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Tis the Season…for Dreaded Taxes! (But Here's Some Help) 2012 Tax Transcripts When 2012 income is used to qualify borrowers and tax returns are required, the following documentation must be provided: 2012 Tax Transcripts (if not available the following documentation is required) 2012 Tax Returns and 2012 Transcripts must be ordered and if not available a copy of IRS Notice Showing “No Record of Return Filed” must be provided and Documented Acknowledgement Receipt (e.g. IRS Officially Stamped Tax Returns or evidence the return was electronically received) from...Continue Reading!
Market Update: More Proof - Now is the time to Buy or Refinance Mortgage Rates are on the Rise! Freddie Mac’s weekly mortgage rate survey reported last week’s 30-year fixed rate nationwide average at 3.35%, which is one quarter-percent point higher than the all-time low that happened last November. Mortgage Bankers Association predicts in its annual rate forecast that the 30-year fixed will increase to 4.40% in 2013 (more than a full percentage point higher than January of this year). This high increase...Continue Reading!
Options for Underwater Home Owners HARP 2.0, or Home Affordable Refinance Program, has been available to U.S. homeowners as of March 17, 2012. If you're underwater on your conforming, conventional mortgage, you may be eligible to refinance without paying down principal and without having to pay mortgage insurance. The initial version of HARP was started in April, 2009. The program is also known as the Making Home Affordable plan, the Obama Refi Plan, DU RefiPlus, and Relief Refinance, or Open Access. In...Continue Reading!
In the Market for a New Home? Are you or someone you know currently looking to purchase a new house? Follow Access Real Estate Lending on Pinterest. We have great new property listings for Butte County and surrounding areas! Each listing flyer has housing payment information as well as Realtor contact information. Be sure to follow us so you can stay updated with new listings as well as other tidbits and ideas for the home. What to Subscribe To: Get Our Twitter Updates Get...Continue Reading!