Whether you’re in a mansion or a cabin, follow this basic rule of thumb: always try to get outside! Enjoy the sun. Enjoy the air. After all, your body needs that oxygen! What happens when you don’t get those basic necessities: cabin fever.
Real estate’s like gambling when you think about it. You’re basically betting on a property hitting it big. You don’t know if it’s going to hit big. You have certain factors on your side, though: property values, assessments, location, trends, that sort of thing. But you can never be sure of what’s going to happen. Even if you’re just a potential home buyer looking for your zero-down home through H.O.P.E. to Own, you’re never sure if that home’s going to turn into a good investment on your end in the future just in case you plan on mortgage refinancing or moving out.
More so is the fact that you never know what’s going to happen to property developments around
your particular real estate in question! That’s what this is all about.
Future Property Developments: Will They Help You or Hurt You?
It’s a Gamble. But What Do You Expect?
They call this state the “Crossroads of America,” and for good reason. Indiana’s a hometown, a go-to, a throwback, a place where time seems to stand still. Urban legends exist there; folk tales reside within the cities of this state, but here’s the big question — is it necessarily a great place to retire in? Try South Bend for starters.
Why South Bend, Indiana, Ranks Up There for Retirement
South Bend Brings It for Retirees
You might’ve already ready about the most recent news at H.O.P.E. to Own, but just in case you missed it, here it is. You can catch the press release as well as multiple other sources such as the Complete Real Estate Site, Nationwide Property Values, Assisting Renters and many, many, many more. But let’s just say this one important sub-header for all of you readers out there:
The HOPE Program Is Loving Credit Repair With Independent Credit Solutions
So You Know What You Need to Do? ENROLL WITH INDEPENDENT CREDIT SOLUTIONS. Right now.
Baby Boomers Galore!
Sounds Convincing, Right?
We definitely should, though. No doubt. Because when it comes to rent-to-own, credit repair’s essential, and it turns out that the BBB A-rated HOPE Program sees the writing on the wall — despite already doing well for customers in credit repair thanks to Lexington Law — and recently reported of their own review of yet another credit repair service out there recently launched.
The Name of the New Credit Repair Division Is INDEPENDENT CREDIT SOLUTIONS
And the department over there is now in full swing to start assisting customers nationwide as this press release states. Sure, it’s all well and good, and we love a good credit score. Without a doubt, homeowners love those shining credit reports, too. But more importantly, the best part of Independent Credit Solutions is the fact that they’re focusing on the one element essential to the success of anyone prospecting for rent-to-own options. It’s all about credit repair.
You’ll need a 640 score, basically. No ifs, ands or buts. Anything lower, and you might be treading through mud during your trek across the swamp of the real estate market, and that’s no fun for those socks and boots you’re wearing. It’s a dangerous jungle out there; you’ll hear that from even your favorite rent-to-own consultant, but what can make it better for you is a pristine credit score brought about by one of the best credit repair service you could ever have recommended by the H.O.P.E. Program.
Take Advantage of It Right Now. Immediately. Your Credit Score Demands It.
We can’t legitimately review such a site as this, though, as this has literally nothing to do with rent-to-own. But what we can do is discuss it. Right here. Right now. Credit repair’s important. You can have all the services in the world, but if you don’t take that first step and follow through with repairing your credit right now by enrolling here, you might be up a creek and lost in the wilderness.
And that’s no place to be right now in today’s real estate industry.
They’re called mortgage trends, friends. Do the research here. Of course, we’re noticing that there’s one major trend going on in the real estate market, and that’s the higher down payment, but perhaps you might want to stick with something lower. That’s okay. Want to know why?
You Have a Budget, and While Down Payments All Over Are Increasing, Some States Are Still Lower Than Others
These States Reported the Lowest Down Payment Averages in the U.S.
- Indiana — The Crossroads of America has the highest of the low averages…. Want to know how low?
- Utah — Utah isn’t high up there either. Check it out right here.
- Kentucky — Now we’re getting a bit higher on that average, but would you like to know just what you’re dealing with in the Derby state?
- Iowa — We’re sitting level with this state’s down payment average, so if Kentucky’s not your state, you can check this one out here.
- West Virginia — Little by little, that down payment average-to-house-price ratio’s getting more interested. Just take a look at this state!
- Alabama — Forrest Gump would’ve loved this ratio and average on home prices and down payments. Check out these numbers….
- Mississippi — And here we have the lowest of the lows…. But just remember: that may be a good thing!
What About the States With the Highest Down Payment Average?
- Vermont — We’ll jump almost 5% from Mississippi’s average down payment with Vermont. Want to know just how much you’ll spend on a down payment for a house here?
- Massachusetts — The average home prices play a role here with the average down payment here. Just keep that in mind!
- Washington D.C. — We’re getting pricier and pricier with this down payment percentage.
- Hawaii — You’ll hula over this percentage on down payments for home purchases.
- New Jersey — And we’re still climbing up the ladder with down payment percentages here. This could be what you’ll spend for a payment….
- California — Did you know that the state here has been leading on home prices (and most likely will continue to lead)? That should tell you a lot about what kind of down payment you might be making for a house over there.
- New York — Still, none of these states can beat this top leader. Here’s the skinny on the down payment average for a home in the Big Apple.
The Question Is This: Where Do You Want to Live?
One thing’s for sure: we have to keep up with the signs of the times, and here’s what those signs say: ACT NOW, ACT NOW, ACT NOW. You have to get the information you need now, what with the rising home prices in America, plus the new mortgage rules in effect, and the fact that the trends are showing that prospective home buyers are offering more down payments. United States real estate never looked better (right, China?).
So What Do You Do? You Register to Buy a Home. Immediately.
With this one site. Check it out right here. This can literally solve all of your issues in one fell swoop, and as you’re focused on a rent-to-own — and perhaps you’ve already secured one via the Ultimate Rent-to-Own Home Program — you’ll be looking to get everything squared away with credit repair, a lender, and the right mortgage loan well before you exercise your lease option to buy.
This is the site to get that all done. And there’s even a phone number to call, giving you that option to speak with a specialist immediately and get started today.
It’s Hard Work Getting That Home Loan, Plus Maximizing Your Chances of the Seller Accepting Your Offer
Yes, even some legal assistance would be necessary. But this, yet again, is yet another benefit you may have with the offer RegistertoBuyaHome.com — you don’t have to do anything! Well, except register….
Register with your credit score (if you know it — if not, not a problem), and you’re all set. That’s it. And it’s no secret that we at Rent-to-Own Reviews award the offer a healthy five stars without a problem. Simple registration. Easy consultation. You know exactly what you need to get that home without having to waste so much time with other professionals and needless research.
Are you done reading? Good. We’re taking a cue from how easy it is to register to buy a home with this site, so you do the same. Enroll now. And those house keys will soon fall right into your hands.
Boy, competition’s getting fierce up in this real estate market, don’t you think? Home prices are rising. Down payment averages are rising. And the Chinese are still looking to Texas (among other places in the U.S. Let’s face it: America’s looking great. But as Americans, we still want the better bang for our buck! And if there’s one thing that still will cost a pretty penny, it’s a house!
You’ve Got Mortgage Insurance, for Example
It’s a necessity in the industry to protect the lenders. In fact, that’s what allows lenders to offer such low down payment requirements. But here’s the deal – you, the borrower, still need to pay for it. And many, many borrowers might not even realize that mortgage insurance will come out of your pocket. Plain and simple.
Thankfully, certain home mortgage programs offer competitive prices for mortgage insurance, and FHA is one of them – 1.75% of the loan amount is what you can expect to pay for insurance on a mortgage loan. Not too bad. That’s somewhat better than the VA home loan – another favorable program for low-income situations – with a mortgage insurance percentage of about 2.4%. But did you know there’s one home mortgage program out there that beats even the FHA?
You Guessed It: the USDA Home Mortgage
That’s grade A premium beef in the real estate industry, with a percentage of just 2% of the initial loan amount – and to make it even more interesting, the annual mortgage insurance charge is just .5% of the remaining balance over the course of 12 following payments. A much better deal than the .85% annual charge the FHA imposes.
Want to learn more about the USDA home mortgage? Check it out right here. Nothing against FHA, but maybe you want something a bit better. Just make sure you qualify for it! Because when we talk about grade A premium beef cuts, we don’t mean small shanks.
One check of these reviews and the ever-growing social fan base on pages like Facebook and Google+, and you begin to wonder: maybe this H.O.P.E. Program knows what they’re talking about! However, we can understand the skepticism: the real estate market’s cutthroat, what with the growing mortgage trends and the insane home prices skyrocketing like Elon Musk and the SpaceX Program. Perhaps we can get this real estate rocket to land on the barge like they’re planning to do, but make no mistake — H.O.P.E. to Own’s not far from that. Here’s why:
The Fact Is the HOPE Program Doesn’t Have to Claim Anything: the Mortgage Industry Has the Answer:
It’s called the USDA home mortgage. A plan many don’t know about, but many should. To get a home zero down may just be as easy as applying for a USDA home mortgage precisely because this is one of two particular plans where you don’t have to make a down payment — and with down payment averages rising in areas around the nation, that’s great news.
The only other plan out there that allows borrowers to get a home zero down is the VA. Not even the FHA program allows it — typically a 3.5% down payment is customary, and that’s pretty low compared to some of the averages we see. You can imagine that as you discuss your plans with your rent-to-own consultant about the time coming for you to buy the property you’re living in, if you want to save on that down payment, chances are you might want to go with a USDA.
To Get a Home Zero Down, the Main Point Is This:
The USDA home mortgage program will actually lend a loan that could very well be up to the property’s actual appraised value! That’s saying a lot. Forget the down payment. You’re basically golden with the USDA home mortgage. Sign up right now to find out what your options are, and then get in contact with H.O.P.E. today. You never know — the USDA might be right for you. Learn more about the USDA right here.
The post The HOPE Program Says You Can Get a Home Zero Down appeared first on Your Rent-to-Own Consultants.