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WIN $1000 BUCKS!!
Look for the link above.
Get Pre-Approved Today
Hello my name is Matthew Thomas, a Sr. Mortgage Loan Officer at Custom Financial Services. My goal is to make you a customer for life! How do I do this? I can accomplish this goal by treating each and every one of my clients the way I would like to be treated with honesty and respect. Also Custom Financial Services stays on top of the latest mortgage technologies to make your mortgage experience run smoothly. Some things you may find useful are our fully loaded real estate glossary, over 10 different mortgage calculators, automatic email updates on the progress of your loan in process, your own personal login to this site, plenty of updated information on the market, and much much more. We serve all of California and Georgia with top of the line customer service. Mortgages are our specialty! The best place for your home loan is Custom Financial Services.
Todays market is constantly moving. Lenders are changing guidelines everyday. Let us, the mortgage professionals at Custom Financial Services, help you make the right decision on which loan will be a custom fit to you and your situation and when to lock in your new home loan. Fannie Mae and Freddie Mac, two government agencies, have made it tougher to purchase and refinance your homes. So now is the time to keep you credit in excellent condition. 680 and up is the key to acquiring any loan you want, once you drops below this number it becomes more difficult. That number used to be 620 but these government agencies have raised the bar. But there is still hope! If you have credit issues we can help you improve your scores.
Sincerely Yours,
Matthew Thomas
DO YOU KNOW ABOUT FHA?
FHA Loans Facilitate Home Ownership
 The Federal Housing Administration (FHA) program first began in 1934 in an effort to encourage home ownership despite the difficult economic times of the era. The program enables consumers who may not qualify for a standard loan to obtain the financing they need to purchase a home without income limitations.
FHA loans differ from typical loans in that they are insured by the Federal Housing Administration, which is a part of the Department of Housing and Urban Development (HUD). Because this insurance reduces the lender's risk on the loan, lenders have greater flexibility with regard to approving loans. For example, FHA loans are not credit-score driven, so a client may be able to obtain a loan despite having had credit problems or even a bankruptcy in the past. Alternati vely, if a consumer does not have a traditional credit history, it is still possible to obtain financing by documenting payment histories on items such as rent and utilities.
FHA loans also provide added flexibility when it comes to closing costs and the down payment. Many of the closing costs can be incorporated into the loan, and a down payment of less than 3% of the purchase price is required. The down payment may be obtained as a gift from a family member or through a down-payment assistance program. FHA loans are processed just like any other loan, and they provide a wonderful opportunity for consumers who are seeking to achieve home ownership!
So ask about a FHA loan today!!
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