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    International Realty Plus, REALTORS
    1227 South 31st Street Suite 100
    Temple, TX 76504
    (254) 742-1466
    (800) 488-7388
    (254) 742-1494 Fax
    robinhauck@aol.com


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    BUYERS!
    THE ADVICE HERE CAN BE WORTH THOUSANDS OF DOLLARS TO YOU!!!!!!!!!!!

    What is the interest rate?

    People ask that because they don't know anything else to ask. Sometimes they have heard on TV or the radio about really low interest rates, usually in the 5's. But those rates are just "teaser-rates" designed to get a phone call. Practically no one qualifies for those rates.

    The correct answer is this: "We are doing loans with rates between 5% and 8%. The rate you get depends on four things:

    1. The loan amount: Loan amounts of at least $150,000 always get better rates than smaller loans. We do not accept applications for loans below $80,000.

    2. Your credit score: You get three scores, one each from Experion (XPN), (Trans Union (TU), and Equifax (EFX). Lenders use the middle score. For example, if your XPN score is 640, your TU score is 680, and your EFX score is 635, lenders say your credit score is 640.

    It is difficult to get a loan approved if your credit score is below 620. The lenders may still do the loan, but they may require a larger down payment and they will increase your interest rate or closing costs to compensate for the low score. On the other hand, if your score is over 720, the lenders may lower down payment requirements and even decrease the interest rate that is offered!

    3. The loan program: Loans that are backed by Fannie Mae (most conventional loans), the Veteran's Administration (VA), or the Federal Housing Administration (FHA) have their own, unique loan programs. Those who qualify for these programs get guaranteed low rates, usually around 6 3/4 %, but those rates can go up or down depending on the credit score, the loan amount, the down payment, and the amount of reserves. Most programs allow the buyer to pay additional closing costs, called "discount points," to get really low interest rates, sometimes as low as 5%. That is called an "interest-rate buy-down."

    Different lenders, like Wells Fargo, Taylor Bean & Whitaker, and all of the 100 or so lenders we are agents for, all have their pet loan programs. We look at all the lender's programs and submit identical loan packages to the three we believe have the best programs to meet the needs of our clients. The client can then select their own loan program and interest rate.

    4. The amount of reserves: Reserves are a few months worth of house payments that can be used to make the payments for awhile if the borrower has some emergency and can't make their payment as usual. Reserves can be very important because if a borrower does not meet all the loan requirements to qualify for the loan, good reserves can be used as "Compensating Factors," meaning that the loan could still be approved. Lots of reserves can sometimes help qualify for a better loan program or even lower interest rates.

    Getting pre-qualified for a loan: There are literally hundreds of loans programs and their variants available through Texas Mortgage Company, our in-house mortgage brokerage. The best way to get a loan quote is to start with a basic loan application. This authorizes us to pull a credit report and to properly evaluate the application.

    As explained earlier, we usually come up with three loan programs from different lenders, explain the differences and benefits to our clients, and let the client select their loan program and interest rate. This guarantees that Texas Mortgage Company clients get the absolute best loan and the absolute lowest interest rate available anywhere in Texas by any lender or loan broker!

    Here's what we need for that application. Just copy this and past to your email brouser, fill in the blanks, and email it to robinhauck@aol.com: Or,print and fax the completed form to (254) 742-1494.

    1. Purpose of loan: (purchase a home or refinance an existing home mortgage). ________________________________

    2. Legal name of borrower (s). _____________________________________________

    3. Current address. _____________________________________________

    4. Place of work. _______________________________________________________

    5. How many years in that line of work? ____________________________________

    6. Total monthly income (before any deductions). __$________________________________

    7. Total amount of cash to work with, (include any retirement funds). Most retirement plans allow a portion of the fund to be used for down payment, closing costs, and always for reserves. __$_________________________________

    8. Social Security Number or Immigrant Work Permit Number. _________ ____ ____________

    9. Date of Birth. _________________

    10. Marital status, (married, divorced, widowed, single). Separated applicants are not eligible to apply. _______________



    Here are some homes that are available right now that you can buy now, finance through Texas Mortgage Company, and qualify for our EXCLUSIVE Home Buyer's Bailout Program!

    SALADO PARADISE! Lovely 5 bedroom on 5 acres in Salado ISD, with fantastic back-yard POOL! HOUSE REMINDS ONE OF THAT SOUTHERN MANSION IN "GONE WITH THE WIND" BUT WITHOUT ALL THE STRESS AND DRAMA. JUST A WONDERFUL PLACE TO LIVE. $379,000. SELLER WILL BUY DOWN YOUR INTEREST RATE!! Rebate: $2500.

    COOL POOL! Price REDUCED $40,000 on this wonderful 4 Bedroom, 4 Bath, Corner Lot, 2779 Square foot, Totally remodeled home on a quiet, residential street. It features a Privacy Fenced corner lot, lovely backyard with in-ground pool. There is a Nearby park, elementary, and middle school. $199,500. Rebate: $1995
    OTHER GREAT BUYS!

    HOG HEAVEN! THAT'S RIGHT. IF YOU WANT A ROOMY 4 BEDROOM, TWO BATH HOME WITH A HUGE AUTO WORKSHOP FOR ONLY $115,000, THIS IS IT! IMAGINE, EATING PECANS FROM YOUR OWN TREE, YOUR KIDS AND DOG PLAYING NEARBY, DRINKING A COLD COORS, WORKING ON YOUR CAR, AND NO ONE CAN SEE YOU! THAT'S HOG HEAVEN. Rebate: $1035.

    FORECLOSURE! Three Bedrooms home on a cul-de-sac. Nice, quiet, and convenient to everything. $102,000. $636.75 / month, 30 year loan (fixed-rate), 6.875% interest rate, 7.125% APR, $5,100 Down Payment. Taxes and property insurance extra. Rebate: $997.

    GOVT REPO! Four Bedrooms, Three Baths, Hulk-sized rooms. Walking distance to Belton schools. $135,000. $842.70 / month, 30 year loan,6.875% interest rate, 7.130% APR, $6750 Down Payment. Taxes and property insurance extra. Rebate: $2212

    SELLER PAYS CLOSING COSTS!!!! Very pretty Three Bedroom home, corner lot, fenced yard. $123,900. Three Bedrooms custom brick home needs new owner! Free refrigerator, washer and dryer. $783.33 / month, 30 year loan (fixed-rate), 6.5% interest rate, 6.75% APR, No Down Payment needed VA. Taxes and property insurance extra. Rebate: $2300

    Absolutely no credit needed. What? That's Right. NOOOOO CREDIT NEEDED!!!!!!!!! Three Bedrooms (split), custom brick home on a quiet cul-de-sac. Watch your kids walk to school, you're that close!! $5,000 down, $1075 per month. Lease-purchase. Must refinance at 5 years. The $5,000 is credited back to you for your down payment at that time. Rebate not available.

    HUBBA, HUBBA! Government-owned, Strikingly Beautiful Four Bedroom, Three Bath custom brick home in prestigous neighborhood. $249,900. ZERO Down Payment needed (VA). Special low interest rate at 6.25%, 6.59% APR, 30 year fixed-rate loan. Your monthly payment is only $1538.89. Taxes and property insurance are extra. Rebate: $2500

    FREE FORECLOSURE LIST. List includes all VA, BANK, MORTGAGE, HUD, REO, and ESTATE-owned properties. Click Here to View Listings HUD/VA/ BANK/ ESTATES/ CORPORATE TRANSFER/ CHURCH OWNED/Temple area. We commonly save our clients $5,000 to $15,000 on any home in the above foreclosure list. Call us NOW!!!!

    Contact Robin Hauck, GRI, Broker, US Army (Retired) at (254) 742-1466, (800) 488-7388, (254) 742-1494 (FAX), or email information request to robinhauck@aol.com.