Barclay Butler Financial Inc.

March 14, 2023

How long after starting a new job can I get a home loan?

It depends on if you had a job gap (time off between jobs) and how long the job gap was. You could have a job gap for many reasons, laid off, fired, maternity or left for a new job. If your job gap was over 6 months than you will have to wait until you have 6 months on your […]

203- K mortgage 0 50 sec read

March 14, 2023

You can buy a home 2 yrs. after your Ch. 7 bankruptcy is discharged.

If you declared chapter 7 bankruptcy you only need to wait 2 years from the date of discharge to buy a home. It is very important to rebuild your credit with 3 secured credit cards right after your bankruptcy has been filed. When your 2 years seasoning on the bankruptcy is up you will have great credit again. Then you […]

203- K mortgage 0 37 sec read

March 14, 2023

Why you should use a real estate professional, to buy or sell a home.

Real estate professionals know more about the houses and the surrounding area. You will save time and money when you use a real estate professional. Here are the benefits when buying a home: Has the most information in one place about what is on the market, including homes listed by other professionals. You won’t waste time looking at unsuitable homes. […]

203- K mortgage 0 1 min read

March 14, 2023

Support Deputy Maness/Family

This is a post that is not related to the mortgage business but I felt like I needed to spread the word. This happened about 3 miles from my house. My name is Lauren, and as many of you may know I am the step-daughter of Deputy Maness; the male officer was shot and put in critical condition on […]

Blog 0 2 min read

March 14, 2023

Zero down payment with a 580 credit score.

You can buy a home with zero percent down with a 580 credit score. We will cover your down payment of 3.5%. We will verify your income but we will not collect tax returns if you are not self employed. If you are self employed we will require your last 2 years of tax returns. The maximum debt ratios are […]

Automated underwriting 0 34 sec read

March 14, 2023

Conventional loan or FHA loan which is better for me?

A lot of people ask me which loan should I get. My answer is it depends on your situation. Both FHA & conventional loans are good loans. Here are the main reasons to use either Conv. or FHA loan. FHA- If you have lower income and want to put down only 3.5%. If your credit score is below 660. […]

203- K mortgage 0 1 min read

March 14, 2023

VA home loans down to a 500 credit score.

A VA home loan is either for a veteran, a soldier currently enlisted or a spouse of a deceased veteran. These loans allow for no down payment & no monthly mortgage insurance. These are fantastic loans if you are a veteran. A lot of veterans qualify for a VA loan and do not realize it. Most mortgage companies state you […]

All states 0 52 sec read

March 14, 2023

Mortgage company overlays helping or hurting home sales.

Most of the mortgage companies have overlays on their products. An overlay is an additional requirement added on top of a FHA, VA, or conventional mortgage guidelines. One example is FHA allows down to a 580 credit score if you want to put down 3.5% down payment. 95% of the lenders state you must have a 640 credit score and […]

203- K mortgage 0 1 min read

March 14, 2023

Sub Prime mortgages are making a comeback in Florida.

Subprime mortgages are for people who cannot get an FHA, VA, or Conventional mortgage.Usually their credit scores are less than 550, or they recently had a foreclosure, short sale, deed in lieu of or a bankruptcy. Subprime mortgages do not care what your credit score is. Now a person can get a sub prime mortgage with as little as 10% […]

Bad Credit 0 42 sec read

March 14, 2023

Alternative Income mortgages are BACK.

It has been many years but alternative income loans are BACK. This loan is for a self-employed person who does not show all of their income on a tax return. If you are buying or refinancing a home and you are self employed this is the perfect mortgage for you. You can get this loan on your primary, second home […]

Bad Credit 0 45 sec read

How long after starting a new job can I get a home loan?

You can buy a home 2 yrs. after your Ch. 7 bankruptcy is discharged.

Why you should use a real estate professional, to buy or sell a home.

Support Deputy Maness/Family

Zero down payment with a 580 credit score.

Conventional loan or FHA loan which is better for me?

VA home loans down to a 500 credit score.

Mortgage company overlays helping or hurting home sales.

Sub Prime mortgages are making a comeback in Florida.

Alternative Income mortgages are BACK.

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