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  • Conventional 97% LTV Program: Buy a Home with 3% Down.

    Mar

    19

    | Buy Home Conventional Loan FHA FHA, Conventional Loan, Refinance, VA Loan Home Loan Loan Officer Mortgage Mortgages VA Loan | Blog contribuor
    Conventional 97% LTV Program: Buy a Home with 3% Down.

    Original written by: http://mymortgageinsider.com/conventional-97-ltv-program/ Home buying just got a lot easier. Fannie Mae and Freddie Mac, the country’s two main mortgage rule setting agencies, now allow home purchases with just a 3% down payment. The new 97% loan-to-value (LTV) purchase program allows homebuyers to purchase a single family home, condo, co-op, or PUD without coming up with a full 5% down payment as previous guidelines mandated. The changes went into effect December 13, 2014. Now that conventional 3% down loans are a reality, buyers have a real alternative to FHA. [...]

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    Millennials can finally afford homes with new mortgage rules

    Mar

    18

    | Buy Home Conventional Loan FHA FHA, Conventional Loan, Refinance, VA Loan Home Loan Loan Officer Mortgage Mortgages VA Loan | Blog contribuor

    Original article from: http://www.marketwatch.com/story/new-mortgage-rules-help-millennial-home-buyers-2015-01-28 First-time home buyers, many of them millennials, will receive some long-awaited mortgage assistance this year thanks to recent moves in Washington. The administration earlier this month cut the premium that borrowers with a Federal Housing Administration loan must pay for mortgage insurance to 0.85% from 1.35%. The half a percentage point reduction will reduce the cost of the average FHA loan by about $1,000 per year. Meanwhile, Fannie Mae and Freddie Mac last month [...]

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    Going From Renting to Buying

    Mar

    14

    | Buy Home Conventional Loan FHA FHA, Conventional Loan, Refinance, VA Loan Home Loan Loan Officer Mortgage Mortgages VA Loan | Blog contribuor

    Original written by: https://www.redfin.com/blog/2014/06/going-from-renting-to-buying-a-home.html#.VhLLJBOb5sM So you’ve decided it’s time to leave the world of renting and buy a home. If you’ve always rented, you’re in for quite a few changes as you look to buy. Here are five things to look out for as you start the process of buying a home. Get Your Credit in Check Before you start dreaming about white picket fences or painting the walls your favorite color, you need to make sure you have a credit score that will make the banks want to give you a mortgage. In general, the higher [...]

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  • Testimonials

    Dave & Stacey P

    When making a major purchase like a new home, it is in your best interest to find a professional who can help you all the way thru the process. Nancy has always been the best experience. She has helped us with several home mortgages over the years. Nancy has always answered all of our questions clearly, concisely and in a timely manner. Throughout the home buying process it can be stressful and intimidating, so it is always nice to work with someone who goes far and beyond what is expected of them. I will most definitely continue to refer friends and family to Nancy Williams.
    5.0
    2014-11-21T00:17:00+00:00
    When making a major purchase like a new home, it is in your best interest to find a professional who can help you all the way thru the process. Nancy has always been the best experience. She has helped us with several home mortgages over the years. Nancy has always answered all of our questions clearly, concisely and in a timely manner. Throughout the home buying process it can be stressful and intimidating, so it is always nice to work with someone who goes far and beyond what is expected of them. I will most definitely continue to refer friends and family to Nancy Williams.
    http://mortgagesbynancywilliams.com/testimonials/dave-stacey-p/

    Jon & Katie

    Thank you very much for your patience and hard work with Jon & I. The Scentsy warmer looks great in our kitchen! Thanks again!
    5.0
    2014-11-20T01:38:29+00:00
    Thank you very much for your patience and hard work with Jon & I. The Scentsy warmer looks great in our kitchen! Thanks again!
    http://mortgagesbynancywilliams.com/testimonials/rogan-shelby/

    Phil & Michelle W.

    Words can't explain how much we appreciate all you did for us. You made our dream come through when no other lender could. You went above and beyond the norm, excepting our calls after hours in the late night and early mornings. You sat down with us and got to know who we were as a couple. We could never repay you for your honesty, dedication and commitment to us in the process of buying our dream home. We will definitely send business your way now and in the future.
    5.0
    2014-11-20T01:40:23+00:00
    Words can't explain how much we appreciate all you did for us. You made our dream come through when no other lender could. You went above and beyond the norm, excepting our calls after hours in the late night and early mornings. You sat down with us and got to know who we were as a couple. We could never repay you for your honesty, dedication and commitment to us in the process of buying our dream home. We will definitely send business your way now and in the future.
    http://mortgagesbynancywilliams.com/testimonials/phil-michelle-w/
    5.0
    3

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    Nancy Williams, Asst. Vice President/
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    618-410-4629
    nwilliams@gershman.com
     
    630 Pierce Blvd., Ste. 100 O'Fallon, IL 62269
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    Illinois Department of Financial & Professional Regulation-Division of Banking
    100 West Randolph, 9th Floor
    Chicago, IL 60601
    312-793-3000
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