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Bank Statement and Stated Income Homes

Details: 24 month business bank statements. Loans up to $3 million. DTI up to 50% considered. Owner-occupied, 2nd homes and investment properties. 2 years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu. Interest-only available. 1 year self-employed required. No tax returns required.

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Imagination Age Mortgage, Inc.

Details: Our goal is to act as a trusted advisor, providing highly personalized service and helping you through every step of the loan process – from application to closing and beyond. It’s all designed to exceed expectations, provide satisfaction and earn trust. Request A Quote (888) 934-6634 [email protected]

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100 Percent Home Loan, No Down Payment Mortgage

Details: Borrowers’ ability to repay can be proven by traditional full documentation methods (e.g. W2s and tax returns) or by personal bank statements. Call us today for a free consultation – (888) 934-6634

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Home Renovation Loan Options

Details: Home Renovation Loans. At IA Mortgage we offer a wide variety of home renovation loan options including FHA’s popular 203K programs, VA & USDA one-time-close loans, Fannie Mae’s HomeStyle Loan, and a VA Renovation product. Whether you are looking to purchase a distressed property, a fixer-upper, an older home in need of some repairs, or are

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First Time Home Buyer

Details: We put YOU first. Imagination Age Mortgage, Inc. offers some of the most competitive rates in the Nation! Fast and efficient, we close most of our loans in 30 days or less. We offer a variety of loans. Imagination Age Mortgage, Inc. can help you find the loan that is right for you!!! Step 1 of 11. 9%.

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Mortgage 1 Day Out of Bankruptcy, Foreclosure, or …

Details: Get a Home Loan 1 Day Out of Bankruptcy, Foreclosure, or Short Sale. In the past it could take up to 4 to 7 years before a borrower could qualify for a mortgage after a foreclosure, short sale or bankruptcy.

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Fix & Flip and New Construction Lines of Credit for

Details: Lines of credit for multiple transactions. Funding for up to 75% of land value, 95% of construction budget, 75% LTV. Loan amounts from $150K-$2.55 million. Single loans available for first time investors. Individuals, limited partnerships, corporations or LLC allowed. Min 620 credit.

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Finding a Lender or Broker When Buying a House

Details: If your lender or broker cannot give you a detailed estimate of your mortgage terms, including your interest rate, loan duration, and required down payment, it’s time to look for someone else. Often your rate will not lock in until a later date in the process, but you should have a good idea before you decide to proceed.

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Understanding Your Amortization Schedule

Details: This prompts the bank to recalculate how much interest you will pay based on your new (lower) loan balance, which creates a new amortization schedule. You can do those calculations yourself using online tools to see just how big an impact making extra principal payments can have.

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Using Unexpected Income for Your Home

Details: If you find yourself with extra money in your bank account courtesy of something like the government-issued COVID checks or tax return from the IRS, it may be tempting to use it to purchase a new gadget or go on a shopping spree. Here are a few ways you …

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When to Consider a Second Mortgage (And When to …

Details: Over half of American homeowners financed their home purchase and have a mortgage. Banks and lenders like this arrangement because they earn money in the form of interest payments when they loan money to buyers. Buyers like it because they…

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What Are Points in Real Estate

Details: Points are a fee that a borrower pays to the lender to get a lower interest rate. One point costs one percent of your overall mortgage amount. You will pay this fee up front, but secure a lower interest rate for the rest of your payoff period (often 15 or 30 years). This can result in savings over the long-term, even though you pay more initially.

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Fix & Flip and New Construction Lines of Credit for

Details: Loan amounts from $150K-$2.55 million. Single loans available for first time investors. Individuals, limited partnerships, corporations or LLC allowed. Min 620 credit. Allowable properties include non-owner occupied – single family homes, 2-4 unit homes, condos, townhomes, and multi-family up to 20 units. We also offer fix and flip loans!

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I’m in Escrow! What now

Details: This is where escrow comes in. Escrow means that any money you have set aside for the purchase is held by a third-party, often the title company, until the purchase is completed. By holding your funds in escrow, it ensures that the seller gets paid and you get the deed to the home simultaneously. The time that you are “in escrow” can vary

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What the Title Agent Does during Your New Home …

Details: The title to a property is the document that shows who actually owns it. If you have a car loan, chances are the bank’s name is on the title until the loan is paid. With a home, your name as the homeowner is on the title even if you have a mortgage. That means that the previous owner was previously on the title.

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Thank You Apply Now

Details: Thank You Apply Now - Imagination Age Mortgage, Inc. Thank you for submitting your information. We will be in touch shortly. If you have any immediate questions, …

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How is a Letter of Intent Different From an Offer on a

Details: The path to owning property starts with a very important document while outlines the proposed sale terms from the buyer to the seller. Submitting an offer is a big deal for both the buyer and seller, but looks a bit different in residential and commercial real estate.

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The Housing Market Going into Fall 2021

Details: A few key factors have intensified the housing market in 2021. The COVID-19 pandemic and guidelines to stay home have led to residents looking for homes that could accommodate their new work-from-home lifestyles. A decrease in sale inventory over the…

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What’s the Difference between a Real Estate Agent and …

Details: The main difference between an agent and a broker is their experience and required education. Both licenses are state-specific and each state has its own requirements for pre-licensing education, years of experience, and exams. Typically, new real …

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Fixed Rate Mortgage

Details: Imagination Age Mortgage, Inc. offers some of the most competitive rates in the Nation! Fast and efficient, we close most of our loans in 30 days or less. We offer a variety of loans. Imagination Age Mortgage, Inc. can help you find the loan that is right for you!!!

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What Does My Mortgage Interest Rate Mean

Details: The Federal Reserve Bank and U.S. Treasury look at how and where people in the United States are spending money. When they set lower interest rates on things like credit cards, car loans, and other short-term items, it has a trickle down effect to longer-term products. Mortgages, which are usually 15 or 30 years, can offer lower interest rates

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Mold 101: What to Know and What to Do If You Have …

Details: Scott Little has been helping individuals and families with housing and mortgage solutions for over 20 years. He brings with him to IA Mortgage years of experience in home construction and real estate brokerage knowledge, all of which give him the ability to share comprehensive, in-depth market knowledge with his clients.

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Mortgage Calculator

Details: Disclaimer: Results received from this calculator are designed for comparative purposes only, and accuracy is not guaranteed. Imagination Age Mortgage, Inc. does not guarantee the accuracy of any information or inputs by users of the software.

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What is Private Mortgage Insurance

Details: The one that many new homeowners use is to get a loan from a traditional bank or credit union, called a mortgage. But what if you aren’t ready to provide a large down payment on a home purchase? This is where Private Mortgage Insurance can help you qualify.

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Questions to Ask Your Mortgage Lender

Details: A good lender will be able to discuss in detail different types of mortgages that you may be able to use. Many homebuyers are familiar with a conventional mortgage, which requires a 20% down payment. But you may qualify for other programs, such as FHA or VA loans. Your lender should be able to discuss these options.

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What You Need to Know about the VA Loan

Details: In order to use the VA loan, the applicant must be: A current military service member who has served at least 90 days on active duty. A Veteran who served at least 24 months on active duty. A National Guard or Reserve military member who served at least 6 years. Meets one of the special criteria for spouses of MIA/POW service members, Veterans

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Understanding Mortgage Points

Details: Scott Little has been helping individuals and families with housing and mortgage solutions for over 20 years. He brings with him to IA Mortgage years of experience in home construction and real estate brokerage knowledge, all of which give him the ability to share comprehensive, in-depth market knowledge with his clients.

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Pros and Cons of Interest-Only Loans

Details: 1.Principal: This is the amount of money you are borrowing. 2. Interest: This is the amount of money you are paying to borrow, usually a percentage of the overall sales price. 3. Taxes: This goes to your local and state government to pay for public services and utilities. Taxes can vary by state, city, and even neighborhood.

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Privacy Statement California

Details: A name, signature, Social Security number, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, or other financial information. Some personal information included in this category may overlap with other categories.

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Great experience with a difficult loan

Details: Great experience with a difficult loan - Imagination Age Mortgage, Inc. We recently purchased a home on property that had several features making it difficult to lend on. Scott was up for the challenge and got us the home of our dreams! We couldn’t be happier with the communication and expertise Scott provided.

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How much equity do I have in my home

Details: The rest goes towards interest (what you pay the bank for loaning you the money), taxes, and insurance. Equity is the amount of ownership that you have in your home, or the amount of principal that you have paid off. If you have paid down half of the principal, you have 50% equity. Once you have paid off the loan entirely, you have 100% equity

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Buying a Home: How to Get from Offer to Closing

Details: If you’re new to the home-buying game, you have probably been bombarded with new terms. Escrow, home warranty, inspection contingency—one of the most important terms to know and understand is “closing.” What is closing? Closing is an appointment, most often…

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Creating a Modern Day Homestead

Details: Beginning to homestead doesn’t have to be a mystery. Start small, with something easy to keep up with like a small garden, and see if you are bit with the self-sufficiency bug. Once you decide to homestead, connect with a group to really put you on the path to …

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