a property and make an offer  Find an FHA-approved lender experienced with 203(k) loans  Have the property appraised  Home loan is approved and closed  Property rehabilitation begins  Escrowed funds are released 203(k) Process from Start to Finish
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | General requirements:  Must be a one- to four-family dwelling  Construction must have been completed for at least one year  May be used to convert a one-family dwelling to a two-, three- or four-family dwelling  A multi-unit dwelling may be decreased to a one- to four-family unit Property Eligibility Requirements
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Eligible 203(k) Renovations  New freestanding appliances  Bathroom remodeling  Master bedroom suite remodel  Upgrading HVAC  Energy efficient improvements  Wells and septic repair and upgrades  New siding  Interior or exterior painting  Attic build-outs  Basement waterproofing  New hardwood flooring  New doors and windows  Plumbing and electrical upgrades  Floor plan expansion  New granite countertops  Vaulting the ceilings  GREEN improvements and enhancements  Neck deck/patios  New fixtures for bathtubs, sinks and kitchens  Making a house handicap accessible
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Did you know? Can you guess the what is the median AGE of homes that were built in New Orleans- Kenner-Metarie?
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | The Median Age in 2004 was 1960! Guess Why? Did you know? 43 Years The Median Age of Homes built in the Greater New Orleans is1970
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Louisiana Residential Agreement to Buy or Sell (Page 2, Lines 54-65) (54) FINANCED SALE: This sale is conditioned upon the ability of BUYER to borrow with this Property as security for the loan the sum of $___________Or 3.5% of the Sale Price by a mortgage loan or loans at an initial interest rate not to exceed ______% per annum, interest and principal, amortized over a period of not less than ______ years, payable in monthly installments or on any other terms as may be acceptable to BUYER provided that these terms do not increase the cost, fees, or expenses to SELLER. The loan shall be secured by a __ Fixed Rate Mortgage; ___ Adjustable Rate Mortgage; ___ VA Guaranteed Mortgage; _x_ FHA Insured Mortgage; ___ Owner Financing; ___ Bond Financing; ___ Other. Fees paid by SELLER that are required by lender, if any, shall not exceed $6000. BUYER agrees to pay discount points not to exceed ____% of the loan amount. Other financing conditions: FHA 203k RENOVATION CLOSING TO OCCUR 45 DAYS AFTER SIGNED CONTRACT.
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Executed 50 days prior to closing: Contract FHA 203k TIMELINE -50 days: Closing Agent Info -40 days: Contractor Information -35 days: Contractor Bids • Consultant Workup if Applicable HERS/ EEM Data if Applicable • Credit Approval - 25 days: Appraisal - 20 days: Special Title Work (i.e. Leasehold)
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | FHA 203k TIMELINE -15 days: Final Approval • MCC Approval if Applicable • Bond Approval if Applicable -10 days: Loan Conditions Cleared - 7 days: Hazard Insurance • File Set to Close Day of Closing: Execute Closing Documents +6 months: 203(k) Cash Closeout - 5 days: Documents to Title Company
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | FHA 203k Endorsed Lenders: Instructions: • Go to www.HUD.gov • Select resources on the drop down menu • Select lender locator
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | FHA 203k Endorsed Lenders: Instructions: • Type in the location criteria • Then, select the “search” button
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Renovated Home of the Year!
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before and After
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before & After
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before & After
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before & After
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before & After
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before & After
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before & After
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before & After
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | AFTER Picture
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Is this a house?
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Would this kitchen work for you?
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Where is this house?
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Meet Mayor Reeves!
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Who wanted to be next to these houses!
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | So he decided on this home instead!
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Over grown vegetation and rotten wood!
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | After!
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | After
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | AFTER
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | AFTER
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | AFTER
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Front of House - AFTER
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | House overlooking MS River!
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Mold was in Kitchen!
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Complete new kitchen!
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Front of House- BEFORE
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | FRONT OF HOUSE- BEFORE
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | What was wrong?
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Lead Issues No Problems!
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | EPA Certified!
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | AS -IS
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | AS - NEW
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | 30 Minute Break
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Energy Efficient Mortgages
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Energy Efficient Mortgage (EEM)  History of EEM  Energy Efficient Mortgage was created by DOE in the late 1980s  Offered by HUD as a pilot program in 1992  Energy Efficient Mortgage became a national program in 1995  From 1998-2003 EEM had an irregular growth spurt  In comparison to 8 million sold homes in 2007, EEM makes up less than 1 percent
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Energy Efficient Mortgage (EEM) Another Energy Savings Option: Energy Improvement Mortgage (EIM) - allows buyers to finance the energy upgrades of an existing home in the mortgage using monthly energy savings calculated by a HERS Inspector.
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Did you know? The median age of the American home is 36 years.
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Old Homes…New Needs
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Old Homes…New Needs
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Old Homes…New Needs
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Blower Door Test!
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Think about it…
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Energy Efficiency Tests in NOLA
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before & After
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before & After Dust and other small objects were getting stuck throughout the duct system which clogged the flow of air.
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before & After The basement was full of water (shown in the picture to the left) from the pipes above that dripped condensation constantly.
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before & After Gaping holes in the duct work along with pipes that did not fit tightly together made heating and cooling the home a nightmare.
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before & After With a freshly wrapped duct and a fully caulked system, this home will save hundreds a year in energy costs.
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before & After
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before & After Geo Thermal System Attic Tent
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before & After Loop System
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before & After
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before & After Each room has its own unit. Piping runs to outside inverter.
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before & After
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before & After
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before & After
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before & After
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before & After
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Your Instructor: Bo Smith @boknowmortgages Bo Knows Mortgages Bo Smith Mortgage Officer NMLS 92100 Office: 504.613.6355 bosmith@houseloan.com BoKnowsMortgages.com Licensed by the Mississippi Department of Banking and Consumer Finance NMLS 92100 Not a commitment to lend. Borrower must meet qualification criteria.
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Questions?
P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | For your CE certificate: Elective Hours: 3 Course Title: Building Blocks For Success FHA 203(k) & Energy Efficient Mortgages Instructor: Bo Smith Approval Code: 0194 Date Attended: 7/27/2012 & 7/30/2012 Location: NOMAR/GSREIN Office 4350 Highway 22, Suite J, Mandeville 70448 NOMAR Metairie CE 3645 North I-10 Service Road West Metairie, LA 70002 3rd Floor Name of Provider: Cornerstone Home Lending, Inc. 1900 Lakeland Drive, Ste 5 Jackson, MS 39216 601.982.1153

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FHA203K RENOVATION SEMINAR FOR NEW ORLEANS

  • 1. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | New Orleans Metropolitan Association of REALTORS®: Continuing Education Building Blocks For Success FHA 203(k) & Energy Efficient Mortgages
  • 2. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Your Instructor: Bo Smith @boknowmortgages Bo Knows Mortgages Walter “Bo” Smith Jr. Mortgage Officer NMLS 92100 Office: 504.613.6355 bosmith@houseloan.com BoKnowsMortgages.com Licensed by the Mississippi Department of Banking and Consumer Finance NMLS 92100 Not a commitment to lend. Borrower must meet qualification criteria.
  • 3. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | About Cornerstone Home Lending  Full-service mortgage banker founded in 1988 and based in Houston  Well-capitalized, highly liquid, profitable operations  $4.3 Billion Dollars 2012  80+ offices in 13 states; 900 employees  Approved and in good standing with Fannie Mae, Freddie Mac and FHA/VA
  • 4. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Our Products and Programs Our Focus:  FHA 203(k)  Energy Efficient Mortgages - Conventional MINOR Repairs post closing Other Services:  Conventional and Jumbo loans  FHA, VA and USDA loans  First-time homebuyer expertise  Purchases  Refinances/cash out refinances  Primary residences, second homes and investment properties I am licensed in: • Alabama • Arkansas • Louisiana • Mississippi • Tennessee • Texas • Washington, DC
  • 5. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | What is your perception of the FHA 203(k)?
  • 6. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Are you only as good as EASY?
  • 7. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | SITES YOU MIGHT WANT TO CONSIDER! -ZITE.com -2010 US CENSUS -Ted.com -gnocdc.org Greater NOLA COmmunity Center
  • 8. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | FHA 203(k)s
  • 9. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | FHA 203(k) loans are used in three different ways:  To purchase and rehabilitate a home  To purchase a dwelling, move it to another site and rehabilitate it  To refinance an existing How Can 203(k) Loans Be Used?
  • 10. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com |  Remaining funds are placed in escrow and released as repairs are completed  May roll in up to six months of mortgage payments if the HUD consultant determines you must be displaced during repairs Standard FHA 203(K) Loan
  • 11. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com |  Find a property and make an offer  Find an FHA-approved lender experienced with 203(k) loans  Have the property appraised  Home loan is approved and closed  Property rehabilitation begins  Escrowed funds are released 203(k) Process from Start to Finish
  • 12. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | General requirements:  Must be a one- to four-family dwelling  Construction must have been completed for at least one year  May be used to convert a one-family dwelling to a two-, three- or four-family dwelling  A multi-unit dwelling may be decreased to a one- to four-family unit Property Eligibility Requirements
  • 13. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Eligible 203(k) Renovations  New freestanding appliances  Bathroom remodeling  Master bedroom suite remodel  Upgrading HVAC  Energy efficient improvements  Wells and septic repair and upgrades  New siding  Interior or exterior painting  Attic build-outs  Basement waterproofing  New hardwood flooring  New doors and windows  Plumbing and electrical upgrades  Floor plan expansion  New granite countertops  Vaulting the ceilings  GREEN improvements and enhancements  Neck deck/patios  New fixtures for bathtubs, sinks and kitchens  Making a house handicap accessible
  • 14. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Did you know? Can you guess the what is the median AGE of homes that were built in New Orleans- Kenner-Metarie?
  • 15. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | The Median Age in 2004 was 1960! Guess Why? Did you know? 43 Years The Median Age of Homes built in the Greater New Orleans is1970
  • 16. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Louisiana Residential Agreement to Buy or Sell (Page 2, Lines 54-65) (54) FINANCED SALE: This sale is conditioned upon the ability of BUYER to borrow with this Property as security for the loan the sum of $___________Or 3.5% of the Sale Price by a mortgage loan or loans at an initial interest rate not to exceed ______% per annum, interest and principal, amortized over a period of not less than ______ years, payable in monthly installments or on any other terms as may be acceptable to BUYER provided that these terms do not increase the cost, fees, or expenses to SELLER. The loan shall be secured by a __ Fixed Rate Mortgage; ___ Adjustable Rate Mortgage; ___ VA Guaranteed Mortgage; _x_ FHA Insured Mortgage; ___ Owner Financing; ___ Bond Financing; ___ Other. Fees paid by SELLER that are required by lender, if any, shall not exceed $6000. BUYER agrees to pay discount points not to exceed ____% of the loan amount. Other financing conditions: FHA 203k RENOVATION CLOSING TO OCCUR 45 DAYS AFTER SIGNED CONTRACT.
  • 17. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Executed 50 days prior to closing: Contract FHA 203k TIMELINE -50 days: Closing Agent Info -40 days: Contractor Information -35 days: Contractor Bids • Consultant Workup if Applicable HERS/ EEM Data if Applicable • Credit Approval - 25 days: Appraisal - 20 days: Special Title Work (i.e. Leasehold)
  • 18. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | FHA 203k TIMELINE -15 days: Final Approval • MCC Approval if Applicable • Bond Approval if Applicable -10 days: Loan Conditions Cleared - 7 days: Hazard Insurance • File Set to Close Day of Closing: Execute Closing Documents +6 months: 203(k) Cash Closeout - 5 days: Documents to Title Company
  • 19. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | FHA 203k Endorsed Lenders: Instructions: • Go to www.HUD.gov • Select resources on the drop down menu • Select lender locator
  • 20. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | FHA 203k Endorsed Lenders: Instructions: • Type in the location criteria • Then, select the “search” button
  • 21. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Renovated Home of the Year!
  • 22. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before and After
  • 23. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before & After
  • 24. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before & After
  • 25. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before & After
  • 26. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before & After
  • 27. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before & After
  • 28. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before & After
  • 29. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before & After
  • 30. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | AFTER Picture
  • 31. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Is this a house?
  • 32. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Would this kitchen work for you?
  • 33. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Where is this house?
  • 34. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Meet Mayor Reeves!
  • 35. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Who wanted to be next to these houses!
  • 36. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | So he decided on this home instead!
  • 37. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Over grown vegetation and rotten wood!
  • 38. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | After!
  • 39. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | After
  • 40. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | AFTER
  • 41. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | AFTER
  • 42. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | AFTER
  • 43. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Front of House - AFTER
  • 44. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | House overlooking MS River!
  • 45. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Mold was in Kitchen!
  • 46. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Complete new kitchen!
  • 47. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Front of House- BEFORE
  • 48. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | FRONT OF HOUSE- BEFORE
  • 49. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | What was wrong?
  • 50. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Lead Issues No Problems!
  • 51. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | EPA Certified!
  • 52. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | AS -IS
  • 53. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | AS - NEW
  • 54. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | 30 Minute Break
  • 55. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Energy Efficient Mortgages
  • 56. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Energy Efficient Mortgage (EEM)  History of EEM  Energy Efficient Mortgage was created by DOE in the late 1980s  Offered by HUD as a pilot program in 1992  Energy Efficient Mortgage became a national program in 1995  From 1998-2003 EEM had an irregular growth spurt  In comparison to 8 million sold homes in 2007, EEM makes up less than 1 percent
  • 57. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Energy Efficient Mortgage (EEM) Another Energy Savings Option: Energy Improvement Mortgage (EIM) - allows buyers to finance the energy upgrades of an existing home in the mortgage using monthly energy savings calculated by a HERS Inspector.
  • 58. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Did you know? The median age of the American home is 36 years.
  • 59. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Old Homes…New Needs
  • 60. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Old Homes…New Needs
  • 61. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Old Homes…New Needs
  • 62. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Blower Door Test!
  • 63. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Think about it…
  • 64. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Energy Efficiency Tests in NOLA
  • 65. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before & After
  • 66. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before & After Dust and other small objects were getting stuck throughout the duct system which clogged the flow of air.
  • 67. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before & After The basement was full of water (shown in the picture to the left) from the pipes above that dripped condensation constantly.
  • 68. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before & After Gaping holes in the duct work along with pipes that did not fit tightly together made heating and cooling the home a nightmare.
  • 69. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before & After With a freshly wrapped duct and a fully caulked system, this home will save hundreds a year in energy costs.
  • 70. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before & After
  • 71. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before & After Geo Thermal System Attic Tent
  • 72. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before & After Loop System
  • 73. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before & After
  • 74. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before & After Each room has its own unit. Piping runs to outside inverter.
  • 75. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before & After
  • 76. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before & After
  • 77. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before & After
  • 78. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before & After
  • 79. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Before & After
  • 80. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Your Instructor: Bo Smith @boknowmortgages Bo Knows Mortgages Bo Smith Mortgage Officer NMLS 92100 Office: 504.613.6355 bosmith@houseloan.com BoKnowsMortgages.com Licensed by the Mississippi Department of Banking and Consumer Finance NMLS 92100 Not a commitment to lend. Borrower must meet qualification criteria.
  • 81. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | Questions?
  • 82. P: 555.123.4568 F: 555.123.4567 123 West Main Street, New York, NY 10001 www.rightcare.com | For your CE certificate: Elective Hours: 3 Course Title: Building Blocks For Success FHA 203(k) & Energy Efficient Mortgages Instructor: Bo Smith Approval Code: 0194 Date Attended: 7/27/2012 & 7/30/2012 Location: NOMAR/GSREIN Office 4350 Highway 22, Suite J, Mandeville 70448 NOMAR Metairie CE 3645 North I-10 Service Road West Metairie, LA 70002 3rd Floor Name of Provider: Cornerstone Home Lending, Inc. 1900 Lakeland Drive, Ste 5 Jackson, MS 39216 601.982.1153

Notas do Editor

  1. http://www.infoplease.com/us/census/data/louisiana/new-orleans/housing.html
  2. http://www.infoplease.com/us/census/data/louisiana/new-orleans/housing.html
  3. http://www.infoplease.com/us/census/data/louisiana/new-orleans/housing.html
  4. http://www.infoplease.com/us/census/data/louisiana/new-orleans/housing.html
  5. http://portal.hud.gov/hudportal/HUD?src=/press/press_releases_media_advisories/2010/HUDNo.10-138
  6. http://portal.hud.gov/hudportal/HUD?src=/press/press_releases_media_advisories/2010/HUDNo.10-138
  7. http://portal.hud.gov/hudportal/HUD?src=/press/press_releases_media_advisories/2010/HUDNo.10-138
  8. Source: http://energeyesonline.com