New Eco-Star Home? Can I afford it?

If you have a minimum credit score of 580 then absolutely yes.

As you know, it’s a sellers market and house prices have increased significantly. For what most property prices are being sold for you can buy brand new for as low as $161,000 (not including the lot). They will build on your lot, or you can chose one of theirs.

Certified eco-star energy efficient homes are not only cheaper than other properties to live in, they are high performance spacious, well laid and thought out floor plans and have many upgrades and appliances included that many builders charge extra for.

 SAVE MONEY NOW

SAVE EVEN MORE MONEY LATER

USE 1/2 THE ELECTRICITY OF TYPICAL HOMES IN AN ECO-STAR HIGH-PERFORMANCE HOME WITH BUILDING ENVELOPE ENGINEERED FOR 160 MPH WINDLOAD

    • Energy efficient heat pump water heating system
    • R-38 ceiling insulation
    • R-7 wall insulation with double furring strips
    • 16 SEER air-conditioning unit
    • Digital programmable thermostat
    • Solar powered attic ventilation fan
    • Radiant heat barrier between ceiling and roof
    • Kitchen and bath fans ventilated to outside
    • Air conditioner unit located in conditioned space
    • Pressure tight tested air ducting
    • LowE double pane windows
    • Deluxe energy star rated appliances
    • 100% energy efficient CFL lighting
    • 4 to 5 ceiling fan outlets as per plan
    • Sealed adhesive roof underlayment
  • Exceeds FPL BuildSmart specifications

FEATURES VARY BY LOCATION

Eco-Star High Efficiency Homes will save you half off your electricity bill.

According to the US Department of Energy, the HERS rating is 130 for the average used home and 100 for a new home.

The HERS rating for a typical High-Performance home is less than 60. This number is verified by an independent certified Energy Rate and it is less than half of the average used home (55% less).

Resale values of a High Efficiency home is greater than regular resale homes.

Saving money month after month along 

with Comfortable living!

I can help (depending on your credit score and financing options) get you into a brand new certified eco-star home, where your electricity bills are a fraction of what you pay now.

You will be impressed beyond belief.

Application:
When you are ready to apply for a loan, it will be easier for you and the lender to have these things ready.

Loan Checklist:

    • Address to your place of residence (past two years)
    • Social Security numbers
    • Names and location of your employers (past two years)
    • Gross monthly salary at your current job(s)
    • Pertinent information for all checking and savings accounts
    • Pertinent information for all open loans
    • Complete information for other real estate you own
    • Approximate value of all personal property
    • Certificate of Eligibility and DD-214 (for veterans only)
  • Current check stubs and your W-2 forms (past two years)
  • Personal tax returns (past two years), current income statement and business balance sheet for self-employed individuals
DISCLAIMER: We do not endorse any website that you click on, on our website. We want you to be fully informed of the process so that you can make an informed decision on what is right for you.

Information is not guaranteed over time due to Information changes without notice from the sources in this information. Please note the date of this information.

USDA Mortgage Loan (Residential)

Is a USDA (United States Department of Agriculture) Mortgage Loan right for me?

Very few people don’t know about the USDA Mortgage loan. Most go for FHA or conventional.

  • Conventional 5% to 20% down.
  • FHA 3.5% down.
  • VA 0% down.
  • USDA 0% down.

The USDA Loan is available to anyone that meets income and credit requirements.

USDA, or the United States Department of Agriculture, designed this loan to pull the population out of large metropolitan cites and into surrounding areas. USDA eligible properties are typically located outside of city limits, in suburbs or rural areas. The USDA Guaranteed Loan is not meant to finance farms rather they are geared towards the standard single-family home.

This zero-down, 100% financing home loan has income limits, and property eligibility requirements, however you don’t have to be a first time home buyer to take advantage of this great home mortgage option.

Another USDA Loan advantage is that the USDA Loan’s mortgage insurance fee is just 0.35% monthly – nearly half of what is charged on a conventional loan and a quarter of what is charged on FHA. There are no loan amount limits like FHA, instead the applicant’s income determines the maximum loan size. USDA Loans also allow for the buyer to roll their closing costs into the mortgage up to 100% of the appraised value of the home.

Copied and pasted from USDAloans.com website

  • Less than perfect credit score (No Problem)
  • Chapter 7 bankruptcy (No Problem after 3 years)
  • Chapter 13 bankruptcy (No Problem after 1 year)

To see if you qualify, and for more information, click on this link now.

https://www.usdaloans.com/

Application:
When you are ready to apply for a loan, it will be easier for you and the lender to have these things ready.

Loan Checklist:

    • Address to your place of residence (past two years)
    • Social Security numbers
    • Names and location of your employers (past two years)
    • Gross monthly salary at your current job(s)
    • Pertinent information for all checking and savings accounts
    • Pertinent information for all open loans
    • Complete information for other real estate you own
    • Approximate value of all personal property
    • Certificate of Eligibility and DD-214 (for veterans only)
  • Current check stubs and your W-2 forms (past two years)
  • Personal tax returns (past two years), current income statement and business balance sheet for self-employed individuals
DISCLAIMER: We do not endorse any website that you click on, on our website. We want you to be fully informed of the process so that you can make an informed decision on what is right for you.

Information is not guaranteed over time due to Information changes without notice from the sources in this information. Please note the date of this information.