Armstrong County, PA Real Estate News

By Keith Landis, Pennsylvania - "Your Pennsylvania Mortgage Source"
(Keystone Home Finance - NMLS#834342 - Conventional - FHA - VA -USDA - Jumbo Programs - Direct Phone 412-726-1654)
Looking to buy a home in Armstrong County, Pennsylvania?  You might want to make a quick check to see if you and the property are eligible for a Pennsylvania USDA Mortgage, also known as a Pennsylvania USDA Rural Development Loan. Here's Why...  USDA home loans offer a few benefits that other mortgage programs cannot match, including no down payment and financed closing cost. If the home appraisal allows, the closing costs can also be wrapped into the mortgage resulting in no money needed at the closing table. USDA is the only mortgage program that allows for all closing costs to be financed into the loan amount on a home purchase.  Interest rates for USDA mortgages are comparable and often lower than the low fixed rates of Conventional, FHA and VA financing. The USDA Mortgage program d...
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By Keith Landis, Pennsylvania - "Your Pennsylvania Mortgage Source"
(Keystone Home Finance - NMLS#834342 - Conventional - FHA - VA -USDA - Jumbo Programs - Direct Phone 412-726-1654)
Thinking about using your VA eligibility?  Obtaining a VA Mortgage in Armstrong County is a great way  to finance your next home or refinance your current home.  VA loans are mortgages that are guaranteed by the United States Department of Veteran's Affairs.   VA loans allow an eligible service member to get 100 percent financing on a home without having to pay for private mortgage insurance.  On most other types ofmortgage financing, if a purchaser borrows more than 80 percent of the value of a home, the lender requires him or her to purchase mortgage insurance. An eligible veteran can obtain 100 percent financing on a mortgage of up to $729,750, although the total may be lower in some states and counties. To determine the local loan limit, visit www.vamortgagecenter.com/va-loan-limits...
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By Jennifer Kladny
(Premier Servicing Company, LLC)
  Dear Friend:  DO YOU REMEMBER WHEN LIFE WAS GOOD?  When we began building our lives and families with so much hope, excitement and joy for the future.  It was certainly hard to imagine that good, honest, hard working people like you and me could end up losing everything, but it is happening every day to us, our families and neighbors.  Recent times have brought much stress and turmoil to our once secure financial lives.  Sometimes it is difficult for us to know who really wants to help us or who wants to cheat us. We decided we would do whatever we could to help people out of this situation, as no one deserves the humiliation and pain that you are experiencing. The truth is, we not only want to help you, we can help you.  You’re probably wondering why we want to help you.  It is simpl...
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By Jennifer Kladny
(Premier Servicing Company, LLC)
  So Your Ready to Buy a House?  Now What? You've made your decision and are ready to pursue homeownership.  What's next? EDUCATE YOURSELF!   Check your credit:  Your credit history is going to determine what kind of loan you qualify for and what kind of interest rate you are going to pay.   You can check your credit for free through each of the 3 bureaus every 12 months.  Stagger your inquiries so you are checking your credit through one of the 3 bureaus every 3 or 4 months.  You can look at your credit report by visiting annualcreditreport.com.If you don't like what you see on your credit, here are 10 FREE Ways to Improve Your Credit Score and Raise Your Fico STARTING TODAY Decide what you can comfortably spend each month on a mortgage payment:  Don't forget to take taxes, insurance a...
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As a buyer, should I consider the Rural Housing Loan Program? As a seller, can my buyer possibly qualify for the Rural Housing Loan Program? The USDA's Guaranteed Rural Housing Loan is one of the best loan programs out there today.  It is a no down payment, 100% financing loan - the last one available.  Below is a list of quick ways to see if you or your buyers have a chance to qualify for this program.  These are the other factors that need to be considered as well. Don't worry if you can't qualify for this particular program.  There are many other low to no down payment programs available.  Contact me for more information.  Unacceptable Credit for the Guaranteed Rural Housing Loan  - UNLESS THE PROBLEM IS DEEMED BEYOND THE APPLICANT'S CONTROL (more on this below) NOTE: some or all of ...
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By Jennifer Kladny
(Premier Servicing Company, LLC)
Are you thinking about buying a house and have more time available than money?  Okay, I know, who really has too much of either?  But, if you are serious about purchasing a home in the near future, why not start making improvements to your credit history now so you can buy that home of your dreams soon?  A higher credit score almost always means a lower interest rate when purchasing a home (or anything else for that matter).  This means more money in your pocket instead of the banks! We all know the basics of improving your credit.  Pay your bills on time, don't max out your credit cards, pay past due accounts to date, etc.  Heard that a hundred times, right?  Here are 10 of the lesser known ways to increase your credit score and improve your credit rating FOR FREE - and the best part i...
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Guaranteed Rural Housing Loan - SIMPLY THE BEST! The 100% Financing USDA Rural Development Guaranteed No Down-Payment Loan Program is one of the best programs available to borrowers looking for homes in today's market (I specialize in the Armstrong County, Kittanning and Ford City areas).  Why, you may ask?  Let me go over a few of the highlights of this wonderful little gem!      Highlights of the Rural Housing Loan Program 100% Financing (no down payment required) - buyers are not required to put any of their own money into the deal No Mortgage Insurance (there is a one time 2% Guarantee Fee paid to Rural Housing that eliminate mortgage insurance).  This fee can be financed into the loan. No Prepayment Penalty on a 30 year fixed mortgage at rates better than those on conforming loans ...
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