Tuesday, October 28, 2014
Monday, October 27, 2014
What Credit Score is Needed to Buy a Home in Maryland ?
First of all, you might be wondering which credit score mortgage lenders use?
- Equifax?
- Transunion?
- Experian?
I get this question a lot and I'm not sure why?
There’s no sense focusing on something that only lenders have control of it, the fact remain that you need to be credit worthy to be a borrower.
All lender determine your creditworthiness by pulling your credit score.
But if you must know, the answer is your FICO score and that is an standard being used with most lenders in general.
Your FICO score is a combination of the 3 listed above...which are the three main credit bureaus.
If you are looking for the perfect "LOWEST CREDIT SCORE" you must have and get the best pricing from a lender...you will need at least 760 points.
If you have any mistakes or missteps inside your credit report, you must deal with them before buying a home if you want the best rates possible...and in some cases, this could take several months.
Maybe you will find that your credit score is not sufficient for you to get a loan. Your income and the ratios play an important role in determining how much credit you can get.
This is a very personal conclusion based on your own credit score, your income ratios, your debt amounts...and a few other important relevant facts. I caution for you NOT TO DISQUALIFY yourself...but have a professional evaluate your whole application for the best advice possible.
In summary, the only thing you have control over your credit score is to keep up diligently with your bills, don't wait until the last minute to pay them, don't over burden yourself with so much credit and be responsible and strive fro perfection when it comes to paying your bills...
If you have low credit scores, do not get discouraged, there are ways to raise your credit up with the right help...call us if you need assistance on this 301-246-0001.
Tuesday, October 14, 2014
ssssss
| ADVERTISING/MARKETING |
| HSN*HSN |
| Bombbomb - email service |
| Woot, Inc |
| PROFESSIONSAL MEMBERSHIP |
| Realtor Assoc./MLS |
| MRIS |
| CSS |
| WEBSITE/PAGE SUPPORT |
| Godaddy |
| Xoom Corp |
| Real Geeks |
| Fiverr |
| Short Sale Commander |
| SOFTWARE SUBSCRIPTION |
| Listingbook |
| YMLP |
| Zipform |
| IDX |
| Docusign |
| Yahoo Inc. |
| COMMUNICATIONS |
| Metrofax Inc |
| Techsmith Corp - fax service |
| Sprint - cell |
| Verizon - land line (2) & internet |
| Toktumi |
| TRAINING/ONLINE SEMINARS |
| PSV*Earlytorise |
| OFFICE SUPPLIES |
| Costco - paper, envelopes, water, coffee |
| Staples - colored folders, labels, misc. |
| Walmart - printer ink |
| Best Buy |
| REPAIR/CLEANING SUPPLIES |
| Home Depot |
| Target |
| MFS Supply |
Thank you,
Tuesday, September 23, 2014
728 Richmond Avenue Silver Spring | Maryland - Amazing New Home For Sale
Maxus Realty Group is Proud to Introduce
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Check out all these amazing features inside our exclusive eBrochure | Click Here
See some of the features in the videos below..
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728 Richmond Ave Silver Spring MD | Brand New Home For Sale in Downtown Silver Spring from Herboso and Associates llc
Amazing new construction home steps away from Downtown Silver Spring MD .
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THIS IS NOT A REHAB! but a brand new home from TOP TO BOTTOM constructed in an existing foundation using the latest and most modern materials in and out.
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Warranty
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Wednesday, September 10, 2014
Home Buying Tips for First Time Buyers in Maryland | FREE GRANTS!
Are you a first-time home buyer eager and ready to get into the market?
Here are some steps to take to help you decide whether you're ready or not
1. Check first what you can afford
2. Use a mortgage calculator to get an idea of what your monthly mortgage payments would be if you bought your first home today
3. Find out what your total monthly housing cost would be, you will need to include taxes and homeowners insurance..
4. Find out how much you'll likely pay in closing costs. The upfront cost when buying a home shouldn't be overlooked
5. Look at your budget and determine what is your Debt to Income Ratios
6. Talk to reputable Realtors in your area about your real estate needs
7. A good Realtor® will help you look at the big picture. While a buying a house is a huge step in your life and is a great way to build wealth.
Home Buying Tips for First Time Buyers in Maryland | Get Approved -- Seriously! from Herboso and Associates llc
Home Buying Tips for First Time Buyers in Maryland | Two Timing The Market from Herboso and Associates llc
Home Buying Tips for First Time Buyers in Maryland | Two Timing The Market from Herboso and Associates llc
Home Buying Tips for First Time Buyers in Maryland | Location Vocation from Herboso and Associates llc
Home Buying Tips for First Time Buyers in Maryland ! Don't Try To Steal it! from Herboso and Associates llc
Home Buying Tips for First Time Buyers in Maryland | Can You Afford It? from Herboso and Associates llc
What if you don't have the money for the down payment?
If your funds are low and saving for a down payment has become very difficult, you are in luck if you want to live in Maryland today
Our state government of Maryland along the county & city governments, have the funding available to help
and assist you as a first time home buyer . . .
and purchase your first home today.
The reason why they want to help you is that they want to stimulate the economy and they have allocated lots of money to help first time home buyers in the form of cash, down payment assistance, gifts and/or credits . . all of which could decimate the money you will need to buy a home today!
and assist you as a first time home buyer . . .
and purchase your first home today.
The reason why they want to help you is that they want to stimulate the economy and they have allocated lots of money to help first time home buyers in the form of cash, down payment assistance, gifts and/or credits . . all of which could decimate the money you will need to buy a home today!
What if you are having issues with your credit?
That is another obstacle that can easily be fixed if you are working with the right people that wants to make it happen..
CLICK BELOW TO GET STARTED!
WE CAN HELP YOU NOW!
First Time Home Buyer EducationTuesday, September 9, 2014
Amazing Prices | Save Moneyu Buying a New Home In Clarksburg MD Now
Information is power when it comes to buying a new home.
We have been preparing for you and if you are ready
We will provide you with unbiased opinion about all the new home construction in Clarksburg Maryland 20871
The quality of your builder is not based on their construction workers
Most of them are shared or they work for different builders at the same time
The quality of your builders depends in the quality of materials and the amount of specialized supervision.
As we go towards the last quarter of the year, builders are susceptible to accept lower offers than their Spring and Summer season...
Watch 3 ways how to save money on your next brand new home purchase
Before connecting directly with a single builder out of many...a simple consultation that brings neutral information with an unbiased party will clear your options. Once you
have narrowed your choices down to one single community, one builder and one home, you are clear on your goals and ready to work out the details. Let us be that unbiased opinion for you. We can help you choose the right community, the right builder, the right lot, the right model and help you sign a contract for your dream home.
New Home Construction for Clarksburg Maryland
Clarksburg MD Sample of the Latest Listings
$300,000
22966 NEWCUT ROAD Unit #2361, Clarksburg
Beautiful 2Lvl Condo , w/ att.1car garage and driveway. 2BR and 2.5BA. HW floors in Liv/Din Combo. Breakfast Bar, SS Appl., Granite counter tops, Gorgeous Dark Wood Cab.,...
- Beds 2
- Baths 3.0
- MLS MC8450703
- Bldg. Arora Hills Codm
$614,990
23518 SUGAR VIEW DRIVE, Clarksburg
Spectacular all the way around. Million dollar view from the back,see pictures, Gleaming hardwood floors, everything has been upgraded and so clean you can eat off the f...
- Beds 5
- Baths 4.0
- MLS MC8450163
$250,000
12832 CLARKSBURG SQUARE ROAD Unit #302, Clarksburg
2 level huge luxurious condo w 2 car attached gar + 180 sq ft storage rm. Spectacular view. Big kitchen w corian & upgraded cabinets. FR, DR, LR, & Den. Huge double walk-...
- Beds 3
- Baths 3.0
- MLS MC8450007
- Bldg. Clarksburg I Cod
$385,000
23034 SWEETSPIRE DRIVE, Clarksburg
Beautiful town house! Virtually new!!Open floor plan,gleaming hardwood through out LL & in Gourmet kitchen w/ granite counter tops, stainless steel app, recess lighting,c...
- Beds 4
- Baths 4.0
- MLS MC8448598
Saturday, August 30, 2014
Como Comprar Casa Con Tax ID - How To Buy A Home With Your Tax ID
How To Buy A Home With Tax ID
Introducing a new program from the U.S. Department of the Treasury to foster community growth with the use of a Certified CDFI Fund
Este nuevo programa que esta auspiciado por el Departamento del Tesoro de USA esta ayudando a mucha gente latina a comprar casas con solamante un TAX ID
Enterese!
Vea este video...
Where to start? What is the first step? Who should you contact first ?
Por dónde deberia empezar?
Cual seria su primer paso?
Quien le puede ayudar?
Y lo mas importante?
Cuales son las ventajas y desventajas de comprar una casa ahora.
Ha habido muchos programas de ayuda para Latinos para comprar casas, pero este nuevo programa ha sido levantado especificamente para ayudar a familias que tienen solamente un tax id
A lot of families are waiting for some type of Inmigration reform to buy a home.
The process has been complicated by the politics in Washington
Ultimately, there are "other" ways t buy a home with just a TAX ID if you are employed and paying taxes for at least 2 years.
Muchas familias estan esperando de que pasen alguna Reforma de Migracion para aclarear los papeles y fanalmente comprar una casa.
Hay un ambiente politico muy complicado en Washington DC, y por eso la espera de que pasen una ley para ayudar a la gente latina no esta cercana.
Pero en este caso, comprar una casa con TAX ID puede ser el sendero para que finalment sea un dueño de casa aqui en los Estados Unidos.
¿Que es lo que Ud. necesitaria , y cuanto de enganche será requerido para comprar su casa con tax ID?
Por el momento, Ud esta requerido de poner por lo menos un 20% de enganche para comprar su casa.
Tiene que tomar en cuenta que tambien tiene que pagar impuestos de propiedad y un seguro de titulo para los dueños que son típicamente pagadas dentro de este 20% que trae de "Down Payment"
Tambine tiene que tomar en cuenta de que los prestamistas quieren asegurar que usted pueda hacer pagos, por eso requieren que ud tenga una buena cantidad de inversion en su propiedad. Por eso le piden los 20% de enganche...y que tenga un historial de empleo por los ultimos dos años.
Pero lo mejor de esto es de que los prestamistas saben que la historia del credito...normalmente es bien limitado para la gente que no tiene papeles...por eso, este programa no toma mucha atencion a su historia de credito.
La compra de su primera casa es uno de los momentos más importantes de de tu vida.
y sus decisiones deberian ser cuidadosamente aplicadas.
Es una decisión que se debe analizar y consultar con personas que tengan experiencia y conocimientos sobre bienes raíces. Por eso llame a Fernando Herboso al 301-246-0001 para iniciar un consulta gratis por telefono.
Buying your first home in this country is sometimes referred as having the American Dream
The dream is not just about owning your own home...The American Dream is traditionally and equal opportunity to seek prosperity in this country for you and your entire family .
STEPS TO BUY A HOME - LOS PASOS PARA COMPRAR SU CASA
Haga en este momento el primer paso..
llamenos al 301-246-0001
y comenzamos hacer su sueño una realidad
Gracias,
Fernando Herboso
Herboso & Associates llc
Maxus Realty Group
Maryland , DC y Virginia
301-246-0001
Consejos Para Comprar Una Casa en Maryland o Virginia
How To Buy A Home With Tax ID - Como Comprar Casa Con Tax ID
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