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House Smart Realty, LLC
Connie Jurey

317-446-2559

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New Information

USDA Direct
You May Qualify
This program is income based.  Recipants can get a 33 year loan as low as 1% interest.  There is no PMI, No Down Payment required.  This program does not use a mortgage company. Contact me to tell you more!!! 
Download a printable example of USDA Direct
USDA DIRECT


Tax Credit & USDA Financing
The first time home buyer tax credit and the credit for those who had owned homes for at least 5 years and sold them has run out!  So far there has been no word on future programs becoming available.

Some programs with USDA Financing has also expired.  The industry is hoping the program will be replenished sometime this fall. 

Tax Benefits

There is still good reason to buy a home or at least get your credit in order to purchase within the next few months.  Home prices are still low and interest rates are also low.  Talk to your accountant or call me for details on the tax deductions you may be eligible for when purchasing a home.



USDA

You can still check for homes that will be eligible for USDA financing once it's reinstated.  Click below to check specific addresses.


(click)  
  USDA Qualification Basics:
 
1.  Home has to be located in a USDA area (rural area), you can look up any home on the USDA website (above).
 
2.  Income limits apply.  Income for a family up to 4 people cannot exceed around $70,000 per year.  You can find out more on the USDA website (above).
 
3.  The home has to be your primary residence.
 
4.  You must occupy the home for certain period of time
 
5.  The funding fee for USDA is less than FHA or VA.
 
6.  There is no upfront Mortgage Insurance.
 
7.  There are no monthly Mortgage Insurance fees.
 
8.  The loan is guaranteed not insured like FHA or a Conventional loan.
 
9.   You can finance up to 103% 
 
10.  If the home appraises for the amount of the loan, there is no down payment required. 

Mortgage calculators to calculate your payments

                                        
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my credit and employment history through an authorized mortgage lender.

Your credit report will not be obtained until a mortgage representative contacts you.

Equal Housing Opportunity

Disclaimer
This website is intended to assist readers by providing information on real estate matters. We have made strong efforts to supply accurate information; however, we cannot guarantee the timeliness, accuracy or completeness of this information, or information found on other websites we link to.

 

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