Mike's Financial Blog

It’s not very often low home prices coincide with historic low rates. I'm here to help you get in on these great deals. Don't think you can qualify? The truth is you can buy homes with 10% down, 5% down, 3% down even
No down in some case. And yes you can qualify! As long as you have ok credit and some income...   With 3.5% down ppayments and credit scores accepted down to a 620 or lower it just as easy as it was in the 90’s. Since 100% financing is only available through limited government subsidies, many people are going the old fashioned way, gifts from relatives! In fact many people are simply waiting and saving up the down payment themselves...Gasp!

The news would have you believe that “credit has tightened” and banks aren't lending”. This is true when you are talking about commercial, auto and student loans, but not when it comes to residential mortgages. OK so long gone are the no income, no money, no credit loans. That still leaves everything else! And we probably won;t see deals this good in our lifetime.

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