Mortgage101

How to buy a house with no money for the down payment. USDA Rural Development offers a qualified borrower to buy a house in the approved lending area at 100% financing. Who does the USDA home loan purchase program in Nevada? here is the link to view with video https://youtu.be/rBYnxcWGhdk Learn more about the USDA purchase program in Nevada by watching the full video. There are approved lending areas in Nevada where the USDA home loan Rural Development program will lend on an existing property with no money for the down payment. here is the link to verify the property is in the approved lending area - https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do?pageAction=sfp check today's USDA home loan rate here - www.FastandEasyQuote.com   I Welcome the Opportunity to Assist you with an FHA, VA, USDA, Conventional or a Jumbo Purchase or Refinance Home Loan. I look forward in hearing from you, Nathan Rufty Mortgage Loan Originator Call or Text: 909-503-5600 eFax: 888-837-2861 NMLS #292056 - AZ - CA - NV - UT Nathan@NathanRufty.com www.NathanRufty.com www.FastandEasyQuote.com

How to buy a house in California, Arizona, Utah or Nevada without a down payment on the USDA home loan program. The USDA-RD purchase program offers a no down payment loan program to qualified buyers that meet the debt to income ratio, income and credit requirements.   This is not limited to first time homebuyers but a perfect loan program for the first time home buyer looking for homeownership in the approved USDA lending areas.   here is the video link to locate the approved lending areas: https://www.youtube.com/watch?v=vdCBGpPV198   Please call, text or email me with any questions,  Nathan Rufty Mortgage Loan Originator  Call or Text: 909-503-5600 eFax: 888-837-2861 AZ, CA & UT NMLS #292056 NRufty@CanopyMortgage.com www.NathanRufty.com Check Out Our Rates Privacy: This email may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses

California, Arizona and Utah on how Can I Buy a House Without Putting any Money for the Down Payment. The USDA home loan program offers a 100% financing of the purchase price, no money required for the down payment.   To find the available lending areas watch this video here: https://youtu.be/vdCBGpPV198 Check today's USDA home loan mortgage rates on this site: www.FastandEayQuote.com   Please call, text or email me with any questions,  Nathan Rufty Mortgage Loan Originator  Call or Text: 909-503-5600 eFax: 888-837-2861 AZ, CA & UT NMLS #292056 NRufty@CanopyMortgage.com www.NathanRufty.com Check Out Our Rates Privacy: This email may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses

California, Utah or Arizona required for a down payment to buy a house with FHA, VA, USDA or Conventional (Fannie Mae or Freddie Mac)? Looking to buy a house and need to know what the down payment requirements are, this podcast will let you know the minimum required percentage amount. Here are other great videos to watch as well, Learn more about the USDA loan program with this video link https://youtu.be/rFXkaMBc858 All four programs are explained here: https://youtu.be/X6HV48fK4IU VA home loan program video: https://youtu.be/030Vzk9GGrU Check today's mortgage interest here: www.FastandEasyQuote.com  Please call, text or email me with any questions,  Nathan Rufty Mortgage Loan Originator  Call or Text: 909-503-5600 eFax: 888-837-2861 AZ, CA & UT NMLS #292056 NRufty@CanopyMortgage.com www.NathanRufty.com Check Out Our Rates Privacy: This email may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses  

Arizona, California, Utah no money down payment purchase home loan program known as the USDA RD Program. You, if qualified and eligible to buy a house on the USDA purchase loan with no required down payment.   Listen to the whole podcast to learn more about the USDA program in California, Arizona and Utah, also below are some great links to find the eligible lending areas.   USDA video explained link here: https://youtu.be/vdCBGpPV198 Steps on buying a house: Step 1 of 3 = https://youtu.be/0duPzia1Ez4 Other loan programs if not the USDA: https://youtu.be/X6HV48fK4IU Check USDA home loan interest rate here: www.FastandEasyQuote.com   Please call, text or email me with any questions,  Nathan Rufty Mortgage Loan Originator  Call or Text: 909-503-5600 eFax: 888-837-2861 AZ, CA & UT NMLS #292056 NRufty@CanopyMortgage.com www.NathanRufty.com   Privacy: This email may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses  

Buying a House In California, Arizona or Utah, know which home loan program is right for you when buying. This podcast will review the income, debt ratio and down payment on the FHA, USDA, VA and Conventional (Fannie Mae or Freddie Mac). Want to buy a house and do not know which program is best for your financial situation, listen to the entire podcast, call me and we can discuss program further.    Please call, text or email me with any questions,  Nathan Rufty Mortgage Loan Originator  Call or Text: 909-503-5600 eFax: 888-837-2861 AZ, CA & UT NMLS #292056 NRufty@CanopyMortgage.com www.NathanRufty.com Check Out Our Rates Privacy: This email may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses

How much money do I need to buy a house, this podcast and the video link below will go through the steps on where the verifiable funds can come from to purchase or refinance a house. Any assets to be used to qualify for a home loan must be verified monthly statements (all pages) with two months or quarterly statement from checking, savings, stocks, bonds, IRAs, 401K, Retirement plan, Gift funds, Money Market, Mutual Funds and many other.   Call me and let's discuss your asset paper trail  here are the two other podcast links below in the series Podcast #1 Credit: https://www.podbean.com/ew/pb-8rm7h-1303552 Podcast #2 Income: https://www.podbean.com/ew/pb-6ydna-1303555 Video on what the cost to buy a house https://www.youtube.com/watch?v=kJcwb86hKC0   Nathan Rufty Mortgage Loan Originator  Call or Text: 909-503-5600 eFax: 888-837-2861 AZ, CA & UT NMLS #292056 NRufty@CanopyMortgage.com www.NathanRufty.com Check Out Our Rates Privacy: This email may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses    

What income do I need to qualify for a home loan with VA, FHA, USDA and Conventional (Fannie Mae or Freddie Mac). Any income to be used to purchase or refinance a home needs to be able to be verified with proper documentation such as: Paystubs, W2s, completed and filed Federal Returns Tax, Award statements, Pension statement, Alimony and Child Support income. There are many others types of income you may receive that will need to be verifiable.    Can not be stated income, all income must be verifiable that will be used to qualify for the home loan.  Call me and let's discuss your income situation  Here are the other two podcast below in the series  Podcast #1 Credit: https://www.podbean.com/ew/pb-8rm7h-1303552 Podcast #3 Assest: https://www.podbean.com/ew/pb-8fwxt-1303558   Please call, text or email me with any questions,  Nathan Rufty Mortgage Loan Originator  Call or Text: 909-503-5600 eFax: 888-837-2861 AZ, CA & UT NMLS #292056 NRufty@CanopyMortgage.com www.NathanRufty.com Check Out Our Rates Privacy: This email may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses

There are two parts to determine your credit rating, the mortgage credit score and what is in the body of the report such as bankruptcy, collections, judgements, foreclosure, how may open trade lines, payment history. You may have lendable credit scores but what is the body of the credit report may hinder your ability to obtain a home loan. Credit is everything in the lending industry, need to review your mortgage related credit report and see what needs to be addressed if anything at all to improve your all over credit profile. Call me and let's discuss your credit profile. Here are the other two podcast below in the series  Podcast #2 Income: https://www.podbean.com/ew/pb-6ydna-1303555 Podcast #3 Assets: https://www.podbean.com/ew/pb-8fwxt-1303558 Nathan Rufty  Mortgage Loan Originator  Call or Text: 909-503-5600 eFax: 888-837-2861 AZ, CA & UT NMLS #292056 NRufty@CanopyMortgage.com www.NathanRufty.com Check Out Our Rates Privacy: This email may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses  

Should I Buy a House in Utah in 2022? It does not hurt to explore your options to buy a house, you will be informed on your purchasing power or if not in the position to buy then you will at least know what yo do in terms of income, credit and assets to be in the position to buy in Utah at a later date. Check out the USDA home loan program with the video here. https://www.youtube.com/watch?v=SN9qzN71j6U The Usda loan program in Utah is a great no money down payment purchase home loan.   Please call, text or email me with any questions,  Nathan Rufty Mortgage Loan Originator  Call or Text: 909-503-5600 eFax: 888-837-2861 AZ, CA & UT NMLS #292056 NRufty@CanopyMortgage.com www.NathanRufty.com check rate HERE Privacy: This email may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses  

Should I buy a house in Arizona in 2022? It is always a good time to buy a house in Arizona, if you have the credit, income and assets to buy, let's explore your options to see what you can pre-qualify for, at least if can not purchase now, then you will know what you need to do in order to buy in the future. Values go up and down, real estate is one of the best long term investment to own. Rates go and down as well, if the interest rates are now you can look at refinancing at a later date. Call and let's explore your options, does not hurt to have a conversation about buying.   Please call, text or email me with any questions,  Nathan Rufty Mortgage Loan Originator  Call or Text: 909-503-5600 eFax: 888-837-2861 AZ, CA & UT NMLS #292056 NRufty@CanopyMortgage.com www.NathanRufty.com www.FastandEasyQuote.com   Privacy: This email may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses  

the question is - Should I buy a house in California right now, it does not hurt to explore your options to see if you can buy now and if not you will know what you will have to do it terms of credit, income and assets.   Call me and let's have a conversation about your options.    Nathan Rufty Mortgage Loan Originator  Call or Text: 909-503-5600 eFax: 888-837-2861 AZ, CA & UT NMLS #292056 NRufty@CanopyMortgage.com www.NathanRufty.com Check Out Our Rates Privacy: This email may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses  

How to buy a house in the mountain community in the San Bernardino County in Southern California. Want the ability to buy a house with no money for the down payment? Explore the USDA home loan purchase program. Link to check approved USDA lending areas: https://eligibility.sc.egov.usda.gov/... Check out the USDA mortgage Interest Rates at the link below www.FastandEasyQuote.com Click on the Image Below to watch a video about the USDA home loan program that is available in Angelus Oaks, Big Bear City, Big Bear Lake, Blue Jay, Cedar Glen, Cedarpines Park, Crestline, Fawnskin, Forest Falls, Green Valley Lake, Lake Arrowhead, Lyle Creek, Rim Forest, Running Springs, Sky Forest, Sugarloaf, Twin Peaks and Wrightwood. Limited on funds to buy a house, then the USDA home loan program may be the program for you. The property must be in an approved lending areas, watch the video to learn more about those approved lending areas.  The benefits to the USDA purchase program is there is no money required for the down payment, can finance the closing cost if the appraised value comes in higher than the agreed upon purchase price.  USDA program offers great rates to buy a house with limited funds to buy a house, if you are looking to buy an owner occupied property in California within San Bernardino County, what the enclosed video to learn about a great purchase program where you can own a home with very little money.  Connect with me at 909-503-5600 to learn more about the USDA home loan program and see if this program is for you and if you qualify for the program. I look forward in hearing from you.   Please call, text or email me with any questions,  Nathan Rufty Mortgage Loan Originator  Call or Text: 909-503-5600 eFax: 888-837-2861 AZ, CA & UT NMLS #292056 NRufty@CanopyMortgage.com www.NathanRufty.com Check Out Our Rates  

Looking to buy a new construction home in Fontana, CA or Surprise AZ, and asking yourself what are the pros and cons going with the builder's preferred mortgage lender. I hope to clear this question up for you. At the moment it is not worth using the builder's preferred lender to help you with your home loan. After listing to this podcast, let's connect and discuss some of your financing options for your new home in Fontana, CA or Surprise, AZ   Please call, text or email me with any questions,  Nathan Rufty Mortgage Loan Originator  CA Call or Text: 909-503-5600 AZ Call or Text: 623-850-1210 eFax: 888-837-2861 CA & AZ NMLS #292056 NRufty@CanopyMortgage.com www.NathanRufty.com www.FastandEasyQuote.com   Privacy: This email may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses  

Looking to buy a house in 2021 in California or Arizona but the housing market is too high? Time to re-evaluate your current financial situation.  We have only one of two markets, a seller's market or a buyer's market and at the moment we are in a seller's market. Where we have more buyers than houses for sale in California or Arizona. Unless you need to really buy a house look at your current status in terms of credit, income, and funds to close escrow. Let's connect if you are looking to purchase in California or Arizona, I welcome the opportunity to assist you with a home purchase. Please call, text or email me with any questions, Nathan Rufty Mortgage Loan Originator CA Call or Text: 909-503-5600 AZ Call or Text: 623-850-1210 eFax: 888-837-2861 CA & AZ NMLS #292056 NRufty@CanopyMortgage.com www.NathanRufty.com www.FastandEasyQuote.com   Privacy: This email may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses

Looking to buy a house in California or Arizona and limited on money for the down payment. Here are three purchase loan programs that you can explore. In this Podcast, we will review the VA home loan, USDA Home loan, and Down Payment Assistance loan programs. I welcome the opportunity to discuss with you these three loan programs to be able to buy a house in Arizona or California.  Please call, text or email me with any questions,  Nathan Rufty Mortgage Loan Originator  CA Call or Text: 909-503-5600 AZ Call or Text: 623-850-1210 eFax: 888-837-2861 CA & AZ NMLS #292056 NRufty@CanopyMortgage.com www.NathanRufty.com Check Out Our Rates Privacy: This email may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses

Refinance home loan in California and Arizona. Want to explore your option of a home-refinance to shorten the term, lower the interest rate, or take cash out for any reason. It is time to speak with a full-time career mortgage professional about your financial situation. Each borrower's financial situation is different, not one product fits all, that is more the reason to connect with a licensed mortgage loan originator to explore all your options so her or she can present you (not sell) your loan options based on your income, credit, assets, and loan to value.  I welcome the opportunity to be that mortgage loan originator to discuss your refinance goals for property in California or Arizona. Nathan Rufty Mortgage Loan Originator  CA Call or Text: 909-503-5600 AZ Call or Text: 623-850-1210 eFax: 888-837-2861 CA & AZ NMLS #292056 NRufty@CanopyMortgage.com www.NathanRufty.com Check Out Our Rates

I am thinking of refinancing my house, but when is it a good time refinance? You may be asking yourself this question and looking for some guidance. Everyone's financial situation is different when it comes to refinancing your house. Are you looking short your term to pay the house off sooner, looking to reduce your rate and payment, need to pull money out to payoff debt or do some home improvement projects? Let's explore some of these by listening to this Podcast.  Please call, text or email me with any questions,  Nathan Rufty Mortgage Loan Originator  CA Call or Text: 909-503-5600 AZ Call or Text: 623-850-1210 eFax: 888-837-2861 CA & AZ NMLS #292056 NRufty@CanopyMortgage.com www.NathanRufty.com Check Out Our Rates Privacy: This email may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses

How to refinance your house without an appraisal on a rate and term or cash-out refinance.    Fannie Mae look up- https://www.knowyouroptions.com/loanlookup Freddie Mac loo up - https://ww3.freddiemac.com/loanlookup   Please call, text or email me with any questions,  Nathan Rufty Mortgage Loan Originator  CA Call or Text: 909-503-5600 AZ Call or Text: 623-850-1210 eFax: 888-837-2861 CA & AZ NMLS #292056 NRufty@CanopyMortgage.com www.NathanRufty.com

What is a HELOC - Home Equity of Line of Credit and do I want one? HELOC is a 2nd lien and also can be a first mortgage lien on your primary property. We need to weigh the pros and cons of a HELOC to see if the benefits outweigh redoing the first mortgage for the cash you are seeking to pay off debt or do some need home improvement projects.  Please call, text or email me with any questions,  Nathan Rufty Mortgage Loan Originator  CA Call or Text: 909-503-5600 AZ Call or Text: 623-850-1210 eFax: 888-837-2861 CA & AZ NMLS #292056 Nathan@NathanRufty.com www.NathanRufty.com Check Out Our Rates Privacy: This e-mail may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses

Active and retired military personal (if eligible) can buy a primary residence with no money for the down payment, which is 100% financing of the purchase price. If you are looking to buy a house in California or Arizona utilizing the VA home loan program, I welcome the opportunity to connect with you and discuss the VA purchase program with you.  Podcast about credit - https://www.podbean.com/eu/pb-89gby-d8fa2a Podcast about waiting periods - https://www.podbean.com/eu/pb-u2s64-d63be5 Please call, text or email me with any questions,  Nathan Rufty Mortgage Loan Originator  CA Call or Text: 909-503-5600 AZ Call or Text: 623-850-1210 eFax: 888-837-2861 CA & AZ NMLS #292056 Nathan@NathanRufty.com www.NathanRufty.com Check Out Our Rates Privacy: This e-mail may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses

How does a mortgage payment increase when on a fixed interest rate? There are 2 main reasons for the monthly mortgage to increase. The property taxes and/or the homeowner's insurance policy increased causing your escrow account to become short.  Review your property tax statement each year to see what your property value is assessed at.  Please call, text or email me with any questions,  Nathan Rufty Mortgage Loan Originator  CA Call or Text: 909-503-5600 AZ Call or Text: 623-850-1210 eFax: 888-837-2861 CA & AZ NMLS #292056 Nathan@NathanRufty.com www.NathanRufty.com Check Out Our Rates Privacy: This e-mail may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses

Buying or Refinancing a house you will need to qualify with income and debt, known as your debt to income ratio, what income comes in that can be verified versus what debt is going out. FHA, Conventional, VA, and USDA have different qualify debt ratios for the front in which is total monthly house expense and back end debt ratio which is monthly house expense along with monthly debt obligation such as but limited to credit card debt, student loans, auto loan, and other installment obligations Please call, text or email me with any questions, Nathan Rufty Mortgage Loan Originator CA Call or Text: 909-503-5600 AZ Call or Text: 623-850-1210 eFax: 888-837-2861 CA & AZ NMLS #292056 Nathan@NathanRufty.com www.NathanRufty.com Check Out Our Rates Privacy: This e-mail may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses

Mortgage Interest Rates are determined on 8 factors, Middle Credit Scores, Loan Program, Purpose of the loan, Loan to Value, Property Type, Loan Term, Interest Rate Type, and Location of the subject property.   Please call, text or email me with any questions,  Nathan Rufty Mortgage Loan Originator  CA Call or Text: 909-503-5600 AZ Call or Text: 623-850-1210 eFax: 888-837-2861 CA & AZ NMLS #292056 NRufty@CanopyMortgage.com www.NathanRufty.com Check Out Our Rates Privacy: This e-mail may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Lice

You will need money to buy a house with upfront funds, down payment and closing cost. In this podcast, we will touch on each of those areas.  Podcast on down payment https://www.podbean.com/eu/pb-3ims7-d79025   Please call, text or email me with any questions,  Nathan Rufty Mortgage Loan Originator  CA Call or Text: 909-503-5600 AZ Call or Text: 623-850-1210 eFax: 888-837-2861 CA & AZ NMLS #292056 Nathan@NathanRufty.com www.NathanRufty.com Check Out Our Rates Privacy: This e-mail may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses

Credit is everything when buying or refinancing a house, you can have the income and assets but your credit can hurt your chances of buying a house. You need to take control of your credit and increase the scores as much as you can to be able to get the best financing possible.  Credit Score Podcast https://www.podbean.com/eu/pb-dmrsg-d6deaa What you need to do to clean up your credit Podcast https://www.podbean.com/eu/pb-s6569-d13f94 Please call, text or email me with any questions,  Nathan Rufty Mortgage Loan Originator  CA Call or Text: 909-503-5600 AZ Call or Text: 623-850-1210 eFax: 888-837-2861 CA & AZ NMLS #292056 Nathan@NathanRufty.com www.NathanRufty.com Check Out Our Rates Privacy: This e-mail may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses

When to get pre-qualified to buy a house. You should do this step first so you know if you are in the position to buy a house or need to work on your credit, income, and assets. There is no point in looking at houses if do not know if you can purchase or not.  A podcast about credit: https://www.podbean.com/eu/pb-dmrsg-d6deaa A podcast about down payment https://www.podbean.com/eu/pb-3ims7-d79025 Connect with me at Nathan Rufty Mortgage Loan Originator  CA Call or Text: 909-503-5600 AZ Call or Text: 623-850-1210 eFax: 888-837-2861 CA & AZ NMLS #292056 Email Me: Nathan@NathanRufty.com www.NathanRufty.com Check Out Our Rates Privacy: This e-mail may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses

You do not need 20% down payment to buy a house in California or Arizona. You can buy a house with no money down to as little as 3% down payment of the purchase price. You must qualify with income, debt ratio and credit for each home loan program with USDA, FHA, VA, and Conventional. here is the podcast that goes over credit https://www.podbean.com/eu/pb-s6569-d13f94 Connect with me at Nathan Rufty Mortgage Loan Originator  CA Call or Text: 909-503-5600 AZ Call or Text: 623-850-1210 eFax: 888-837-2861 CA & AZ NMLS #292056 Email Me: Nathan@NathanRufty.com www.NathanRufty.com Check Out Our Rates Privacy: This e-mail may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses

Credit scores needed to buy a house in California or Arizona on the FHA, VA, Conventional, USDA or Down Payment Assistance Home loan program?  Podcast about credit https://www.podbean.com/eu/pb-s6569-d13f94 Nathan Rufty Mortgage Loan Originator  CA Call or Text: 909-503-5600 AZ Call or Text: 623-850-1210 eFax: 888-837-2861 CA & AZ NMLS #292056 Nathan@NathanRufty.com  www.NathanRufty.com   Privacy: This e-mail may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses

When can I buy a house in Arizona or California after I had a foreclosure on the FHA, USDA, VA or Conventional home loan program?  Here is the Podcast on the waiting time frame after a bankruptcy https://www.podbean.com/eu/pb-k56r9-d49a2e A podcast about credit https://www.podbean.com/eu/pb-s6569-d13f94 Please call, text or email me with any questions,  Nathan Rufty Mortgage Loan Originator  CA Call or Text: 909-503-5600 AZ Call or Text: 623-850-1210 eFax: 888-837-2861 CA & AZ NMLS #292056 Nathan@NathanRufty.com  www.NathanRufty.com Check Out Our Rates Privacy: This e-mail may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses

Wondering when you should lock your mortgage interest on a refinance or purchase home loan? Lock your rate when that rate meets your savings or budgeted mortgage payment. By waiting to see if the rate goes lower can cost you a thousand over the life of the loan.  I welcome the opportunity to connect with you and discuss your financing needs and explore some refinance or purchase options.  Nathan Rufty Mortgage Loan Originator CA Call or Text: 909-503-5600 eFax: 888-837-2861 CA & AZ NMLS #292056 Nathan@NathanRufty.com www.NathanRufty.com

How long do you need to wait to buy a house in Arizona after a bankruptcy 7 or Bankruptcy 13?  FHA - Bankruptcy 7 current wait time 1* to 2 years from discharge date and Bankruptcy 13 current wait time 1* to 2 years from discharge date Conventional - Bankruptcy 7 current wait time 2* to 4 years from discharge date and Bankruptcy 13 current wait time 2* to 4 years from discharge date VA -  Bankruptcy 7 current wait time 2 years from discharge date and Bankruptcy 13 current wait time 1* to 2 years from discharge date USDA - Bankruptcy 7 current wait time 3 years from discharge date and Bankruptcy 13 current wait time 1 year from discharge date * shorter wait time will need to meet the current extenuating circumstance guidelines Nathan Rufty Mortgage Loan Originator CA Call or Text: 909-503-5600 eFax: 888-837-2861 CA & AZ NMLS #292056 Nathan@NathanRufty.com www.NathanRufty.com

How Long Do I Need to Wait after a Bankruptcy Chapter 7 or Chapter 13 to buy a house in California?  Nathan Rufty Mortgage Loan Originator CA Call or Text: 909-503-5600 eFax: 888-837-2861 CA & AZ NMLS #292056 Nathan@NathanRufty.com www.NathanRufty.com

Arizona no money down purchase home loan program with VA and USDA financing. These are the two best purchase home loan programs in Arizona, call me and let's discuss these options. Podcast about the USDA home loan program https://www.podbean.com/eu/pb-cxgrc-d2db2d Video on where to find the approved USDA lending areas https://www.youtube.com/watch?v=NOtV-Bte3-Q Video about the VA home loan program https://www.youtube.com/watch?v=030Vzk9GGrU     Please call, text or email me with any questions,  Nathan Rufty Mortgage Loan Originator  AZ Call or Text: 623-850-1210 eFax: 888-837-2861 CA & AZ NMLS #292056 Nathan@NathanRufty.com www.NathanRufty.com

California no money down purchase home loan program with VA and USDA financing. These are the two best purchase home loan programs in California, call me and let's discuss these options.  Podcast about the USDA home loan program https://www.podbean.com/eu/pb-cxgrc-d2db2d Video on where to find the approved USDA lending areas https://www.youtube.com/watch?v=NOtV-Bte3-Q video about the VA home loan program https://www.youtube.com/watch?v=030Vzk9GGrU Nathan Rufty Mortgage Loan Originator  CA Call or Text: 909-503-5600 eFax: 888-837-2861 CA & AZ NMLS #292056 NRufty@CanopyMortgage.com www.NathanRufty.com  

What is the USDA purchase home loan program in California and Arizona and who does them? Here is a video to look up the approved lending areas https://www.youtube.com/watch?v=tbzzRB43vXg This is still a no money down purchase home loan programs in California and Arizona known as the USDA home loan program. Explore your options on buying a house in California or Arizona using the USDA home loan.  Please call, text or email me with any questions,  Nathan Rufty Mortgage Loan Originator  Call or Text at 909-503-5600 CA & AZ NMLS #292056 Nathan@NathanRufty.com www.NathanRufty.com Check Out Our Rates

How much money do I need to buy a house? What is the amount of money do I need to put down for the down payment when buying a house on the USDA, VA, FHA or Conventional purchase home loan program. Check out these videos about the USDA and VA home loan programs. https://www.youtube.com/watch?v=NOtV-Bte3-Q https://www.youtube.com/watch?v=030Vzk9GGrU Nathan Rufty Mortgage Loan Originator  CA Call or Text: 909-503-5600 AZ Call or Text: 623-850-1210 eFax: 888-837-2861 CA & AZ NMLS #292056 Email Me: Nathan@NathanRufty.com www.NathanRufty.com Check Out Our Rates Privacy: This e-mail may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses

Looking to buy or refinance a house but have bad credit? You may think your credit is not that bad, FHA will insure a borrower down to a middle credit of 500, you need to be concerned on what is in the body of the credit report that may hurt your ability to qualify for a traditional home loan. Connect with me at Nathan Rufty Mortgage Loan Originator  CA Call or Text: 909-503-5600 AZ Call or Text: 623-850-1210 eFax: 888-837-2861 CA & AZ NMLS #292056 Email Me: Nathan@NathanRufty.com www.NathanRufty.com Check Out Our Rates Privacy: This e-mail may contain information that is privileged or confidential. If you are not the intended recipient, please delete the e-mail and any attachments and notify the sender immediately, and do not use, copy, or disclose to anyone any of the contents hereof. State Licenses