tag:blogger.com,1999:blog-4510036230457243842023-11-15T06:59:46.886-08:00Heidesert MortgageUpdates from Heidesert Mortgage and the mortgage industry.Anonymoushttp://www.blogger.com/profile/03095405867599664981noreply@blogger.comBlogger6125tag:blogger.com,1999:blog-451003623045724384.post-73745309195697938442016-08-16T13:52:00.000-07:002016-08-16T13:52:50.045-07:00<span style="color: black; font-family: "trebuchet ms" , sans-serif;"><strong><br /></strong></span><br />
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CONSTRUCTION LOANS OFFERED BY </h2>
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EVERGREEN HOME LOANS - HEIDESERT MORTGAGE</h2>
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<span style="font-family: "trebuchet ms" , sans-serif;">Heidesert Mortgage will finance the construction of your major remodel of a primary residence or second home. From buying the lot and providing construction financing to converting into a permanent mortgage, the One-Time Close Loan provides a smooth home building and buying process. Some of the valuable features of this loan include:</span><br />
<ul>
<li><span style="font-family: "trebuchet ms" , sans-serif;">No construction fee means you could save and possibly qualify for more. </span></li>
<li><span style="font-family: "trebuchet ms" , sans-serif;">Construction period of 6-12 months followed by 30/15-year fixed loan terms</span></li>
<li><span style="font-family: "trebuchet ms";">Our construction loans are conforming loans with as little as 10% down payment or equity</span></li>
<li><span style="font-family: "trebuchet ms" , sans-serif;">No individual draw or inspection fees</span></li>
<li><span style="font-family: "trebuchet ms" , sans-serif;">Owner occupied or second home</span></li>
<li><span style="font-family: "trebuchet ms" , sans-serif;">Detached single family residence (SFR and 2 unit transactions, manufactured homes are part of our Two-Step Close Construction Loans)</span></li>
<li><span style="font-family: "trebuchet ms" , sans-serif;">One set of closing costs</span></li>
<li><span style="font-family: "trebuchet ms" , sans-serif;">Monthly payments required at interest-only during construction period</span></li>
<li><span style="font-family: "trebuchet ms" , sans-serif;">After construction period, loan converts automatically to permanent financing</span></li>
<li><span style="font-family: "trebuchet ms" , sans-serif;">“Ceiling Rate” locked for up to 360 days – no upfront deposit required, <strong>interest rate float down allowed</strong></span></li>
<li><span style="font-family: "trebuchet ms" , sans-serif;">No charge to customer for monthly draw inspections during construction period</span></li>
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<span style="font-family: "trebuchet ms";">This is a great option for the construction of your next home or major remodeling of your current home.</span><br />
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<span style="font-family: "trebuchet ms";"><span style="font-family: "trebuchet ms" , "sans-serif"; font-size: 16pt;">You can start preparing for your new home today!<span style="mso-spacerun: yes;"> </span>Call Doug Heide about a Construction loan today – 760/963-1643 or visit <a href="http://www.heidesertmortgage.com/"><span style="color: blue;">www.heidesertmortgage.com</span></a> </span></span><br />
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<span style="font-family: "trebuchet ms";"><br /></span>Anonymoushttp://www.blogger.com/profile/03095405867599664981noreply@blogger.com0tag:blogger.com,1999:blog-451003623045724384.post-6895445217810287952016-04-20T10:39:00.004-07:002016-04-20T10:39:49.836-07:00<br />
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<em><b><span style="color: black; font-family: "arial" , "sans-serif"; font-size: large;">Doug Heide - Heidesert Mortgage </span></b></em></div>
<em><b><span style="color: black; font-family: "arial" , "sans-serif";"></span></b></em><br />
<em><b><span style="color: black; font-family: "arial" , "sans-serif";">How to
fact check the Internet</span></b></em><b><span style="color: black; font-family: "arial" , "sans-serif";"><o:p></o:p></span></b><br />
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<span style="color: black; font-family: "arial" , "sans-serif"; font-size: 11pt;">“Facts”
pop up on the Internet and often sound like they’re from a credible source.
Here’s how to check them.<o:p></o:p></span><br />
<br />
<em><b><span style="color: black; font-family: "arial" , "sans-serif"; font-size: 11pt;">Fishy headlines.</span></b></em><span style="color: black; font-family: "arial" , "sans-serif"; font-size: 11pt;"> Search the exact headline on
Bing or Google. If it’s fake, you’ll see links disputing it. Also check
Snopes.com and reported.ly.<br />
<em><b><span style="font-family: "arial" , "sans-serif";">Visit the site.</span></b></em>
Go to the source site and check the About tab. See if they’re politically
biased, satirical or a fake. Reputable sites have hyperlinks to backup
research. Fake sites don’t provide research and may contain spelling and
grammatical errors.<br />
<em><b><span style="font-family: "arial" , "sans-serif";">Search photos and videos.
</span></b></em>Right click on the suspicious item and save it to your desktop,
then drag it to the image or video search box on Google or Bing. This will
verify the subject and where it’s appeared.<br />
<em><b><span style="font-family: "arial" , "sans-serif";">Check the writer.</span></b></em>
Look on their Facebook and Twitter accounts for a blue checkmark verifying
occupation and identity.<br />
<em><b><span style="font-family: "arial" , "sans-serif";">Double check breaking
news.</span></b></em> These stories often misidentify people and misreport
what’s going on. Find a news outlet getting reports from its own people on the
scene, not from other sources, indicated by phrases like “we have reports
that...” and “we’re trying to confirm...”<br />
<em><b><span style="font-family: "arial" , "sans-serif";">Correct your own
mistakes.</span></b></em> If you post something you discover is untrue, delete
it, apologize and provide the facts. <br />
<em><b><span style="font-family: "arial" , "sans-serif";">Respectfully correct
others.</span></b></em> When friends or family share misinformation on social
media, gently tell them where they can find the right story.<br />
<em><b><span style="font-family: "arial" , "sans-serif";">Question all political
ads.</span></b></em> Companies can have a competitor’s ad pulled and demand
proof of the claims made. This doesn’t happen in political advertising, where
anything can be claimed with no proof required.<o:p></o:p></span><br />
<span style="color: black; font-family: "arial" , "sans-serif"; font-size: 11pt;">Here’s to getting your
facts straight, online and off, as you keep putting together your best year
ever... Enjoy a great month! </span><br />
<span style="font-family: Arial;"></span><br />
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<strong>Call - 760/963-1643 or visit our website - </strong><a href="http://www.heidesertmortgage.com/"><span style="color: #992211;"><strong>www.heidesertmortgage.com</strong></span></a>Anonymoushttp://www.blogger.com/profile/03095405867599664981noreply@blogger.com0tag:blogger.com,1999:blog-451003623045724384.post-62235198665713572462016-04-13T10:05:00.003-07:002016-04-13T10:05:42.049-07:00<br />
<div align="center" class="MsoNormalCxSpFirst" style="line-height: normal; margin: 1em 0px; text-align: center;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "trebuchet ms" , "sans-serif"; font-size: 20pt;">BRIDGE LOANS</span></b></div>
<div align="center" class="MsoNormalCxSpLast" style="line-height: normal; margin: 1em 0px; text-align: center;">
<b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;"><span style="color: red; font-family: "trebuchet ms" , "sans-serif"; font-size: 16pt;">Buyers can purchase a home before selling their current home with a
Bridge Loan<o:p></o:p></span></i></b></div>
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<span style="font-family: "trebuchet ms" , "sans-serif"; font-size: 14pt;">Heidesert
Mortgage with Evergreen Home Loans offers a complete home financing solution.
Here’s some information we think you should know: </span></div>
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<span style="font-family: "trebuchet ms" , "sans-serif"; font-size: 14pt;"><o:p> </o:p></span></div>
<span style="font-family: "symbol"; font-size: 14pt;"><span style="mso-list: Ignore;"><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-family: "trebuchet ms" , "sans-serif"; font-size: 14pt;">Your buyers
can purchase a home before selling their current home with a bridge loan from
Evergreen. <o:p></o:p></span><br />
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<!--[if !supportLists]--><br />
<div class="Default" style="margin: 0in 0in 0pt 0.5in; mso-list: l0 level1 lfo1; text-indent: -0.25in;">
<span style="font-family: "symbol"; font-size: 14pt;"><span style="mso-list: Ignore;"><img alt="*" height="16" src="file:///C:/Users/dheide/AppData/Local/Temp/msohtmlclip1/01/clip_image001.gif" width="16" /><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-family: "trebuchet ms" , "sans-serif"; font-size: 14pt;">Available on
owner-occupied, second homes and investment properties<o:p></o:p></span></div>
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<div class="Default" style="margin: 0in 0in 0pt 0.5in; mso-list: l0 level1 lfo1; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="font-family: "symbol"; font-size: 14pt;"><span style="mso-list: Ignore;"><img alt="*" height="16" src="file:///C:/Users/dheide/AppData/Local/Temp/msohtmlclip1/01/clip_image001.gif" width="16" /><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-family: "trebuchet ms" , "sans-serif"; font-size: 14pt;">Maximum loan
amount is $417,000<o:p></o:p></span></div>
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<div class="Default" style="margin: 0in 0in 0pt 0.5in; mso-list: l0 level1 lfo1; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="font-family: "symbol"; font-size: 14pt;"><span style="mso-list: Ignore;"><img alt="*" height="16" src="file:///C:/Users/dheide/AppData/Local/Temp/msohtmlclip1/01/clip_image001.gif" width="16" /><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-family: "trebuchet ms" , "sans-serif"; font-size: 14pt;">For single
family properties and 2 to 4 units<o:p></o:p></span></div>
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<div class="Default" style="margin: 0in 0in 0pt 0.5in; mso-list: l0 level1 lfo1; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="font-family: "symbol"; font-size: 14pt;"><span style="mso-list: Ignore;"><img alt="*" height="16" src="file:///C:/Users/dheide/AppData/Local/Temp/msohtmlclip1/01/clip_image001.gif" width="16" /><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-family: "trebuchet ms" , "sans-serif"; font-size: 14pt;">Current
property must be listed prior to closing for a competitive market price to
facilitate a quick sale<o:p></o:p></span></div>
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<div class="Default" style="margin: 0in 0in 0pt 0.5in; mso-list: l0 level1 lfo1; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="font-family: "symbol"; font-size: 14pt;"><span style="mso-list: Ignore;"><img alt="*" height="16" src="file:///C:/Users/dheide/AppData/Local/Temp/msohtmlclip1/01/clip_image001.gif" width="16" /><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-family: "trebuchet ms" , "sans-serif"; font-size: 14pt;">Borrower must
qualify for a fixed-rate non-owner occupied refinance in the event the subject
property does not sell within 6 months<o:p></o:p></span></div>
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<div class="Default" style="margin: 0in 0in 0pt 0.5in; mso-list: l0 level1 lfo1; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="font-family: "symbol"; font-size: 14pt;"><span style="mso-list: Ignore;"><img alt="*" height="16" src="file:///C:/Users/dheide/AppData/Local/Temp/msohtmlclip1/01/clip_image001.gif" width="16" /><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-family: "trebuchet ms" , "sans-serif"; font-size: 14pt;">Full appraisal
is required<o:p></o:p></span></div>
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<div class="Default" style="margin: 0in 0in 0pt 0.5in; mso-list: l0 level1 lfo1; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="font-family: "symbol"; font-size: 14pt;"><span style="mso-list: Ignore;"><img alt="*" height="16" src="file:///C:/Users/dheide/AppData/Local/Temp/msohtmlclip1/01/clip_image001.gif" width="16" /><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-family: "trebuchet ms" , "sans-serif"; font-size: 14pt;">You must be
approved for the purchase of a new home with Heidesert Mortgage - Evergreen
Home Loans.<span style="mso-spacerun: yes;"> </span>The bridge loan closes
simultaneously with the new purchase transaction.</span></div>
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<span style="font-family: "trebuchet ms" , "sans-serif"; font-size: 14pt;"><o:p> </o:p></span></div>
<span style="font-family: "trebuchet ms" , "sans-serif"; font-size: 16pt;">You
can start looking for your new home today!<span style="mso-spacerun: yes;">
</span>Call Doug Heide about a bridge loan today – 760/963-1643 or visit <a href="http://www.heidesertmortgage.com/"><span style="color: blue;">www.heidesertmortgage.com</span></a> <o:p></o:p></span><br />
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<span style="font-family: "trebuchet ms" , "sans-serif"; font-size: 14pt;"><o:p> </o:p></span></div>
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Anonymoushttp://www.blogger.com/profile/03095405867599664981noreply@blogger.com0tag:blogger.com,1999:blog-451003623045724384.post-86967014890317671422016-03-29T09:30:00.000-07:002016-03-31T15:34:39.649-07:00<h2 style="text-align: center;">
Why FHA with Doug Heide and Heidesert Mortgage</h2>
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 <a href="http://portal.hud.gov/hudportal/HUD?src=/buying/loans">Federal Housing Administration (FHA)</a>.<br />
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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.<br />
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<strong>Features of an FHA loan can include:</strong><br />
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• A low down payment - as little as 3.5%<br />
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• Flexible income and credit guidelines<br />
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• 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<br />
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• Sellers may contribute up to six (6) percent on your closing costs, if negotiated with the seller<br />
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• Availability of different loan terms including fixed and adjustable-rate loans<br />
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• 100% financing (ask for details)<br />
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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.<br />
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. <a href="http://www.heidesertmortgage.com/loanOptions/Featured/FHA%20Loan/" target="_blank">Call Doug, a trusted mortgage professional</a> to see what your options might be to fit your financial situation.<br />
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Call - 760/963-1643 or visit our website - <a href="http://www.heidesertmortgage.com/"><span style="color: #992211;">www.heidesertmortgage.com</span></a> <br />
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<br />Anonymoushttp://www.blogger.com/profile/03095405867599664981noreply@blogger.com0tag:blogger.com,1999:blog-451003623045724384.post-36690775538041506452016-03-24T13:30:00.000-07:002016-03-29T13:21:11.916-07:00<h1 class="entry-title">
Your Home Buying Journey with Doug Heide</h1>
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On the path towards home ownership, you’ll go through these important steps:</div>
<div class="entry-content">
<ol>
<li>A confidential personal consultation with Doug and Heidesert Mortgage (proud member of the Evergreen Home Loans team). Visit <a href="http://www.heidesertmortgage.com/">www.heidesertmortgage.com</a> for more information or to apply online.</li>
<li>Getting preapproved* and selecting our <a href="http://www.heidesertmortgage.com/loanOptions/Featured/Our%20Guaranteed%20Approval%3A%20The%20Security%20Plus%20Seller%20GuaranteeTM/" target="_blank">Security Plus Seller Guarantee™</a> for added confidence</li>
<li>Working with a real estate professional to help you find a home and have the offer accepted. Ask us for recommendations.</li>
<li>The home is inspected by the person you choose</li>
<li>The lender orders a home appraisal and title</li>
<li>An Evergreen underwriter reviews the final loan documents and if qualified, gives approval</li>
<li>You and the seller sign closing documents with an escrow company</li>
<li>The loan funds and title is recorded at the courthouse</li>
<li>Move in!</li>
</ol>
</div>
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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.<br />
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This will be the beginning of a life long relationship!<br />
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Call - 760/963-1643 or visit our website - <a href="http://www.heidesertmortgage.com/"><span style="color: #992211;">www.heidesertmortgage.com</span></a><br />
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* 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.Anonymoushttp://www.blogger.com/profile/03095405867599664981noreply@blogger.com0tag:blogger.com,1999:blog-451003623045724384.post-6522581393575318542016-03-15T10:12:00.000-07:002016-03-15T10:24:25.897-07:00Prepare Yourself For The Home Buying Season with our Security Plus Seller Guarantee™<h2 style="text-align: center;">
Prepare Yourself For The Home Buying Season</h2>
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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.<br />
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<span style="font-size: small;">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. </span><br />
<span style="font-size: small;">
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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. <span style="color: red;">This means you’ll have a firm, underwritten approval that’s guaranteed or we pay the seller $1000*.</span> <br />
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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. </span><br />
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Call - 760/963-1643 or visit our website - <a href="http://www.heidesertmortgage.com/">www.heidesertmortgage.com</a><br />
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<br />
<span style="font-family: "myriad pro light cond" , "myriad pro light cond"; font-size: xx-small;"><span style="font-family: "myriad pro light cond" , "myriad pro light cond"; font-size: xx-small;">* 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 </span></span><br />
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Anonymoushttp://www.blogger.com/profile/03095405867599664981noreply@blogger.com0