Article by Jason Wheeler | Read our Feed | 925-285-2172

Do you invest in apartment buildings or are you buying a Commercial office building in the Contra Costa Bay Area in California?

Are you in need of a construction loan to fund your real estate project? Even in today’s volatile lending environment we have the resources to help you get your commercial financing in the Bay Area. We offer various loan programs and terms such as.

Loan Programs that we offer:

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• Purchase
  
• Refinance
• Fixed Rate Loans
• Adjustable Rate Loans
• Construction Loans
• Private Money Loans
• Land Loans
• Equity Capital for your Real Estate Projects also available

These are only a sample of the loan programs we offer.  For questions on these or any other program not listed, please give us a call.

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• Commercial Loan Checklist   (Note below list is for a full doc loan for a Stated loan exclude tax returns) 

  • Summary Letter to include (loan request,interest rate request,term etc.)
  • Rent Roll
  • Financial Statement or 1003 Loan Application
  • Last 2 year Tax Returns (Business & Personal)
  • Property Description (size,location,age,# of units etc.)
  • 2 Year Income & Expense Statement
  • Photo’s of property
  • Purchase Contract (if a purchase)
  • Credit Report
  • Copy of Partnership Agreement (if a partnership)
  • Construction Cost Beak Down (if a construction loan)
  • Current Profit & Loss (if self employed)
  • Escrow Instructions & Preliminary Title Report (if available)

  Construction Loan Checklist

  Thank you for your interest in Capital Equity Inc. Construction Loan Program. In order to consider a Construction Loan we will need the following from you:

  • 1003 Loan Application
  • Personal Financial Statement
  • Entity Documents (LLC, Corp etc.)
  • Two years Federal Income Tax Returns
  • Copy of three most recent Bank Statement
  • Escrow Instructions(if applicable)
  • Title Insurance Policy (if available)
  • Copy of Land Acquisition Settlement Statement (if available)
  • Copy of the monthly Mortgage Statement
  • Copy of Soils Report
  • Environmental Questionnaire & Disclosure Statement
  • Copy of the Building Plans
  • Copy of the Construction Cost Breakdown
  • Copy of Construction Contract
  • Copy of Contractor’s Resume & Qualification

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If you need help with your commercial loan of if you would like to get a free rate quote don’t hesitate to contact us or call us so that we can explore your best options. Interest rates change daily and can be effected by your property or your situation so call us today with your scenario.

Until Next time Here is to your success! Jason Wheeler 925-285-2172 |

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How can you get legitimate answers to all your mortgage and loan related questions in the Contra Costa SF Bay Area?

One of my main goals in my business of doing loans and helping people get the money they need for thier homes is to be your first resource for all your mortgage financing questions. I want to be sure that you feel educated and that you feel like you have somewhere to go with no obligations to ask all your questions.

Call or Email Us now if you would like to get one on one answers 925-285-2172

I’ve set up this page as a free service so anyone can get thier financial mortgage questions answered with no pressure or commitment. I’m happy to answer any question publicly or in private. Here are some of the most popular questions I recieve on a regular basis.

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• How much can I afford to borrow?
• How do you determine income when you are self employed?
• What documents are needed to get started?
• Can I use my rental income?
• My Bank told me this but I heard that?
• What determines my interest rate?
• How much will it cost me to get this loan?
• Are no cost loans available?

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So if you are going through the mortgage process with another lender, you need a second opinion or maybe you are just curious. You can get all your mortgage questions answered on this page from a pro that has been in the business since 2003. We process and close loans all over California and we want to help you better understand the complicated process of getting a mortgage loan.

Until Next time Here is to your success! Jason Wheeler 925-285-2172 |

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I’ve been helping people finance their real estate since 2003 and I’m very proud to announce my partnership with one of the premier Mortgage Companies in the entire United States! Clarion Mortgage Capital has been a premier broker since 1996 and with today’s volatile mortgage market Clarion Has the relationships with the lenders you need in order to make an informed decision on your next mortgage.

As a Mortgage Originator since 2003 my commitment is to help you find the best loan given your unique mortgage scenario with the most competitive pricing to rival any retail lender, and get your loan closed in a timely manner on weather you are in need to buy a home or refinance your current mortgage.

With over 60 strategic lending partners including Wells Fargo, US Bank, ING and Chase just to name a few we also are able to help with loans that have been rejected or declined from a traditional retail bank that adheres to the strict Fannie Mae and Freddie Mac Guidelines. Here are are ten reasons you should work with us on your next Mortgage Loan.

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• Key relationships with over 60 banks that lend in California like:
  • Wells Fargo
  • Chase Home Finance
  • Sierra Pacific
  • ING
  • Flagstar Bank
  • And many niche lenders that work outside the box
• Technology to shop your loan scenario with over 30 banks in 15 minutes
• Premier rating with the Better Business Bureau
• We have the ability to fund loans that don’t fit into tight Fannie Mae Freddie Mac Guidelines
• Personal service provided by a professional right in the CA Bay Area
• Consults and questions are always answered for free
• Rates that beat the National Average every day
• Experience through the tough economic times to close your difficult loan
• We work very close with Realtors and everyone on your team to buy your home
• Programs include Government FHA Loans, HARP Loans Conventional and Jumbo Financing

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I’ve built my business by serving my clients above and beyond so they will refer me to their friends and family for loans all over California. Client and family members don’t hesitate to testify to our dedication to get your financing.

So remember if you are looking to buy or refi your real estate in the California Bay Area most of the client we serve reside in San Francisco, Oakland, San Jose, Concord, Walnut Creek, San Leandro, Orinda, Lafayette, Pleasanton, Danville, San Ramon and Walnut Creek however we process loans as far as Los Angeles and San Diego. Investors and buyers in Placer County are also more than welcome to Contact Us for a free consult anytime.

Until Next time Here is to your success! Jason Wheeler 925-285-2172 |

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Bank rates change daily and sometimes multiple times daily. See below for most up to date data on mortgage trends. If you would like pin point pricing you should email or call us anytime.

Call or Email Us now for a Quick Approval and Personalized Quote 925-285-2172

Currently mortgage rates are lower than they have been in the last 50 years! If you have been on the fence on a refinance or looking to purchase a property in the East Bay Area, Pleasant Hill, Martinez, Walnut Creek, Concord or one of the surrounding cities in the SF Bay Area, we can help you close your loan fast and efficient with littel to no closing costs at some of the best rates on the market today. We work with banks like Wells Fargo, Bank of America, and many smaller partners that offer great incentives and can often close in 30 days or less and we can help you qualify for tax credits and local government programs in the Bay Area.

The fact is that if you are currently searching for a 30 Year Fixed Mortgage or just looking for a shorter term loan like a 5 Year Arm, we will be able to compare mortgage rates and pricing with multiple banks so that you can benefit with the bet pricing on your mortgage refinance up to 125% of your appraised value or a strait home purchase on an REO or a foreclosure. There are many steps you must take to be successful when buying a home in the Bay Area. But the first thing you should do is get a good local quote from a mortgage broker that has the ability to shop and compare rates in the city that you are looking to finance in. Here are 10 essential tips to buying a home in the Bay Area

We do loans all over California however we specialize in the San Francisco Bay Area and Contra Costa County. We have several clients in Pleasant Hill, Martinez, Concord, Antioch, Walnut Creek, San Ramon, and Lafayette. If you are financing property in the east bay area don’t hesitate to get in touch with us now for a rate comparison.

Get in touch today for your free review!

Connect Online | Facebook | Twitter

Until Next time Here is to your success! Jason Wheeler 925-285-2172

Leave a Comment Below I Answer Each One!


 
 

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Come To An Event | 925-285-2172

Bank rates change daily and sometimes multiple times daily. See below for most up to date data on mortgage trends. If you would like pin point pricing you should email or call us anytime.

Connect Online | Facebook | Twitter

Until Next time Here is to your success! Jason Wheeler 925-285-2172

Leave a Comment Below I Answer Each One!

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Hope you had a wonderful Easter Weekend and Spring Break! If you got to get away or spend some extra time with you family this week well that is what life is really all about. I am still hoping to sneak up to the snow once more before it all melts and the runs close for the year.

This week I wanted to pass along a couple of relevant articles that I hoped you would find to be valuable. Also if you would like to attend one of our events please don’t hesitate to ask me about them. They are great for networking and learning and they are FREE too!

Real Estate Investor Events This Week!

Investor Forums Networking and Education in Bay Area CA RSVP Here!

This is your opportunity to learn from pros that are making local deals. If you would like to get started and work with a team of professional real estate investors you absolutely deserve to receive the information that we will be sharing this evening!

If you would like to network and learn with people who are truly creating success with Real Estate Investing in today’s market you don’t want to miss this.

Relevant Articles

Details on the CA Real Estate Tax Credit were released on April 7th and you can get all the official details right here!

The rate that the government charges to insure FHA loans wend from 1.75% of the loan amount to 2.25% last week. That makes if much more expensive to get one of these loans. More Info Here!

Effective for FHA loans for which the case number is assigned on or after April 5, 2010, FHA will collect an upfront mortgage insurance premium of 2.25 percent up from the current 1.75 percent.

Financing Trends

Here we are wrapping up Friday 4/9/2010. Mortgage rates are still extremely low. Some of the niche programs for first time buyers and tax credits are still available.

You can look at weekly rate trends Here

If you have financing questions, or want to learn more about what we are doing as Real Estate Investors? Or if you are looking for new income or lending sources… Don’t hesitate to get in touch with me anytime! Right now we have access to over 300 non traditional lenders looking to give you money for your real estate deal.

Until Next time Here is to your success! Jason Wheeler 925-285-2172

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Important Details | The 2010 New Home Credit and First-Time Buyer Credit begins May 1, 2010.

The New Home / First-Time Buyer Credits are available only for purchases that close escrow on or after May 1, 2010. 

Applying for the 2010 New Home/First-Time Buyer tax credits:  Applications must be faxed after escrow closes. The new application will be available by May 1, 2010.  We will deny the application if the 2009 form is used or if we receive the 2010 application before May 1, 2010.

Check this page often. We will add updates as they become available.

General Information: These tax credits are available for taxpayers who purchase a qualified principal residence on or after May 1, 2010, and before January 1, 2011. Additionally, these tax credits are available for taxpayers who purchase a qualified principal residence on or after December 31, 2010, and before August 1, 2011, pursuant to an enforceable contract executed on or before December 31, 2010.  The purchase date is defined as the date escrow closes. Taxpayers may apply for the tax credits if they have entered into a contract before May 1, 2010, as long as escrow closes on or after May 1, 2010.

These tax credits are limited to the lesser of 5 percent of the purchase price or $10,000 for a qualified principal residence. Taxpayers must apply the total tax credit in equal amounts over 3 successive tax years (maximum of $3,333 per year) beginning with the tax year in which the home is purchased. The tax credits cannot reduce regular tax below tentative minimum tax (TMT). The tax credits are nonrefundable and unused credits cannot be carried over.

The total amount of allocated tax credit for all taxpayers may not exceed $100 million for the New Home Credit and $100 million for the First-Time Buyer Credit. However, since many taxpayers will not be able to utilize the entire tax credit, the legislation specifies that the $100 million cap for the New Home Credit will be reduced by 70 percent of the tax credit allocated to each buyer and the $100 million cap for the First-Time Buyer Credit will be reduced by 57 percent of the tax credit allocated to each buyer. For example, if a taxpayer is allocated $10,000 for the New Home Credit, the $100 million cap for the New Home Credit will only be reduced by $7,000. If a taxpayer is allocated $10,000 for the First-Time Buyer Credit, the $100 million cap for the First-Time Buyer Credit will only be reduced by $5,700. The 70 and 57 percent reductions do not impact the amount that can be claimed by the taxpayer.

We will allocate the tax credits on a first-come, first-served basis. 

Only one tax credit is allowed per taxpayer. If a taxpayer qualifies for both tax credits, the law specifies that we will allocate the amount under the New Home Credit.

Taxpayers will not be eligible for either tax credit if any of the following apply:

• The taxpayer was allowed a 2009 New Home Credit.
• The taxpayer is under 18 years old. (A taxpayer who is married as of the date of purchase will be considered to be 18 if the spouse/registered domestic partner (RDP) of the taxpayer is 18 or older on the date of purchase.)
• The taxpayer or the taxpayer’s spouse/RDP is related to the seller.
• The taxpayer qualifies as a dependent of any other taxpayer for the tax year of the purchase.

New Home Credit:  A qualified principal residence, for purposes of the New Home Credit, must:

• Be a single family residence, either detached or attached. This can be a single family residence, a condominium, a unit in a cooperative project, a house boat, a manufactured home, or a mobile home. A home constructed by the taxpayer is not eligible since the home has not been “purchased.”
• Have never been occupied. Sellers must certify that the home has never been occupied in order for a taxpayer to receive an allocation of the credit.
• Be eligible for the California property tax homeowner’s exemption.
• Be occupied by the taxpayer as their principal residence for a minimum of 2 years immediately following the purchase.

Tax credit allocation:

• A Certificate of Allocation will not be issued if:
  • The seller does not certify the home has never been occupied.
  • We do not receive the application and a copy of the properly executed settlement statement within 2 weeks (14 calendar days) after the close of escrow.
  • We receive the application or reservation request after the total tax credits available have been allocated.
• FTB’s determination may not be protested or appealed.

First-Time Buyer Credit:  A qualified principal residence, for purposes of the First-Time Buyer Credit, must:

• Be a single family residence, either detached or attached. This can be a single family residence, a condominium, a unit in a cooperative project, a house boat, a manufactured home, or a mobile home. A home constructed by the taxpayer is not eligible since the home has not been “purchased.”
• Be eligible for the California property tax homeowner’s exemption.
• Be occupied by the taxpayer as their principal residence for a minimum of 2 years immediately following the purchase.

A first-time buyer is any individual (and the individual’s spouse/RDP, if married on the date of purchase) who did not have an ownership interest in a principal residence, either in or out of California, during the preceding 3 year period ending on the date of the purchase of the qualified principal residence. If the buyer is married on the date of purchase and either the buyer or the buyer’s spouse/RDP had an ownership interest in a principal residence during the preceding 3 year period, the buyer does not qualify for the First-Time Buyer Credit even if the spouse/RDP is not going to be on title.

Tax credit allocation:

• A Certificate of Allocation will not be issued if:
  • We do not receive the application and a copy of the properly executed settlement statement within 2 weeks (14 calendar days) after the close of escrow.
  • We receive the application after the total tax credits available have been allocated.
• FTB’s determination may not be protested or appealed.

Applications: We will accept applications by fax only beginning May 1, 2010. Do not use the 2009 application. We will post more information by May 1, 2010.

Reservations: Taxpayers who qualify for the New Home Credit may, but are not required to, reserve a tax credit prior to the close of escrow. Reservations will become important as we near the $100 million cap for homes that may not close escrow before the cap is reached, as a reservation will “hold the taxpayer’s place in line” until 2 weeks after escrow closes. To reserve a tax credit, the taxpayer and seller need to complete, sign, and fax to us a reservation request to certify that they have entered into an enforceable contract on or after May 1, 2010, and on or before December 31, 2010. A copy of the signed contract must be included with the reservation request. Taxpayers who reserve a tax credit still need to fax an application and a copy of the settlement statement within 2 weeks after the close of escrow. Taxpayers may not reserve a tax credit if the contract was entered into before May 1, 2010. We will post the reservation form and details about the process by May 1, 2010.

If you are only applying for the First-Time Buyer Credit, you will not be able to reserve the tax credit before escrow closes.

Claiming the tax credit:

• The taxpayer must receive a Certificate of Allocation from us to claim the tax credit on their California personal income tax return. The Certificate of Allocation will state the maximum amount the taxpayer can claim listed by tax year.
• The taxpayer should refer to the 2010 New Home / First-Time Buyer Credit Publication for instructions on claiming the tax credit (the publication will be available by December, 2010).
• Special rules apply to married/RDP taxpayers filing separately, in which case each spouse/RDP is entitled to one-half of the tax credit, even if their ownership percentages are not equal. For 2 or more taxpayers who are not married/RDP, the tax credit amount will have already been allocated to each taxpayer occupying the residence on their respective tax credit allocation letter.
• If the available tax credit exceeds the current year net tax, the unused tax credit may not be carried over to the following tax year.
• The tax credit may not reduce regular tax below TMT.
• The tax credit is not refundable.
• Any disallowance of the tax credit may not be protested or appealed

Connect with Jason Online!

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Until Next time Here is to your success! Jason Wheeler 925-285-2172

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Bank of America Claims to be Offering Mortgage Principal Reductions. Have You Heard of ANY Success Stories?

Bank Of America to Reduce Principal for Distress Home Owners

Bank of America, the nation’s largest mortgage lender, on Wednesday announced a program to offer homeowners who owe significantly more than their homes are worth the opportunity to have their loan balances reduced.

I’ve done some personal research on this program and from what I heard on the news today it’s a very interesting. If a homeowner owes more than 120% of the value of their home but wants to keep it, B of A essentially forgives interest temporarily. (Another way to look at it is they set the interest rate at -0-.)

Then they set a payment they think the homeowner can afford, and 100% of the payment goes to principal reduction until…

The balance of the loan drops down to the then-current value of the home. Then interest kicks in again, presumably at the original terms, although I don’t know that for sure.

Note that B of A doesn’t give up any principal, but rather gives up interest — but only for a fairly short time.

Financing Trends

Here we are wrapping up Friday 3/25/2010. Mortgage rates are still extremely low. Some of the niche programs for first time buyers and tax credits are still available.

You can look at weekly rate trends Here | Popular Funding Programs

If you have financing questions, or want to learn more about what we are doing as Real Estate Investors? Or if you are looking for new income or lending sources… Don’t hesitate to get in touch with me anytime! Right now we have access to over 300 non traditional lenders looking to give you money for your real estate deal.

Connect with Jason Online!

Facebook | Twitter | LinkedIn | Come to an Event

Until Next time Here is to your success! Jason Wheeler 925-285-2172

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California Tax Credit Extension | What You Need to Do to Recieve the Extended Funds in 2010

Great News for home buyers! Despite declining home sales for the entire first quarter of 2010 The CA house has decided to extend the home buyer tax credits. The Governor signed the bill in Fresno CA.

New California First Time Home Buyer Tax Credit Highlights How To Qualify

• $200 million in funds available on a first come, first serve basis – could help over 20,000 home buyers
• New homes for any taxpayer and new/existing homes for first time home buyers
• “Qualified principal residence” means a single-family residence, whether detached or attached, that is purchased to be the principal residence of the taxpayer, is eligible for the homeowner’s exemption under Section 218, and has either never been occupied or is purchased by a first-time home buyer.
• $10,000 tax credit or 5% of purchase price (whichever is lower)
• Credit given in 3 payments to a taxpayer’s personal income tax returns over 3 year period

According to the San Francisco Examiner
The first-time home buyer tax credit extension and expansion has won Congressional approval and is on its way to President Barack Obama. He’s expected to sign the measure as early as tomorrow. The U.S. House of Representatives, this morning, voted 403 to 12 to pass the measure, following unanimous U.S. Senate approval yesterday. The measure was passed as part of unemployment benefits extension legislation H.R. 3548. The extension and expansion of the popular first-time home buyers tax credit gives both new and move-up buyers a tax incentive to buy a home until at least April 30, 2010, longer for military personnel.

So What Steps To Take in order to Receive the Home Buyer Tax Credit in California?

1. Get in Contract on a Home – Before you can apply for the tax credit you must be in contract on a home. There are several steps you must take to be successful in finding and closing on a home in the California Bay Area and surrounding cities. The first step anyone should take in finding a home is find out how much you can afford without breaking the bank. Homes in the California Bay Area while very inexpensive relative to five years ago, are still very desirable and more expensive than many other places in the state or even in the entire country for that matter. The best way to find out what you can afford when buying a home is to get a referral or find a good qualified Mortgage Broker or Loan Officer in the local area that you plan to buy in. You can find a detailed how to step by step guide for buying a home at our 10 Essential Tips to Buying a Home in the California Bay Area!
2. Apply For the State Tax Credit – You must fill out CA and Federal Tax Forms in order to receive the credit in a timely manner. You can learn more about and download the proper forms to receive the tax credit at the California Franchise Tax Board site.

Connect with Jason Online!

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Until Next time Here is to your success! Jason Wheeler 925-285-2172

Ask a question or Leave a Comment! We Answer Everyone

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Article by Jason Wheeler | Read our Feed | 925-285-217

Our mission is to provide clients and investors with exceptional services through the intelligent application of real estate investing strategies and the latest mortgage financing options available today. We are dedicated to helping you build a profitable business and real estate portfolio.

Through many of our strategic partners we can help provide the following.

Call or Email Us now for a Quick Approval and Personalized Quote 925-285-2172

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• Financing for Your Real Estate – If there is a loan product in the conventional market that you qualify for we will get it for you. We have no allegiance to any one bank and always work for you. We can also provide private transactional funding for your short term Real Estate investments.
• Transactional Funds for Real Estate Investors as low as 2.25%
• Real Estate Investment Education – Have you thought of creating an income through Real Estate Investment strategies? If so you can benefit from one of our FREE Events. Learn our unique model in real estate investments and create a long term source of wealth and security.
• Foreclosure Relief – If you are in a hardship or cannot make your current payments you need to speak with us. Did you know that there are several ways you can avoid going through a foreclosure and often times save your home.

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Call or Email Us now for a Quick Approval and Personalized Quote 925-285-2172

REI Capital Solutions Group was founded by Jason Wheeler. Jason has been practicing in Real Estate Finance and Investments since 2003. His main passion is to help the average consumer create success through building a successful business foundation and real estate portfolio. Jason served his community in Pleasant Hill, CA in the East Bay Area as the Vice President of Government Affairs for the Pleasant Hill Chamber of Commerce Board of Directors from 2006 to 2009..

Jason’s key to success is always finding a mutually beneficial transaction for everyone involved in his real estate transactions and investments. Jason will help you get the knowledge you need to create a significant income in real estate investments and connect you with a network of thousands of investors nationwide that want to help you succeed in Real Estate Investing.

EDUCATION: Education is the key to having success in just about any endeavor or skill we believe that in order to be successful in Real Estate Investment endeavors you must understand the various strategies that you can implement including. We can introduce you to top notch trainers that specialize in strategies like Creative Financing, Buying without using you own money or credit, finding wholesale real estate deals and much much more. You will learn from successful practitioners in the real estate investment field that bring up to date start to money systems for you to implement.

CASH FLOW PROPERTIES: If you are interested in diversifying your investments to include income-producing properties, we can introduce you to a complete turn-key solution: a national network of real estate acquisition and management professionals who can deliver cash-flow-positive, instant-equity properties in great rental markets around the country with as little as 10% down. You can literally shop for great rental properties online. Key services include property acquisition, property management, tenanting services, incorporation and tax services, and much more .You will have direct access to full comps or appraisals, mortgage documents, photos of the property and full financial’s. Contact us for a free online tour of currently available properties.

INCOME: Do you have a strong sales and marketing background? Are you highly ethical, strongly money-motivated, and interested in learning investing? Contact us to find out how you can join our outstanding team. We do not put a cap on your up-side potential. We pay for results.

COMMUNITY: Do you believe that investing is a team sport? We do! We can introduce to you a network of over 12,000 investors, brokers, lenders, lawyers, accountants, agents, property managers, deal locators and instructors so that you always have someone to consult to provide support, mentoring, advice and assistance with your next deal.

Until Next time Here is to your success! Jason Wheeler 925-285-2172 | Come to a FREE Event |

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Call or Email Us now for a Quick Approval and Personalized Quote 925-285-2172

Until Next time Here is to your success! Jason Wheeler 925-285-2172

Leave a Comment or Question Below we Answer Each One!Until Next time Here is to your success! Jason Wheeler 925-285-2172 |
 

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First Time Homebuyer Program Concord CA

What is the First Time Homebuyer Program?

It is a second mortgage loan program to assist qualified low-income individuals with the purchase of their first home.

What are the maximum income limits and FTHB loan amounts?

Income eligibility is based on Household size. The maximum loan amount is determined by the income bracket of the household. Households earning at or below 100% of Area Median Income are eligible for up to a $40,000 loan. (Refer to household size at all income levels)

How much money can I borrow?

The maximum loan amount is 20% of the home sales price, or appraised value, whichever is lower, up to the maximum of $40,000 based on household income and household size.

* As of April 2, 2009

Who is eligible for a loan?

Borrower must be a first time homebuyer, which is a household that has not owned a home within the past three years. Borrowers must be able to qualify for a first mortgage from a participating lender. The homebuyer must provide a minimum of 3% of the purchase price.

What homes are eligible for purchase?

Homebuyers may purchase an existing single-family detached home, condominium, or townhouse located anywhere within Concord City Limits.

What are the loan terms?

• Borrower’s Disclosure (currently being updated)
• The loan is a zero-interest, 15-year loan. Loan payments are deferred, with the loan being due at the end of 15 years or earlier if the house is sold.
• The City loan carries shared appreciation, when the home is sold. For example, if the original sales price is $200,000 and the City loan is $20,000, the City’s "share" of the appreciation is 10%. At the time of sale or refinance to pay off the City loan, 10% of the appreciation will need to be paid to the City. When the City loan is paid off the shared appreciation obligation ceases.

Inclusionary Housing

The FTHB Program may be used in conjunction with affordable units generated through the Inclusionary Zoning Ordinance to purchase a new home. The income eligibility is based on household size and is allowable up to 120% of Area Median Income cap ($107,150 for a family of 4). In cases where the FTHB Program is used to purchase an Inclusionary unit, the loan may be increased up to $50,000. This increase is intended to encourage low and moderate-income families to purchase inclusionary units, which are subject to the 45-year deed restriction. Although new inclusionary units are not for sale at this time, units are anticipated to be built over the next few years.

Are there any other requirements?

• Borrowers must attend a City-approved FTHB Counseling Workshop. Schedule a free workshop online through www.Crediteducation.org Classes are typically held within Concord at least two Saturdays per month.
• A home purchased under the FTHB program must be, and remain, the borrower’s principal place of residence. The property cannot be leased or rented during the term of the City loan.
• Persons with ownership in most real estate assets are not eligible.
• Funds are limited. Assistance is provided on a first-come, first-served basis, as long as funds remain available.

For First Time Home Buyer classes schedule on-line at: www.crediteducation.org.

Until Next time Here is to your success! Jason Wheeler 925-285-2172 | Come to a FREE Bay Are Event |

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What?!? Did you just say that just $100 down payment can get you into a home. What kind of program is the FHA and HUD sales Incentive Program anyway? Because of the foreclosure wave and FHA continuing to struggle and the possibility of more government stimulus being pumped into the FHA they must get those darn bank owned homes off their boos so they can do what they are meant to. LEND and make homes affordable!!

So what are the incentives and advantages of the the FHA and HUD Sales Incentive?

• 110% Loan to Value is allowed in most counties
• $100 down payment when you use FHA financing
• $5000 sales credit allowed from FHA for repairs at closing using FHA
• 3% HUD allowed for closing cost assistance.

So with all these awesome benefits how the heck to I qualify. Well only HUD owned homes can use this program. You can find a HUD Owned Home Here and only owners who intend to occupy the home are eligible. If you would like to see if you or a friend qualify all you have to do is call us and we can get you qualified in 10 minutes.

Until Next time Here is to your success! Jason Wheeler 925-285-2172 | Come to a FREE Bay Area Event |

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Public Finance

MCC funds now are available.

Program Summary

The Mortgage Credit Certificate Program, authorized by Congress in the Tax Reform Act of 1984, provides financial assistance to "First time homebuyers" for the purchase of new or existing single-family home. In 1985, the State adopted legislation authorizing local agencies, such as Contra Costa County, to make Mortgage Credit Certificates (MCCs) available in California. Contra Costa County MCC authority can be used in all cities as well as the unincorporated areas of the County. The Contra Costa County Community Development Department will administer the program.

What is an MCC?

The MCC Program is a homebuyer assistance program. The MCC provides qualified first time homebuyers with a federal income tax credit. Income tax credits reduce an individual’s tax payment(s) by an amount equal to the credit. Under the MCC program, the maximum tax credit available is equal to 20 percent of the annual interest paid on the borrower’s mortgage. By reducing the borrower’s federal tax liability, the tax credit essentially provides additional income which can be used for mortgage payments.

How does the MCC reduce your taxes?

In the example given in Table 1, a borrower with a 7.5 percent fixed rate 30-year mortgage of $150,000 would make $11,203 in interest payments during the first year of the mortgage.1 Under normal circumstances, the borrower deducts 80 percent of that interest ($8,962 in our example)-along with other allowable deductions-from his total gross income in order to figure the "adjusted gross income" used to calculate his/her total tax liability. After the borrower has calculated the total tax liability, under the MCC program the remaining 20 percent of the interest ($2,241 in our example) is also deducted from his/her total tax liability. If this subtraction results in a negative number-in other words, if the borrower is unable to use the entire MCC tax credit in this particular tax year-the credit may be carried forward and used, up to three calendar years in the future. The borrower may consider adjusting his/her federal income tax withholding (W-4) so as to benefit on a monthly basis for the MCC. By taking this action, the borrower will have more disposable income to make mortgage payments.

Note that the MCC program applies only to the borrower’s federal tax liability. State taxes are not affected.

What are the purchase price and income limitations for MCC Participation?

Mortgage Credit Certificates are available to first-time homebuyers in Contra Costa County. Table 2 shows the purchase price and income limitations for MCC Program participants.

How does a borrower obtain an MCC?

To obtain an MCC, a purchaser of a new or existing single-family home works with any mortgage lender participating in the MCC program and applies for an MCC and a mortgage loan at the same time. Lenders process the underlying mortgage using standard procedures, with adjustments to those procedures as needed to satisfy the MCC requirements. The lender is responsible for underwriting and execution of required State and federal certifications and affidavits. The County reviews executed certifications and affidavits from the lender in order to determine qualification and eligibility of the MCC applicant.

May an MCC be used with a re-financed loan or to assume an existing mortgage?

An MCC cannot be issued to a homeowner who is refinancing an existing mortgage or to an applicant desiring to assume an existing mortgage unless (1) the mortgage is held by a current MCC holder and (2) the sales price of the house being sold falls under the sales price maximum for the program. In all other cases, only new, first mortgages are eligible for MCC participation.

Loans with an MCC attached to them can be refinanced once and the MCC can be reissued. If the refinance loan is then refinanced, the homeowner loses the MCC. The RMCC can be done directly with the homeowner without involving the lender. There are no restrictions regarding the amount that can be refinanced. The fee for an RMCC is non-refundable $200. RMCC Letter, RMCC Application, RMCC Certifications, RMCC Application Checklist

How many MCCs will be available under the program?

The number of MCCs available depends on the amount of issuing authority for which the jurisdiction applies.

Potential for recapture of portion of the tax credit if home is sold within the first nine years after purchase.

In order to discourage individuals from buying a home primarily to benefit from the tax credit and short term appreciation potential, the federal government has initiated a recapture of a portion of the tax credit if a home is sold within the first nine years after purchase. Certain conditions must exist for the recapture to take effect. The County MCC staff and your lender can outline the specifics of this recapture program at the time of your application.

APPLICATION AND ELIGIBILITY REQUIREMENTS FOR MCC PROGRAM

The Contra Costa County MCC Program eligibility requirements are as follows:

• MCCs will be available only to "first-time homebuyers", (i.e. not owning a home within the past three years).
• As first-time homebuyers complete their normal loan application process with a participating lending institution, their mortgage lenders will prepare MCC applications and forward them to the County. The County will then issue MCCs on a first-come, first-served basis according to when the initial application is received by the County. County staff requires 5-7 days for application review and processing.
• Applicants may buy a residence only for their own occupancy, not for rental or reinvestment. Occupancy as "principal residence" must be within 60 days of the close of escrow.
• Applicants must pay a non-refundable application fee of $200 at the time the lender applies to the County on their behalf.
• The MCC can be used when buying a new home with a maximum purchase price of $629,005, ($768,784 in Target Areas) or an existing home with a purchase price that does not exceed $619,381 ($757,021 in Target Areas).
• MCCs can only be transferred in cases where the home is being sold to another eligible MCC applicant. In such a case, all MCC requirements must be met and the mortgage must be assumed for the transfer to occur.

Until Next time Here is to your success! Jason Wheeler 866-833-7413 | Come to a FREE Bay Are Seminar |

Get FREE MP3 of Think and Grow Rich and download the ebook by Napoleon Hill!

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95% LTV is back on Agency Conventional Loans Borrowers may now get 95% LTV if they meet the following criteria:

• 95% Purchase and Rate/Term refinances
• Specific Affordable Products only (see below)
• Borrower does not have to be a First Time Homebuyer to qualify. However , First Time Home Buyer’s must complete training course.
• 680 Minimum Score Requirement
• 1 unit property only (SFR and PUDs. Condos maxed at 90% LTV)
• 2 months. reserves required regardless of AUS findings
• 3% down payment and reserves must be borrower’s own
• Borrowers can only own 1 property (No 2nd homes or rentals)
• Full appraisal required regardless of AUS findings
• 3% Seller Concessions maximum allowed
• Counseling only required for First Time Home Buyers
• Income limitation waived on MyCommunity program if property is located in a Fannie Neighborhood
• Mortgage insurance must be ordered through Genworth (GE)
• These Genworth overlays apply to product guidelines
• Now available in CA, FL, NV, and AZ
• Standard Conforming Fixed is not eligible. Must fit into one of the below programs
  

  Available Programs:
  • Freddie’s Home Possible Doc #5335 (Fixed Rate only) • FNMA MyCommunity Doc #5325 (Fixed Rate, 5 yr ARM and 7 yr ARM

  Additional benefits (see product descriptions for full details):
  • Reduced MI coverage available (16% MI coverage). This is a great selling tool against FHA! MI is reduced and unlike FHA, the MI may be removed after 2 years if home has appreciated in value. Borrowers completing GE’s Counseling Saver Program may receive additional rate discoun

Connect with Jason Online!

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Until Next time Here is to your success! Jason Wheeler 925-285-2172

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Beginning October 1, 2009, Flagstar Bank implemented the FreddieMac Open Access program. Now you can take a loan that was sold to FreddieMac and is currently serviced by another lender, and refinance it with our banking partners. This is a major change and we are one of the very few major lenders to offer this program. We are also one of the few lenders that also offer the Fannie Mae DU Refi Plus up to 125% LTV.

BENEFITS
Maximum LTV of up to 125% with no maximum CLTV.*
Loans with an LTV greater than 80% with an escrow waiver on the original loan may be eligible for an escrow waiver on the new loan.*
Minimum credit score determined by LP.
Proceeds of up to 4% of current unpaid balance or $5,000 can be used to pay closing costs/prepaids and financing costs.
Mortgage insurance is not required if existing loan does not have mortgage insurance.

FLEXIBLE TERMS
15-, 20- and 30-year "xed-rate
5/1 adjustable-rate option

ELIGIBLE PROPERTY TYPES
1- to 4-unit properties
Freddie Mac-eligible condominiums**
Planned unit developments (PUDs)

Connect with Jason Online!

Facebook | Twitter | LinkedIn | Come to an Event

Until Next time Here is to your success! Jason Wheeler 925-285-2172

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95% LTV is back on Agency Conventional Loans Borrowers may now get 95% LTV if they meet the following criteria:

• 95% Purchase and Rate/Term refinances
• Specific Affordable Products only (see below)
• Borrower does not have to be a First Time Homebuyer to qualify. However , First Time Home Buyer’s must complete training course.
• 680 Minimum Score Requirement
• 1 unit property only (SFR and PUDs. Condos maxed at 90% LTV)
• 2 months. reserves required regardless of AUS findings
• 3% down payment and reserves must be borrower’s own
• Borrowers can only own 1 property (No 2nd homes or rentals)
• Full appraisal required regardless of AUS findings
• 3% Seller Concessions maximum allowed
• Counseling only required for First Time Home Buyers
• Income limitation waived on MyCommunity program if property is located in a Fannie Neighborhood
• Mortgage insurance must be ordered through Genworth (GE)
• These Genworth overlays apply to product guidelines
• Now available in CA, FL, NV, and AZ
• Standard Conforming Fixed is not eligible. Must fit into one of the below programs
  

  Available Programs:
  • Freddie’s Home Possible Doc #5335 (Fixed Rate only) • FNMA MyCommunity Doc #5325 (Fixed Rate, 5 yr ARM and 7 yr ARM

  Additional benefits (see product descriptions for full details):
  • Reduced MI coverage available (16% MI coverage). This is a great selling tool against FHA! MI is reduced and unlike FHA, the MI may be removed after 2 years if home has appreciated in value. Borrowers completing GE’s Counseling Saver Program may receive additional rate discount

Connect with Jason Online!

Facebook | Twitter | LinkedIn | Come to an Event

Until Next time Here is to your success! Jason Wheeler 925-285-2172

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With all this talk about Mortgage Modifications all over the United States why aren’t we seeing more success stories? The plain fact is that Mortgage Modification flat out do not work. Less than 1% of the applications are actually made permanent. So is there any solution to this problem?

Here is what the Wall Street Journal has to say about Mortgage Modifications

Since the program began, more than three million homeowners have become eligible for assistance. In turn, mortgage servicers have reached out to these borrowers, initiating the modification process. Roughly 760,000 homeowners have received loan modifications on a trial basis. But just 31,000 modifications have been made permanent.

That’s a success rate of just 1%. This means that up to 99% of eligible homeowners struggling with their mortgage payments have been unable thus far to modify their loans.

The fact is that the only party that benefits from a mortgage modification is the Bank itself! Here are the main reasons why Mortgage Modifications flat out do not work.

1. The sad fact is that banks are simply debt collectors. They are not in the business of helping Americans. They will only modify your loan if they see a benefit.
2. Most modifications don’t really relive a truly distressed homeowner. A fix of a few hundred bucks a month won’t usually help someone keep their home. In most cases once a modification is successful the borrower ends up defaulting less than 6 months later. Most modifications come with a clause that you only get one!

The great news is that Wall Street has found a way to make a profit from this mess and believe it or not the homeowner can actually benefit.

According to the New York Times

Wall St. Finds Profits by Reducing Mortgages with Principal Reductions!

Investment funds are buying billions of dollars’ worth of home loans, discounted from the loans’ original value. Then, in what might seem an act of charity, the funds are helping homeowners by reducing the size of the loans.

But as part of these deals, the mortgages are being refinanced through lenders that work with government agencies like the Federal Housing Administration. This enables the funds to pocket sizable profits by reselling new, government-insured loans to other federal agencies, which then bundle the mortgages into securities for sale to investors.

While homeowners save money, the arrangement shifts nearly all the risk for the loans to the federal government — and, ultimately, taxpayers — at a time when Americans are falling behind on their mortgage payments in record numbers.

The bottom line is that in many cases a homeowner can get a Mortgage Principal Reduction down to 60% of the current appraised value. That is right 60% of the current appraised value! This program if you qualify can

1. Help a homeowner keep their home
2. Lower payments
3. Establish instant equity in their current property
4. Give the homeowner the ability to SELL the home if needed.

Now there are guidelines and you must be qualified. If you would like to see if you qualify please get in touch with us anytime.

Connect with Jason Online!

Facebook | Twitter | LinkedIn | Come to an Event

Until Next time Here is to your success! Jason Wheeler 925-285-2172

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Popular Financing Programs in Contra Costa Bay Area Real Estate.

Presented by Jason Wheeler

If you are thinking about a purchase a new home you should know that the Federal Tax Credit of $8,000 to first time home buyers is due to expire in April of 2010. Get crackin and buy something! When was the last time in history you could buy a home at these prices get a loan under 5% and have the government pay you $8,000 to do it? These are truly unique times we are in.

Did you know that Contra Costa County is releasing 6 Billion dollars this month for the Mortgage Credit Certificate Program? This is s huge opportunity for your borrowers to take advantage of a little known government program that can save thousands each year!

Check out the newest and hottest loan programs and let me know if you would like to see if you fit into any of them. We were locking rates in this week at around 4.75% on a 30 Year Fixed with no points this week!

Hot Loan Programs at a Snapshot

You can look at weekly rate trends Here.

Three Real Estate Investor Events This Week!

Investor Forum in Bay Area CA RSVP Here!

Join us and learn from a ton of Real Estate Entrepreneurs and Investors that are helping people like you create massive wealth in Real Estate TODAY!!. This will be a packed event where you will learn nuts and bolts Real Estate Investment knowledge to take advantage of what is happening in the market RIGHT NOW!

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