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Credit Worthy

The Extended First Time Home Buyer Tax Credit

January 26, 2010
Extended Tax Credit in Denton County

There is really not a whole lot more that needs to be said that my other article here has not covered. Other than the dates, some changes to the income limits and the addition of the move-up buyer tax credit the 2010 credit is same. There is one advantage to those closing after November 7, 2009 that they would not have had prior — that is the Modified Adjusted Gross Income1 for qualifying person(s) being raised. The 2010 First Time Home Buyers

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FHA Housing Limit in Denton and surrounding counties of North Dallas Texas

March 9, 2009
FHA Update for Lewisville, Flower Mound and all of Denton County

What is the maximum FHA / Fannie Mae Mortgage amount for North Dallas? This is a question that gets asked of me, and searched for a lot I have noticed. Fortunately for explanations sake Denton, Tarrant, Collin and Dallas counties all share the same guidelines on the FHA / Fannie Mae loan limits. But, unfortunately finding a home in Dallas may be a little harder to find within the FHA1 limits. Denton County FHA Loan Limits 1-Unit 2-Unit 3-Unit 4-Unit Conforming Loan

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USDA Home Loans are the Real Deal for Denton County

February 12, 2009
USDA Rural Development Logo Thumb

Once again I find myself having to tout and sound the trumpets about the USDA Rural Development Guaranteed Housing Loan Program after another successful closing. Next to the article Buying a Home with the Texas Veterans Land Board Program (TVLB) it is the most read item on this little blog, but has generated the most emails and phone calls. I welcome these inquiries with open arms of course, and hope that continues — although I do wish more Tex Vets would be

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USDA Rural Development – Texas Guaranteed Housing Loan Program

December 24, 2008
USDA Rural Development Loan Program in North Texas

In this chapter of the Affordable Housing series of articles, I am going to try to bring a clear and accurate depiction of the benefits, purposes, and qualification guidelines for the U.S. Department of Agriculture Home Loan programs. The USDA website is actually quite easy to gather information from, but I found in order to get to specific geographic areas a borrower would have to click sometimes 4 or 5 directories deep in order to get the information sought.

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Path to home ownership…What makes a good FICO Score?

December 7, 2008
Credit Score Meter for a Mortgage Loan

The news has been riddled lately with stories of the power of a positive credit score, and what you can do with it. But, since my job as real estate agent is helping folks buy homes, and as a Texas Affordable Housing Specialist supporting home ownership retention – I am going to give a quick refresher on what makes good FICO score, and how to get one. What is FICO? -

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