10 steps to home ownership Dean Wegner
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Down payment assistance guide for all of ArizonaDown payment assistance programs az booklet 04-22-14
Down payment assistance programs az booklet 04-22-14Dean Wegner of Guardian Mortgage, Arizona 602-432-6388
The price is right! how to accurately value a home feb 18thThe price is right! how to accurately value a home feb 18th
The price is right! how to accurately value a home feb 18thDean Wegner of Guardian Mortgage, Arizona 602-432-6388
Mortgage Payment Options at HomeStreet Home LoansMortgage Payment Options at HomeStreet Home Loans
Mortgage Payment Options at HomeStreet Home LoansDean Wegner of Guardian Mortgage, Arizona 602-432-6388
HAS DODD-FRANK MOVED MY CHEESE?
BY KEVIN W. HARDIN, JD, CMB, CMC, CMPS & KEVIN FALLON MCCARTHY, ESQ.
OVERVIEW
This article is an in-depth look at the Seller Carryback
Financing components of the Dodd-Frank Wall Street Reform
and Consumer Protection Act (Dodd-Frank Act). In it, the
authors detail the issues a seller must be aware of before
completing a carryback financing transaction. These include:
• Understanding what properties are covered
by the Secure and Fair Enforcement for
Mortgage Licensing Act (SAFE);
• The two exemptions available for sellers and real estate
agents: the One in One Year Rule, wherein financing
is provided for one property in a 12-month period and
the Three in One Year Rule wherein the seller finances
three or fewer properties in any 12-month period.
• The role of licensed real estate agents and
brokers in these transactions. Specifically, what
actions cross the line between performing
a sale and becoming a loan originator.HAS DODD-FRANK MOVED MY CHEESE?BY KEVIN W. HARDIN - Page 14
HAS DODD-FRANK MOVED MY CHEESE?BY KEVIN W. HARDIN - Page 14Dean Wegner of Guardian Mortgage, Arizona 602-432-6388
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Down payment assistance guide for all of ArizonaDown payment assistance programs az booklet 04-22-14
Down payment assistance programs az booklet 04-22-14Dean Wegner of Guardian Mortgage, Arizona 602-432-6388
The price is right! how to accurately value a home feb 18thThe price is right! how to accurately value a home feb 18th
The price is right! how to accurately value a home feb 18thDean Wegner of Guardian Mortgage, Arizona 602-432-6388
Mortgage Payment Options at HomeStreet Home LoansMortgage Payment Options at HomeStreet Home Loans
Mortgage Payment Options at HomeStreet Home LoansDean Wegner of Guardian Mortgage, Arizona 602-432-6388
HAS DODD-FRANK MOVED MY CHEESE?
BY KEVIN W. HARDIN, JD, CMB, CMC, CMPS & KEVIN FALLON MCCARTHY, ESQ.
OVERVIEW
This article is an in-depth look at the Seller Carryback
Financing components of the Dodd-Frank Wall Street Reform
and Consumer Protection Act (Dodd-Frank Act). In it, the
authors detail the issues a seller must be aware of before
completing a carryback financing transaction. These include:
• Understanding what properties are covered
by the Secure and Fair Enforcement for
Mortgage Licensing Act (SAFE);
• The two exemptions available for sellers and real estate
agents: the One in One Year Rule, wherein financing
is provided for one property in a 12-month period and
the Three in One Year Rule wherein the seller finances
three or fewer properties in any 12-month period.
• The role of licensed real estate agents and
brokers in these transactions. Specifically, what
actions cross the line between performing
a sale and becoming a loan originator.HAS DODD-FRANK MOVED MY CHEESE?BY KEVIN W. HARDIN - Page 14
HAS DODD-FRANK MOVED MY CHEESE?BY KEVIN W. HARDIN - Page 14Dean Wegner of Guardian Mortgage, Arizona 602-432-6388
This ML is effective for case numbers assigned on or after January 26, 2015.
FHA TO REDUCE ANNUAL INSURANCE PREMIUMS
Reduction to increase credit affordability and reflects improved economic health of FHA
WASHINGTON – As the nation’s housing market continues to improve, U.S. Housing and Urban Development Secretary Julián Castro today announced the Federal Housing Administration (FHA) will reduce the annual premiums new borrowers will pay by half of a percent. This action is projected to save more than two million FHA homeowners an average of $900 annually and spur 250,000 new homebuyers to purchase their first home over the next three years.
Today’s action also reflects the improved economic health of FHA’s Mutual Mortgage Insurance Fund (MMIF). FHA’s recent annual report to Congress demonstrates the economic condition of the agency’s single-family insurance fund continues to improve, adding $21 billion in value over the past two years.
“This action will make homeownership more affordable for over two million Americans in the next three years,” said U.S. Department of Housing and Urban Development Secretary Julián Castro. “Since 2009, the Obama Administration has taken bold steps to reduce risks in the mortgage market and to protect consumers. These efforts have made it possible to take this prudent measure while also ensuring FHA remains on a positive financial trajectory. By bringing our premiums down, we’re helping folks lift themselves up so they can open new doors of opportunity and strengthen their financial futures.”
In the wake of the nation’s housing crisis, FHA increased its premium prices to stabilize the health of its MMI Fund. In addition, the Obama Administration took dramatic steps to safeguard consumers in the mortgage market to ensure responsible borrowers continued to have access to mortgage capital as many private lending sources tightened their lending standards.
Today’s reduction will significantly expand access to mortgage credit for these families and is expected to lower the cost of housing for the approximately 800,000 households who use FHA annually.
FHA’s new annual premium prices are expected to take effect towards the end of the month. FHA will publish a mortgagee letter detailing its new pricing structure shortly..85% mortgage insurance fha drop january 2015 obama
.85% mortgage insurance fha drop january 2015 obamaDean Wegner of Guardian Mortgage, Arizona 602-432-6388
SAMPLE of the newNew purchase contract sample arizona - copy aar
New purchase contract sample arizona - copy aarDean Wegner of Guardian Mortgage, Arizona 602-432-6388
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Down payment assistance programs az booklet 04-22-14
Down payment assistance programs az booklet 04-22-14
The price is right! how to accurately value a home feb 18th
The price is right! how to accurately value a home feb 18th
HAS DODD-FRANK MOVED MY CHEESE?BY KEVIN W. HARDIN - Page 14
HAS DODD-FRANK MOVED MY CHEESE?BY KEVIN W. HARDIN - Page 14
.85% mortgage insurance fha drop january 2015 obama
.85% mortgage insurance fha drop january 2015 obama
Mais de Dean Wegner of Guardian Mortgage, Arizona 602-432-6388
Want 2 VA loans at same time? Guaranty calculation Examples VAWant 2 VA loans at same time? Guaranty calculation Examples VA rtgage
Want 2 VA loans at same time? Guaranty calculation Examples VA rtgageDean Wegner of Guardian Mortgage, Arizona 602-432-6388
As a member of the National Guard
or Reserve you may qualify for
a wide range of benefits offered
by the Department of Veterans
Affairs (VA). VA is here to help
you and your family understand
the benefits for which you may
be eligible and how to apply for
them. VA benefits include disability
compensation, pension, home loan
guaranty, education, health care,
insurance, vocational rehabilitation
and employment, and burial.VA National Guard Benefit Summary to Buy a Home
VA National Guard Benefit Summary to Buy a HomeDean Wegner of Guardian Mortgage, Arizona 602-432-6388
HomeReady™ Mortgage
Designed for creditworthy, low- to moderate-income borrowers, with expanded eligibility for financing homes in designated
low-income, minority, and disaster-impacted communities. HomeReady lets you lend with confidence while expanding
access to credit and supporting sustainable homeownership. Key features:
Simplicity and certainty for lenders
Streamlined pricing and execution
Product features designed to align with today’s buyer demographics and support sustainable homeownership
1-Homeready Product Matrix - December 12th, 2015
Homeready Product Matrix - December 12th, 2015Dean Wegner of Guardian Mortgage, Arizona 602-432-6388
Buying a home can seem daunting, but if you plan ahead and know all your mortgage options, it doesn’t have to be. Gaining a thorough understanding of the homebuying process can help ensure you have a smooth and positive experience.
Working with the right team of real estate and mortgage professionals makes all the difference. Academy commits to working seamlessly with you and your real estate agent as a team to get your loan closed in a timely and professional mannerDean Wegner first time homebuyers presentation
Dean Wegner first time homebuyers presentationDean Wegner of Guardian Mortgage, Arizona 602-432-6388
TILA RESPA Integration disclosure
timeline exampleTILA RESPA Integration Disclosure Timeline Example
TILA RESPA Integration Disclosure Timeline ExampleDean Wegner of Guardian Mortgage, Arizona 602-432-6388
Fannie Mae and Freddie Mac Maximum Loan Limits for Mortgages Acquired in Calendar Year 2015Fannie Mae and Freddie Mac Maximum Loan Limits for Mortgages in Calendar Year...
Fannie Mae and Freddie Mac Maximum Loan Limits for Mortgages in Calendar Year...Dean Wegner of Guardian Mortgage, Arizona 602-432-6388
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Want 2 VA loans at same time? Guaranty calculation Examples VA rtgage
Want 2 VA loans at same time? Guaranty calculation Examples VA rtgage
TILA RESPA Integration Disclosure Timeline Example
TILA RESPA Integration Disclosure Timeline Example
Fannie Mae and Freddie Mac Maximum Loan Limits for Mortgages in Calendar Year...
Fannie Mae and Freddie Mac Maximum Loan Limits for Mortgages in Calendar Year...
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10 steps to home ownership Dean Wegner
- 1. "Arizona's Leading Mortgage Expert" Branch Sales Manager Dean Wegner Dean.Wegner@HomeStreet.com https://www.HomeStreet.com/DWegner Scottsdale AZ 85254 7047 E GreenwayParkway #250 HomeStreet Home Loans 602-432-6388 480-286-3303 Cell Office NMLS ID# 220741 Rates effective 09/19/16. This document is not intended as an offer to extend credit nor a commitment to lend. Any programs or terms presented here are for illustrative purposes onlyand may not currently be available. All loans subject to program guidelines and underwriting approval.