Newly remodeled! You will love this 3 bedroom, 2.5 bath home in Schanen Estates. Covered patio, spacious utility room, and attached 2 car garage. So many possibilities! IMPORTANT INFO HERE: We work with several companies who qualify as follows: NO MONEY DOWN 1. This program takes no money down but you need over 600 credit scores. Interest rate is a little higher...between 5 and 6 percent. 2. If you have a 640 mid score, make less than $68,000, they give 4% towards your down payment and some closing costs. If you have a 660 mid score, they will pay 6% towards down payment and closing costs. Interest rates run between 4.25% and 5%. 3. If you have over 600 scores and 5% down payment, this program does not include taxes and insurance in payment (this you will pay on our own). It is more money down but lower monthly payments. 4. If you have a 580 mid score and don’t have more than $2000 in collections, we have a program that will take 3.5% down payment. If you have more than $2000 collections, they will take 5% of total collections and add to your monthly bills which means you will qualify for a less price house. NOTE: All these programs require that you have been working same type of job for one year, two years tax returns, one month pay check stubs and copy of driver’s license. If you are self employed: You need to be in same type of work for two years and show two years tax returns with enough income to qualify after your company deductions. Some personal questions I will need to know when you call: 1. What's your credit score look like? If you don’t know, we can pull credit for you. 2. What monthly house payment you are wanting. Currently our homes monthly payment are from $1300 - $1500 month WITH taxes and insurance. 3. Do you have any money saved for down payment; if so, how much. 4. How long have you been at your job and what do you make hourly/salary including overtime hours you work weekly? 5. If you are legally married please tell me wife/hubby info too) We are able to pull credit and decide which program you qualify for based on your credit score, income and collections. If you do qualify, we require $1,000 earnest money in cashier check. This money goes towards your closing costs. We currently have two 3 bedrooms and a 4 bedroom at the moment. All homes are located off Saratoga between Staples and Weber. You can contact me at 960-6565. I take calls from 10:00 a.m. to 10:00 p.m. Rose and Jan Qualia
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