Call to get Pre-Qualified: 800-806-9836 x280

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Do USDA loans require verification of rental history?

Due to the variety of USDA qualifying questions that we receive on our subject today, I feel it is important to give you the facts in order to help keep your all important financing headed to the closing table!

But before we get started, don’t forget to download our newest educational flyer with the link below.  This free guide is designed to help walk you through the mortgage qualifying process step-by-step and is ideal for both homebuyers and Realtors alike.

So, do USDA loans require verification of rental history?

Everybody’s situation is different, because a person may pay their rent by cash, check, money, or a combination and it may be paid to a private individual, apartment complex, or an independent management company.

Additionally, an individual may not have a verifiable rental payment history such as when one is living with family or rent free.

Tampa FL USDA Approved Lender List

As a starting point, USDA guidelines state that in cases where the qualifying credit score is below 680 and there is a rental payment history, the lender should obtain a rent payment reference either as:

  • Part of the credit report, or
  • Directly from the landlord, or
  • Through cancelled checks covering the most recent 12 months prior to the loan application.

While the USDA guidelines state that “written verifications by independent management companies and private landowners may be accepted in lieu of canceled checks or money order receipts.”

It further confirms that “when a private individual is the applicant’s present landlord, 12 months’ worth of cancelled checks indicating a satisfactory rent payment history is preferred.”

Also, in cases when the applicant does not have a full 12 month history we would need to “verify any previous payment made in the last 12 months”.

Remember, USDA loan eligibility provides that it is the “lender’s responsibility to confirm the applicant’s history of payment towards housing expense is acceptable”.

“One rent or mortgage payment paid 30 or more days late within the last 12 months is an indicator of unacceptable credit”, unless further consideration may be allowed due to extenuating circumstances.

With that being said, here are the situations where a USDA loan would NOT require verification of rental history:

  • USDA Applicants with credit scores of 680 and above are not subject to verification of rent or housing history
  • USDA Loans processed through the GUS underwriting system that receive an “Accept” response are not subject to verification of rent or housing history.

Tampa FL USDA Approved Lender ListIn summary, USDA loans do not always require verification of rental history, but when it is, an acceptable rental payment history will be necessary and the documentation to do so will be dependent on how your rent is paid and the type of landlord you make the payments to.

If you have been denied for a USDA loan due to verification of rental history, please call or email us today in order to take advantage of our free 2nd opinion service which gives you access to an expert opinion and possibly be able to keep that all important financing on track!

SeanS@MPLX.org

(800) 806-9836 x 280

Are you working with a lender that understands the USDA program? Here is the report to download so you can be in the know:

Tampa FL USDA Approved Lender List

 

Can you qualify for a USDA loan with little or no credit history?

How do you qualify for a USDA loan with little or no credit history?

In a situation where there has been little credit established or no credit history reporting at all, can it still be possible to qualify for a USDA loan?

In today’s video I will discuss what options are available for these situations and further explain how it can be possible to qualify for a USDA loan with either limited or no history reporting to the credit bureaus.

And, if you have not yet done so, don’t forget to download our newest educational flyer with the link below. This free guide will show you how it can be possible to increase a qualifying credit score in less than a week!

How do you qualify for a USDA loan with little or no credit history?

First off, what does non-traditional credit really mean?  A traditional credit reference example may be an:

  • Auto loan,Tampa FL USDA Approved Lender List
  • Credit card, or
  • Another type of account that is reporting to the credit bureaus

But, when a potential homebuyer does not have this traditional type of established credit reporting, we still have options are are able to utilize non-traditional credit accounts, also known as alternative credit, to help establish their ability to qualify and repay the loan with examples being:

  • Electric Bill,
  • Water,
  • Phone, or
  • Rental payments through either a management company or cancelled checksTampa FL USDA Approved Lender List

Overall, USDA guidelines require that there be at least two eligible tradelines (accounts) on the credit report with at least 12 months of repayment history to be reviewed as part of their minimum credit reputation requirement.

However, for those buyers who have limited or no credit history reporting at all, USDA guidelines state the following when using non-traditional credit to qualify:

  • Two trade references are required when at least one of the trade references includes verification of rental housing payments or mortgage loan payments.
  • If unavailable, at least three trade references must be used to determine if an applicant has a sufficient credit history.

Once we are able to determine which eligible recent accounts are to be verified, payment histories will be reviewed in order to determine their eligibility towards USDA qualifying.

In summary, remember that it can be possible to qualify for a USDA loan with little or no credit history, but minimum credit conditions will apply, and the use of non-traditional credit may not be a substitute for negative credit.

We understand that qualifying for a USDA Loan may seem difficult and overwhelming, but… when you work with a lender that can maximize the potential of this unique program, it is a match that can help open the door to homeownership.

So, keep us in mind for your next pre-qualification or if you have a current USDA loan in progress and need an expert 2nd opinion.

Just call or email to discuss your scenario and let us show you the “Metroplex” difference!

Email: SeanS@MPLX.org
Toll Free: (800)806-9836 Ext. 280

Let’s make it a great day and I look forward to seeing you right here for the next tip of the week!

Here is the educational flyer to download in order to learn how it can be possible to increase a credit score in less than a week!

Tampa FL USDA Approved Lender

Do USDA loans require two years at the same job?

As we all know, work history can be critical when qualifying for a USDA loan and other programs such as VA, FHA, & Conventional mortgages.

Now, with that being said, do USDA loans require two years at the same job?

There is quite a bit of myth to this topic and in today’s video tip, I will provide the critical facts and explain the details. However, if you do know of anyone that may have been turned down due to their time on the job, please take advantage of our free Second Opinion Service (SOS) and see if we can help turn their financing around!

Do USDA loans require two years on the same job?

When I talk with buyers and Realtors alike, it is common to be asked if USDA loans require two years at the same job.

As you can imagine, guidelines regarding employment history are critical when trying to qualify for a USDA loan and mortgages in general.

Do USDA loans require two years at the same job

USDA 3555 guidelines state the following regarding employment:

“There is no minimum length of time an applicant must have held a position to consider employment income as dependable.”

“However, the lender must verify the applicant’s employment for the most recent two full years and verify that the applicant’s income has been stable.”

Additionally, USDA guidelines confirm that “if an applicant indicates he or she was in school or in the military during any of this time, the applicant must provide evidence supporting this such as college transcripts or discharge papers.”

Also, for those buyers who may have just went back to work for various reasons it states: “If the applicant has recently re-entered the workforce after an absence to care for a family member or minor child, extended medical illness, or other circumstance reasonable to the lender, the applicant must provide evidence.”

However, in regards to gaps of employment, the guidelines further confirm: “The applicant should not have any gaps in employment of more than a month within the two year period prior to making the loan application.”

As always, “It remains the lender’s responsibility to analyze the gaps in employment as it relates to the probability of continued income”.

Do USDA loans require two years at the same job?

As you can see, not one size fits all in these scenarios and it is important to point out, that while you do not have to be on the same job for two years in order to qualify for a USDA loan, USDA approved lenders still must determine stable and dependable monthly income from verified sources.

Please remember that job stability provides strength with your qualifying and having long time employment at the same job can be a very strong compensating factor towards both underwriting and USDA Rural Development approval.

 

How can student loans affect USDA loan approval?

Unfortunately in our world today, qualifying to buy a home with student loan debt is becoming a bigger challenge every day and this is not just an isolated problem for First-Time Homebuyers.

In today’s video I will break down the calculations, explain how student loans are considered with USDA loan qualifying, and show how it can impact your budget and qualifying sales price.

But before we get started, 2nd opinions are always important, so if you have financing questions and are working with another lender, we offer this complimentary service where you can get access to an expert 2nd opinion which is great for both pre-qualifications and those transactions already under contract and experiencing financing difficulties.

What are USDA student loan guidelines in 2017?

In a recent report by the Federal Reserve it stated “Among young adults who attend college, it is increasingly expected that at least a portion of their education will be financed through a student loan or other forms of borrowing.”Tampa FL USDA Approved Lender

While many of us may say that seems like common sense, the actual numbers are somewhat staggering. In a February 2017 article by Forbes it reported that “Student loan debt is now the second highest consumer debt category” and “there are more than 44 million borrowers with $1.3 trillion in student loan debt in the U.S. alone”!

Now, after we all have taken a deep breath, let’s get into the details of what are the USDA student loan guidelines in 2017.

Under prior guidelines, USDA loans had separate requirements for Income Based Repayment Student loans, but please note that these no longer apply under the current USDA 3555 handbook.

Now, the following calculations will apply which require USDA approved lenders to include the greater of:

  • One percent of the outstanding loan balance; or
  • The fixed payment as reflected on the credit report.

However, the key is that if the payment reporting on the credit report is considered a repayment plan that is subject to change, they will not be considered acceptable and therefore will have to take the one percent of the outstanding balance for USDA loan qualifying.

While this may seem confusing, here are examples of the type of student loans that may be reporting a payment, but would not be considered acceptable:

Tampa FL USDA Approved Lender

  • Income Based Repayment Plans (IBRs)
  • Graduated Plans
  • Adjustable Rates
  • Interest Only, and
  • Deferred Plans

Please note that in order to use monthly payment amounts listed on the credit report that are less than one percent of the outstanding balance, we must document that with proof of loan terms from the student loan servicer which shows it is on an acceptable fixed rate payment plan.

In summary, when trying to qualify for a USDA loan with student loans be prepared to calculate 1% of the outstanding balance towards your qualifying ability unless you can get proper documentation that verifies you are on some type of acceptable fixed repayment plan.

Sean Stephens | NMLS# 185288

Toll Free: 800.806.9836 x280

When you compare a USDA loan to an FHA loan, it is important to understand the terminology and how the different borrowing costs can affect your budget and the price of home you may qualify for.

In today’s video, I will show you the facts and also key differences between USDA, FHA, and Conventional financing.

However, before we get started feel free to download our newest “How To” help guide with the link below.  This educational resource is designed to show buyers and their agents how to be proactive and handle the home loan process so you can stay out of trouble before it sneaks up on you!

Is Mortgage Insurance required for a USDA Loan?

PMI (Private Mortgage Insurance) exists on conventional loans when the down payment is less than 20%, and can be paid in a variety of different ways. The Homeowner’s Protection Act allows for PMI to be terminated automatically or by request when the balance is paid down to 80% or less of the original value of the property.

Tampa FL USDA Approved Lender List

FHA loans include MIP (Mortgage Insurance Premium) and it is paid monthly.

When your down payment on an FHA loan is less than 10%, you will be required to pay mortgage insurance for the life of the loan.  When the down payment on an FHA loan is 10% or greater, FHA mortgage insurance will be removed after 11 years.

Also, FHA charges a one-time financed mortgage insurance premium which is equal to 1.75% of the loan amount.  While that may seem like a lot, thankfully they allow you to finance that into the loan and does not have to be paid out-of-pocket.

Do USDA Loans Have PMI?

Here’s the good news – USDA Loans do not technically have mortgage insurance  Instead, they have an “annual premium” and even though it is for the life of the loan, it is over two times lower when compared to FHA monthly mortgage insurance fee!Tampa FL USDA Approved Lender List

Similar to FHA’s financed mortgage insurance, USDA also charges a Guarantee Fee, but it is only 1% and it can also can be financed into the loan.

Here is a current example of how the monthly costs compare between USDA and FHA:

$100,000 Loan Amount Example Comparing USDA and FHA Costs:

  • FHA MIP: .85% X 100,000 = $850 / 12 = $70.83 per month
  • USDA Premium: .35% X $100,000 = $350 / 12 = $29.17 per month

Also, as mentioned, a here is how the one-time financed charged compared:a

  • FHA 1.75%:  $1,750
  • USDA 1%:    $1,000

As you can see, even though USDA Loans do NOT require a down payment, their borrowing costs are better in comparison to FHA loans which does require a minimum 3.5% down payment.

Also, remember that your closing costs can be financed with a USDA loan when the appraised value is higher than the purchase price.  FHA loans do not allow this benefit.

Both FHA and USDA program costs are subject to change and as of today we are using the most updated calculations for example and illustration purposes.  Please note that all terms and comparisons lists are subject to change without notice.

As an approved USDA lender in Florida, Texas, Tennessee, and Alabama, we hold expertise in the USDA process and are a one stop point of contact from pre-qualification through closing.

Just call or email if you have any qualifying questions, want to discuss a new scenario, or would just like to take advantage of our free 2nd opinion service which is great for those existing transactions

Seans@MPLX.org

(800) 806-9836 Ext. 280

I want everyone to make it a great day and I look forward to seeing you right here for the next tip of the week!

Click here to download your USDA Blueprint for Success educational flyer for more details:

Tampa FL USDA Approved Lender List

How can you still qualify for a USDA loan if your credit score suddenly drops?

Is it possible for your credit score to be increased in less than a week?

While it is natural to think that a sudden drop in credit score may be the end of the road for a mortgage, it can be possible to increase a buyer’s credit score in less than 5 days!  As you can imagine, this has the potential to be a powerful tool for buyers who are trying to qualify for a USDA loan as well as VA, FHA or Conventional financing.

In today’s video, I will beak down the steps and show you how Rapid Rescoring can be a credit resource which can maximize your USDA, VA, FHA, or Conventional loan qualifying ability and why it is ideal for both pre-qualifications and those who are already under contract experiencing financing difficulties.

Remember,  don’t forget to download our newest educational flyer with the link below which provides more details about Rapid Rescoring and how it can help you qualify for a mortgage.

How does Rapid Rescoring work?

Rapid Rescoring also known as Credit Rescoring , is a great tool which allows us to identify specific accounts and help maximize the built in potential of a borrower’s credit profile. So what are the steps?

Step One: The credit report is analyzed for any potential improvements through both a manual review and automated credit score simulation software. We can then determine how much of a potential increase in score can be achieved and what actions need to occur.  It is important to note, that by utilizing credit simulation software, we are helping to maximize a borrower’s built in credit potential based on the current credit profile they already have.  This is NOT credit repair and should not be thought of as a solution for  situations that may need extensive repair.

Step Two: Once the suggested actions have been taken, the customer then calls their credit card or finance company and requests a balance letter or other account documentation. Once this has been received, Tampa FL USDA Approved Lender ListWe can then start the final step.

Step Three: We then submit the documentation to our credit vendor who works directly with the credit bureaus to update the account. Once the updates are complete, we are given notification to reprocess a new credit report. The process can take as little as 3-5 business days to complete after receipt of the creditor documentation, but can take longer depending on the number of accounts being processed.

Here are a few helpful reminders about rapid rescoring:

  • There is NO additional charge for this service
  • This is NOT credit repair and we are NOT a credit repair company
  • Results are not guaranteed & can vary based on differences within each credit report
  • Works best when paying down credit card account balances, but not limited to that solely
  • Depending on the number of accounts, prepare for longer processing times
  • REMEMBER, that a certain credit score does not guarantee an approval and minimum credit conditions will apply in regards to payment history, adverse accounts, and an overall history that shows the applicant has a willingness to pay their obligations.

This can be a great solution for:

  1. Upfront Pre-Qualifications
  2. Current transactions that are already under contract, but are experiencing qualifying problems
  3. USDA, VA, FHA, or Conventional Loans

Tampa FL USDA Approved Lender ListWe are known for our Government Loan experience and high customer service levels. As an approved USDA and VA lender Metroplex Mortgage Services is proud to serve both our rural and military communities.

Just call or email if you have any qualifying questions, want to discuss a new scenario, or would just like to take advantage of our free 2nd opinion service which is great for those existing transactions

Seans@MPLX.org

(800) 806-9836 Ext. 280

I want everyone to make it a great day and I look forward to seeing you right here for the next tip of the week!

Click here to download the Rapid Rescoring educational flyer for more details:

Tampa FL USDA Approved Lender

Tampa FL USDA Approved Lender ListThe painting above is the “Prayer at Valley Forge” by Arnold Friberg, painted in 1976 in honor of the country’s bi-centennial. It depicts a bitter cold day in the dead of winter 1777-78. The Continental Army had set up winter camp in a harshly criticized location. General Washington insisted on it because it could be easily defended.
Weary from marching, hungry and wearing only tatters of clothing, the soldiers settled in and tried to stay warm and alive. They had next to nothing to eat, and only a cause to help them endure. While there, over 2,500 men died. It’s said that even General Washington feared that the army would disband if something miraculous didn’t happen.
So that cold day, General George Washington took a short leave from his men and went out into the forested area near the camp. There, this giant of a man got off his horse, knelt in the snow, and cried out to his Heavenly Father to help them. This example of humility has always been inspiring.Tampa FL USDA Approved Lender List
Help was indeed given, through the gift of a quartermaster and a drill sergeant. The Continental Army emerged from Valley Forge in June of 1778 a force to be reckoned with, defeating the British at Monmouth and then at Yorktown, leading the way to independence and freedom.
Love this country. Love what these men did. Love the man George Washington for his humility and inspired leadership. On this Independence Day, may we never forget those who went before that we might have the life we live today.

May God Bless America!

Tampa Florida USDA Approved Lender List
Article credit given to the Florida Association of Mortgage Professionals

USDA Loan Reminders To Keep In Mind When You’re Out House Hunting

If you are out home shopping this 4th of July weekend, here are three helpful reminders which can help with USDA Loan Qualifying:

Tampa FL USDA Approved Lender List1. If you find a home with an in ground pool, keep in mind that USDA loans DO allow financing for a home with an inground pool. Prior to 12/1/14 there were restrictions, but those days are long gone! USDA property eligibility requirements now allow financing of homes with inground pools without issue. USDA property eligibility requirements for homes with an inground pool.

2. USDA Manual Underwriting Guidelines allow for credit scores that are below below 640.  This is important because many lenders  will only process a USDA Loan under an automated approval and scores starting at 640. This can also be a great tool when trying to qualify for a USDA loan after a short sale, bankruptcy, or foreclosure. Manual Underwriting guidelines are not offered by all lenders and require a more intensive review of the qualifying process and a greater depth of experience. Visit our previous post on How to qualify for a USDA Loan if your credit score is below 640.

3. Rapid Rescoring is an option for situations when you credit scorTampa FL USDA Approved Lender Liste is in close range, but just falls short of the qualifying limits. Rapid rescoring can help maximize the built in potential of a home buyer’s credit score in as little as 3 to 5 days! Rapid Rescoring is not credit repair and not a guaranteed solution for everyone. Visit our previous post for more information about Rapid Credit Rescoring.

As a USDA approved lender we have the necessary experience to help maximize your qualifying and to make the most out of this great program.

Just call or email us to discuss your scenario and let us show you the “Metroplex” difference!

800-806-9836 Ext. 280
SeanS@MPLX.org

I want everyone to have a safe and happy 4th of July and I look forward to seeing you right here for the next tip of the week!

Click here to download the report on the top 10 USDA loan questions to ask before choosing a lender:

Tampa FL USDA Approved Lender List

 

 

Welcome back everyone, Sean Stephens here with Metroplex Mortgage Services and another USDA Loan Pro video quick tip.

We commonly receive questions on this topic and in today’s video I will explain the facts and share the details that you need to know to keep your financing headed in the right direction.

Also, if you have not yet done so, feel free to download our newest “USDA Blueprint” with the link below. This free guide is designed to help walk you through the USDA process step-by-step and is a great educational resource for both homebuyers and their agents.

What is the closing time on a USDA Loan?

As a USDA Approved Lender, we have the ability to work directly with Realtors, homebuyers, and the USDA field offices when submitting the file for their approval.

Many banks, lenders, or credit unions are not USDA approved, therefore they must submit to a 3rd party USDA approved lender to handle the underwriting process which immediately brings to mind the old saying “too many cooks in the kitchen!  

Being a USDA approved lender provides us the ability to manage the entire loan process from right within my office which includes:

  • Pre-QualificationTampa FL USDA Approved Lender
  • Loan Application
  • On-Site Underwriting and Loan Approval
  • Submitting the file to USDA
  • Ordering closing documents, and
  • Loan Funding

This type of control combined with giving you the same point of contact through the process allows us to save time where possible and keep all parties on the same page.

Now, on the other hand, if you are not working with a USDA approved lender, they will have to submit to another lender who has USDA approval to underwrite, approve, and submit the files to USDA.

As you can see, this just creates another party involved in the application, another set of requirements, and potentially another source of delay during the process.

So, are you working with an actual USDA Approved Lender? Here is a link to find out:

USDA Approved Lender List

In Summary, while many may offer the USDA program, it is important to find out who has the required experience to help navigate the USDA loan approval process successfully.

Sebring FL USDA Approved Lender

 

It may sound funny, but we truly eat, breathe, and sleep USDA Loans each and every day because this is a program that is there to benefit our rural communities.

800-806-9836 Ext. 280

SeanS@MPLX.org

Just call or email if you have any USDA qualifying questions, want to discuss a new scenario, or would just like to take advantage of our free 2nd opinion service which is great for those existing transactions

I want everyone to make it a great day, and look forward to seeing you right here for the next tip of the week!

CLICK THE IMAGE BELOW TO DOWNLOAD YOUR USDA BLUEPRINT FOR SUCCESS

Tampa FL USDA Approved Lender

Do USDA loans have a maximum sales price?

Being able to make the most of a homebuyer’s qualifying ability is critical in today’s market, and in this short video I will explain the facts that you need to know in order to keep your financing headed in the right direction.

Also, if you have not yet done so, feel free to download our newest “USDA Blueprint” with the link below.  This free guide is designed to help walk you through the USDA process step-by-step and is a great educational resource for both homebuyers and their agents.

Today’s video is great for any Realtor or homebuyer looking to expand their home search and open up a wider range of properties to consider.

USDA Loans have NO Loan Limits!

Yes, that is correct! Unlike FHA and Conventional loans which have published loan size limits, there is no maximum loan amount under the USDA Single Family Housing Guaranteed Loan Program.

Many in the Real Estate community automatically assume that USDA loans are only available for smaller loan sizes, but that is simply not true.

Due to the fact that USDA loans do not have loan limits, it can be a great alternative to both Conventional and FHA programs, which both can have potentially larger monthly payments due to higher mortgage insurance costs.

Tampa FL USDA Approved Lender ListWhile USDA loans do not have loan size restrictions, they do have healthy income limits based on family household sizes, which were recently increased for the majority of counties. USDA qualifying will be based on the buyer’s ability to repay the loan.

USDA loans can help open up additional property types such as homes located in subdivisions, gated communities, and townhomes, provided they are in a USDA eligible area.

In summary, the USDA loans program offers high flexibility due to the following:

  • 100% financing
  • Ability to finance closing costs
  • More flexible credit guidelines than conventional loans
  • And as discussed today – NO Loan Limits!

While many lenders may offer the USDA program, it is important to find out who has the
necessary experience to navigate the USDA loan approval process successfully.

USDA loans are in the blood of my entire team. As an approved USDA lender Metroplex Mortgage Services is proud to serve our rural communities.Tampa FL USDA Approved Lender List

800-806-9836 Ext. 280
SeanS@MPLX.org

Just call or email if you have any USDA qualifying questions, want to discuss a new scenario, or would just like to take advantage of our free 2nd opinion service which is great for those existing transactions

I want everyone to make it a great day, and look forward to seeing you right here for the next tip of the week!

How long does it take to qualify for a mortgage after a Short Sale?

With USDA, FHA, VA, or Conventional loans their Short Sale waiting periods vary, and while some are longer than others, in today’s video I will explain the differences between each program side by side.

Remember, if you need help or a have question that is what we are here for, so just call or email to discuss your scenario because we are known for returning calls, replying to emails, and responding to your messages. Now, wouldn’t it be nice if everyone did that!

How soon can you qualify for a mortgage after a Short Sale

In many cases a Short Sale does not occur due to financial mismanagement, but instead due to third party events and circumstances that were outside of the homeowner’s control.

With that being said, once a short sale has been completed, waiting periods will apply with how quickly you can be able to re-qualify for a mortgage.

As a general overview and starting point, here are the standard short sale qualifying guidelines for Conventional, VA, FHA, & USDA:

Qualifying for a conventional loan after a short sale, Fannie Mae and Freddie Mac have different guidelines.

  • Fannie Mae requires 4 years from short sale completion date
  • On the other hand, Freddie Mac has no waiting period after a completed short sale, but does require an Accept response through Loan Prospector which is their automated underwriting system.

When attempting to qualify for a VA loan after a short sale, VA guidelines will treat a short sale as similar to a foreclosure and require a two year waiting period along with re-established credit.

FHA guidelines for qualifying after a short sale require a three year waiting period which begins on the date of the transfer of title by short sale.

While there is a limited opportunity under USDA guidelines to qualify for a short sale under their three year waiting period, USDA generally requires three years from the date of the short sale.

When discussing the potential of qualifying for a mortgage after a short sale, beware of lenders stating they can get an exception for less than the standard waiting periods discussed above.  While it can be possible, the guidelines are specific and leave little room for these type of exceptions.

How soon can you qualify for a mortgage after a Short Sale

If you have recently been denied for a mortgage because of previous short sale, please take advantage of our free Second Opinion Service (SOS) which is great for both new pre-qualifications and existing transactions.

 

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