Bossed by Brittani

05/17/2023

🤔🤔🤔Did you know that with USDA you can purchase a home WITH NO DOWN PAYMENT with a credit score of 580 as long as you meet the following guidelines:

✨No late rent payments over 30 days in the past 12 months

✨No late payments on your credit report in the past 12 months

✨2 tradelines on your credit report that have been or were opened for a minimum of 12 months

✨Mortgage payment of less than 29% of the borrowers' monthly gross income

✨All debts plus monthly mortgage payment of 41% or less than the borrower's monthly gross income

✨Meet household income limits of no more than $103,300 annually for 4 people or less or $136,600 for 5 people or less (higher in some higher-cost counties)

✨Purchase a home in a USDA-eligible area

You don’t always need a lot of money to buy a home, it’s ways around everything, you just need to be informed✊🏾

⚠️⚠️⚠️YOU ARE RESPONSIBLE FOR CLOSING COSTS UNLESS THE SELLER PAYS YOUR CLOSING COSTS‼️(Seller can pay up to 6% of home price)

💎💎💎If you put two people on the loan that gives you more income and qualifies you for more home, even if the second person has a score of 580, as long as you meet the qualifiers above, you can use a USDA loan‼️

04/19/2023

🤔Did you know that getting a 100% financing loan like VA and USDA actually doesn’t mean your monthly payment is a lot higher than putting money down like many think❓ For example, take a $300,000 home with a 7% interest rate, and assuming taxes and insurance are $208 per month(rates vary based on loan type too) below are some ESTIMATED PAYMENTS. Notice the two loans where you put 0 down.

FHA with 3.5% down: $2,300 monthly

USDA with 0 down: $2,311 monthly

VA with 0 down: $2,250 monthly

Conventional with 5% down: $2,351 (Mortgage insurance will affect this number based on credit score)

👆🏾👆🏾👆🏾I REPEAT THESE NUMBERS ARE ESTIMATES AND NOT REAL NUMBERS MANY DIFFERENT FACTORS PLAY A PART IN AN ACTUAL MORTGAGE PAYMENT🤗

🗣️🗣️🗣️Stop letting people tell you if you put no money down then your payment will be much higher. Imagine qualifying for both USDA and FHA and putting down $10,500 for FHA down payment only to have an $11 monthly payment difference with USDA and you could have kept your money and pay almost the same thing monthly 😱

One of the main reasons is because FHA and Conventional loans have mortgage insurance and VA and USDA have a funding and guarantee fee and they are less than the mortgage insurance on FHA and Conventional🫢

Tell me again why you haven’t bought a home yet, so I can tell you why you should😉
Bossed by Brittani

04/03/2023

Check this out!
Delco! 19064
4 Beds 2 Baths 1 Half Bath with Central Air, Firepit, Fireplace, off street parking, nice yard and MOVE IN READY!
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04/02/2023

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Montco! 19038
4 Beds 1 Bath 2 Half Baths with Central Air, Finished basement, off street parking, yard and MOVE IN READY!
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04/01/2023

You don't want to miss this!
Montco! 19038
4 Beds 2 Baths 1 Half Bath with Central Air, Fireplace, off street parking, big yard and MOVE IN READY!
DM me if you're ready check it out or even a different one! ? Bossed by Brittani

04/01/2023

Check this out!
Montco! 19036
4 Beds 2 Baths 1 Half Bath with Central Air, Fireplace, Finished basement, off street parking, yard and MOVE IN READY!
DM me if you're ready check it out or even a different one! ? Bossed by Brittani

03/30/2023

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Philly! 19134
4 Beds 2 Baths 1 Half Bath with Central Air, Finished basement, and MOVE IN READY!
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03/29/2023

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Philly! 19131
4 Beds 1 Bath 2 Half Baths with Central Air, Finished basement, Hardwood Floors, yard and MOVE IN READY!
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03/28/2023

Check this out!
Philly! 19036
4 Beds 3 Baths with Central Air, Finished basement, Roof Top Deck, yard and MOVE IN READY!
DM me if you're ready check it out or even a different one! ? Bossed by Brittani

03/08/2023

Check this out!
Delco! 19032
3 Beds 1 Bath 1 Half Bath with Large Deck, Finished basement, off street parking, yard and MOVE IN READY!

DM me if you're ready check it out or even a different one! ? Bossed by Brittani

02/14/2023