Does anyone have a "Home Ownership Accelerator Program" mortgage?
596244
You can accelearate it yourself by making an extra payment every year.
456781
Please don't go the "cheesy" route; IE: DITECH\n\n   Your business depends on a client base that is in need of housing certainly, but more important than that perhaps is,,, how active is the "Market" in your area?\n\n   Have you linked up/networked with any well established, possibly return customer, Realtors?\n\n   I enjoy investing in Real Estate, and/or at least constantly shopping it and any options for buying. I don't know the lattitudes you are able to offer as a Mortgage Broker however. Do you own the business? Is it already a well established business? Is it in a decent location?\n\n   Again, I don't know your allowable range of options within the framework of the business, but you might look into offering as many options to buyers as exist,,, IE: SHIP, etc. It may also serve you to offer a customer a referral to another type of lender once in awhile, depending on your ability to loan to them, or their abilities to get a loan.\n\n   Certainly you can do balloons and flyers, radio spots, TV, change the "CURB APPEAL" of your office, change the signing, advertise more extensively in the Yellow pages, hire some clown in a themed suit to stand outside,,,NOT,,,LOL.\n\n   Networking with other brokers and especially with Realtors, who in turn might recommend you to prospectives, might be the better way to go.\n\n   There is no fear that I can see, that the market is going to fall apart anytime soon,,,even with over escalation of prices,,,and no matter that, there isn't anymore land,,, per say.\n\nRev. Steven
1150504
there are HELOC programs... depends on how much equity you have.....
13801
Hi.My real name is Waj.May I know ur location? Actually I work in a Mortgage Company. We provide Home Loans with no down payments and with low interest rates.I am ready to help u out and I live in Houston. If you are in U.S I will surely help u in getting house without down payment. Plz feel free to contact me by email at mailshamsboy@yahoo.com. \n\nThanks.
927664
Talk to your bank, and talk to a loan broker.  I have used both with good results.  Your real estate agent should be able to suggest a good loan broker; that's how I found mine.  He put together a reasonable package (it wasn't cheap), and two years later we refinanced into a much more reasonable mortgage.
537125
YES YES IF YOU HAVE AT LEAST A 580 CREDIT SCORE (SHOWING W2) I DO NOT HAVE PMI OR MI WITH 100% WE ALSO OFFER 6% CLOSING COST TO BE ROLL INTO THE MORTGAGE FOR A TOTAL OF 106  I AM A SR LOAN MANGER AT A MORTGAGE BANK . ANY QUESTIONS PLEASE EMAIL AT JOHNG@OLDMERCHANTS.COM
434836
No, they are not scams in any way.  I have instituted hundreds of these for my first time home buyers and you don't have to pay them back.  \n\nIf you would like more detailed information on them, please contact me at timothy.kazee@americanhm .com and we can talk.  These are great options for someone in your shoes.\n\nTalk to you soon!!!!
8426
I just went through this process 6 months ago, and really loved my realtor, real estate attorney, and mortgage analyst.  If you're interested in any of their names and contact info, you can email me from the Yahoo Answers site by clicking on my name and then 'contact'.  \n\nGood luck!
1013143
Ask your real estate agent about a the Nehemiah program.  Have a look here for more information:  http://www.nehemiahcorp.org/\n\nI just sold a home to a family with weak credit and no down payment under this program.  I also have two friends who bought homes using the program.  Both were of very modest means and had weak credit.  Any agent worth their salt knows all about the program.  If yours doesn't, find one who does or point them at the URL above.\n\nGood luck!
189992
Check on-line. Another little thing I know of is called the OREO techquie. IT stands for Other Real Estate Offerings. It may be take a lot of time and many phone calls. Heres how you do it. Get a phone number from an out of state bank and ask them if they any real estate holdings in your area. Chances are if they do they won't know your market that well and sell you somehting way under market value. It worked for a friend of mine (in Florida). She made 20 calls and finally find a bank in Minnesota with a Florida holding.She got it for $30,000 under Market Value
718068
I've done it before.  I just had my lender send a letter saying I didn't qualify for financing.  I even got my earnest money refunded.
784508
Are the lates on the mortgage?  If so, the 60-day is what is killing the 85%.  Unfortunately, I don't know of any lenders that would be willing to do that LTV either.  Have you tried hard money lenders?
495798
contact www.naca.com\n\nThey are a non-profit housing advocacy group and they either finance their own mortgages or work with big lenders such as Bank of America.  They will work with you to improve your credit also.
1127464
I may be able to assist you, I am a mortgage broker who works with over 100 lenders nationwide and offer several programs that will fit almost any situation.I specialize in Re-Fi's, Purchases,  Home Equity Lines and Home Owners Insurance. Please feel free to contact me Jcorreahq@yahoo.com I will go through everything with you and answer any questions you may have about the process. This is at no obligation to you and if nothing else will educate you on how everything works and what you qualify for exactly! I look forward to hearing from you! ~Joseph Correa Licensed Mortgage Broker
336291
Going through old files.  Interest rates were much higher a few years ago and a lot of the people with 10% interest rates may be interested in refinancing considering they wouldn't have to add that many more years to their mortgage.  Assuming you're in the mortgage business, that is.\nAnd I know that it's difficult, but cold calling works as well.  Sending out inexpensive flyers works, too.
1060024
You need a private lender.  Explain your situation to them and hopefully one will be willing to take on the risk.  It will help a lot if you have a steady long term job.   Private Lenders charge more interest than banks and some of them do show up on credit search - make sure yours doesn't.  In Canada they advertise in major newspapers under the category, "Money to Lend."  We got our house this way and it worked great.  Good luck with the dream home!
299891
You do not need any program. They are all crooks.  I did not use any program.  I own four houses in the Bayarea.  Made $500k in appreciation last year.  Here is what you do.  Look for a fixer upper.  Look at comps (try zilow.com) to see what the market is. Estimate how much it will cost to bring the property up to market.  Offer low enough to get back the repair cost plus 20% to 30% more.  Use option ARM to keep cash flow manageable. As property value goes up pull cash and buy another.  With just 3% to 5% appreciation, you can leverage and get 30% to 35% return (up to 40% with tax savings) .  Not a get rich quick scheeme but you will do very well.