Why FHA with Doug Heide and Heidesert Mortgage

For some potential homeowners, including first-time homebuyers, flexibility in mortgage options is essential to accessing homeownership. A possible option that offers that flexibility is a loan through the Federal Housing Administration (FHA).

An FHA loan offers an affordable option with some lenience on qualification terms. FHA loans are ensured by the Federal Housing Administration to support homeownership and help more people get into homes.

Features of an FHA loan can include:

• A low down payment - as little as 3.5%

• Flexible income and credit guidelines

• The ability to use down payment gifts from family members, employers or persons with whom the borrower has a long standing, close (family type) relationship

• Sellers may contribute up to six (6) percent on your closing costs, if negotiated with the seller

• Availability of different loan terms including fixed and adjustable-rate loans

• 100% financing (ask for details)

Many people think that FHA loans are exclusively for first-time buyers, but that’s not the case. There are many FHA options for repeat buyers. FHA loans are often marketed at first-time buyers because of the low down payment requirements and more flexible credit requirements.
So if you’re a first-time buyer, or a repeat buyer, thinking that homeownership is out of your reach because you have a low down payment available, think again.  Call Doug, a trusted mortgage professional to see what your options might be to fit your financial situation.

Call - 760/963-1643 or visit our website - www.heidesertmortgage.com 

Your Home Buying Journey with Doug Heide

On the path towards home ownership, you’ll go through these important steps:

1. A confidential personal consultation with Doug and Heidesert Mortgage (proud member of the Evergreen Home Loans team). Visit www.heidesertmortgage.com for more information or to apply online.
2. Getting preapproved* and selecting our  Security Plus Seller Guarantee™ for added confidence
3. Working with a real estate professional to help you find a home and have the offer accepted. Ask us for recommendations.
4. The home is inspected by the person you choose
5. The lender orders a home appraisal and title
6. An Evergreen underwriter reviews the final loan documents and if qualified, gives approval
7. You and the seller sign closing documents with an escrow company
8. The loan funds and title is recorded at the courthouse
9. Move in!

Buying your next home is more challenging in 2016 than ever.  Regulations and guidelines are constantly changing.  You need the help of an experienced team to work with you from the preapproval process to that exciting moment when you move into your new home.  Doug and his team will be with you every step of the way and beyond.

This will be the beginning of a life long relationship!

Call - 760/963-1643 or visit our website - www.heidesertmortgage.com

* Preapproval is not a commitment to lend and is subject to satisfactory loan conditions including a completed application and property appraisal. Other terms and restrictions apply. Not all products available.

Prepare Yourself For The Home Buying Season with our Security Plus Seller Guarantee™

　Prepare Yourself For The Home Buying Season

The Heidesert Mortgage team is a member of the Evergreen Home Loans Family.  With over 20 years of experience in the mortgage business Doug Heide is confident that he can make your experience purchasing a home comfortable and enjoyable.  Find out how our Evergreen Security Plus Seller Guarantee™ can make your home purchase experience more enjoyable and productive.

In our current housing market, a strong offer can mean the difference between winning or losing a bidding war. As we head into home buying season and inventory becomes tighter, you’ll want to be prepared to have every advantage. You might be surprised to learn your offer could be the strongest offer on the table, even when it’s not the highest. A seller wants to be sure the buyer is ready to move and may not want to wait for another buyer to get approved or risk a loan approval falling through.

With the Evergreen Security Plus Seller Guarantee™, once you are qualified you’ll receive a fully-approved loan amount before you even find your dream home. This means you’ll have a firm, underwritten approval that’s guaranteed or we pay the seller $1000*.

Being prepared, gathering information upfront and arming yourself with the right tools can give you an edge and some peace of mind. Give us a call today for more information on how we can work together as the home buying season heats up.

Call - 760/963-1643 or visit our website - www.heidesertmortgage.com


* Applies to purchase loans only. To qualify, buyer’s Security Plus Approval/Seller Guarantee Addendum must have been issued by Evergreen and the Seller shall have executed the addendum with their signature at the time they execute the Purchase And Sale Agreement on subject property. Certain loan types do not qualify for this offer. Restrictions apply. Ask for details