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    • Useful info / Finance / Insurance
    • 2024/06/26 (Wed)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Must See ！ ！ For First Time Home Buyers in California ！ ！

    About CalHFA]

    CalHFA is a program that helps first-time homebuyers to make buying easier.
    It provides loans for down payment （ Down Payment ） and other expenses （ necessary to make the loan ） Closing Cost .

    And this part of the loan does not have to be repaid until you sell the house or do a loan modification （ Refinance ）.
    （ Silent Second ） which is designed to make it easier to pay with lower monthly payments.

    The first condition for borrowers is Primary Residence Only, which can only be used to purchase a house to live in.
    And the borrower must be a First Home Buyer （ who has not been a homeowner for at least the past three years ）.

    There are income limits by County.
    （ Income Limit ） Must take Home buyer Education Counseling and obtain Certificate.

    [How To Apply]
    Apply only through a Mortgage Broker or Lender that handles CalHFA.
    Documents to be submitted are the same as for other loans.
    （ Pay Stubs, Bank Statement, Tax Return, Employment History, etc. ）

    First Mortgage is a Government Loan （ FHA, VA, USDA or Conventional Loan.

    Saving for a down payment can be a challenge. The part of the loan that serves as the down payment is the second mortgage, where the first and second loans are combined together,
    but as I mentioned before, you only need to make the first mortgage （ payment ） payment .

    CalHFA Goverment Loan （ FHA ） would be supported by this program for 3 ． 5% （ of the purchase price or the lower of the appraisal value ）.
    CalHFA Conventional Loans are supported at 3%.

    Closing Cost Assistance Program is called Zip.

    It is of course possible to get both this and a down payment, but the first mortgage rate will increase by about 1 ． 25%.
    This would increase your monthly repayments, so you would need to do a detailed calculation with your loan officer to determine this.

    Even if you purchase through one of these programs, this will not drag on for years, and
    California has a higher real estate appreciation rate than the rest of the country, so in 2 ， 3 years you will have Equity and be able to refinance your loan!

    Refinancing will also allow you to eliminate things like Mortgage Insurance that you had to pay because of a small down payment.
    While you are saving up for a down payment, the price of real estate will go up and up. It may be a good time to consider the buying options discussed here.

    There are many things about loans that are not clear.
    In such cases, please leave it to Mitsuko Miller.
    We provide accurate information so that Japanese people do not lose money without understanding about loans.

    Please feel free to contact us.

    ■ Director's Mgagee ≪ Mitsuko Miller∩ ）
    She has worked as a loan officer since 1993. Licensed in California, Oregon and Washington. Has clients throughout the U.S. and can respond to inquiries from Japan.

    14405 SE 36th Street, Suite 206, Bellevue, WA, 98006 US
    TEL : +1 (206) 679-3371

    If we are unable to answer your call, please use the "Send Message" below. If we are unable to answer your call, please contact us by clicking on "Send message" below.

    **************************************************************************************************************

    Currently this program is a lottery and we are not sure about the next one.
    We look forward to working with you to prepare for the next one ？ Please feel free to contact us ！

    **************************************************************** **********************************************

    住宅ローン家モーゲージ
    • Useful info / Finance / Insurance
    • 2024/06/26 (Wed)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    How to take advantage of the Reverse Mortgage, a loan program for seniors age 62 and older ？.

    Reverse mortgages are designed specifically for seniors age 62 and older. It lends against the difference ） between the Equity （ of your home （ minus your current mortgage ） if you have one , but unlike a regular loan, you do not have to make monthly payments. The only thing you have to pay is property tax and fire insurance. Even if you are paying off your mortgage, you are still paying these taxes and fire insurance, just like someone without a loan. The loan can be paid off when the house is sold. Until you sell it, you have 100% ownership of the property and it is treated the same as a regular loan. The loan can be modified as many times as you want, just like a regular loan.

    Below are some highlights of how you can take advantage of this.

    #1 You can use it to buy a house. As you get older, it can be intimidating to take on debt, but with a reverse mortgage you only need about half the down payment, depending on your age, and you don't have to use 100% cash. If you sell your current home and downsize, you can still keep half of the Cash on hand.

    #2 When you suddenly need cash, for example, a large sum of money for roof repairs, medical bills, or car repairs, problems happen when you least expect it. With a regular loan, monthly payments begin, but with a reverse mortgage, no payments occur. This program was created so that seniors can use their homeownership and not have to worry about money problems.

    #3 Increase your retirement income. We live in a world of fast-paced political and economic change. Even if you think you have a retirement plan in place, you can't help but feel anxious about the future. Recently, financial planners have begun to focus on this reverse mortgage. In addition to Social Security, you can also use a reverse mortgage to generate, for example, ＄ 1000 extra income each month. （ Unlike in the past, the FHA rules have improved and financial planners are now comfortable recommending this mortgage. The cost of the loan is now the same as a regular loan. ）

    Even if you have a loan on your home now, you can convert it to a reverse mortgage. Also, since the income is not paying off the loan, you will only be considered to be able to pay property taxes, fire insurance, and Home Owners Due （ ） if any. We would be happy to help you live a long and meaningful life. Please do not hesitate to contact us （ free of charge ） to discuss any concerns you may have about your own or your parents' retirement.



    There are many questions about loans.
    If you are in such a case, please leave it to Mitsuko Miller.
    We provide accurate information so that Japanese people do not lose money without understanding about loans.

    Please feel free to contact us.

    ■ Director's Mogege ≪ Mitsuko Miller∩ ）
    She has worked as a loan officer since 1993. Licensed in California, Oregon and Washington. Has clients throughout the U.S. and can respond to inquiries from Japan.

    14405 SE 36th Street, Suite 206, Bellevue, WA, 98006 US
    TEL : +1 (206) 679-3371

    If we are unable to answer your call, please use the "Send Message" below. If you are unable to answer the phone, please contact us by clicking on the "Send message" link below.

    • Introduction / Life / Housing
    • 2024/06/26 (Wed)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    ＜ Did you know ？ ＞ when you want to buy a house, the first thing you need is the documents from the loan company ！

    Most people, when buying a house, will first contact a real estate agent.
    Then you will be asked, "Do you have a Pre-approval Letter?

    ◎What is a Pre-approval Letter ？
    This is a document that the buyer of real estate can use to prove that he or she can go to a loan company for advice and obtain a loan.

    This Pre-approval Letter is the basis for the loan program, but in many cases it takes a long time to actually get a loan because of
    preparation of credit history and bank ・ statements.

    So, if you think "I want to buy a house soon," we recommend that you contact a loan company as soon as possible.

    At Director's Mortgage, we will introduce you to a mortgage company that will satisfy your ・ future plans.

    Buying a house is a big purchase in your life. You want to make a careful decision.

    If this is the case, please contact Mitsuko Miller.

    We provide accurate information so that Japanese people do not lose money without understanding about loans.

    Please feel free to contact us.

    ■ Director's Mogege ≪ Mitsuko Miller∩ ）
    She has worked as a loan officer since 1993. Licensed in California, Oregon and Washington. Has clients throughout the U.S. and can respond to inquiries from Japan.

    14405 SE 36th Street, Suite 206, Bellevue, WA, 98006 US
    TEL : +1 (206) 679-3371

    If we are unable to answer your call, please use the "Send Message" below. If you are unable to answer the phone, please contact us by clicking on the "Send message" link below.

    • Introduction / Life / Housing
    • 2024/05/31 (Fri)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    ＜ Did you know ？ ＞ when you want to buy a house, the first thing you need is the documents from the loan company ！

    Most people, when buying a house, will first contact a real estate agent.
    Then you will be asked, "Do you have a Pre-approval Letter?

    ◎What is a Pre-approval Letter ？
    This is a document that the buyer of real estate can use to prove that he or she can go to a loan company for advice and obtain a loan.

    This Pre-approval Letter is the basis for the loan program, but in many cases it takes a long time to actually get a loan because of
    preparation of credit history and bank ・ statements.

    So, if you think "I want to buy a house soon," we recommend that you contact a loan company as soon as possible.

    At Director's Mortgage, we will introduce you to a mortgage company that will satisfy your ・ future plans.

    Buying a house is a big purchase in your life. You want to make a careful decision.

    If this is the case, please contact Mitsuko Miller.

    We provide accurate information so that Japanese people do not lose money without understanding about loans.

    Please feel free to contact us.

    ■ Director's Mogege ≪ Mitsuko Miller∩ ）
    She has worked as a loan officer since 1993. Licensed in California, Oregon and Washington. Has clients throughout the U.S. and can respond to inquiries from Japan.

    14405 SE 36th Street, Suite 206, Bellevue, WA, 98006 US
    TEL : +1 (206) 679-3371

    If we are unable to answer your call, please use the "Send Message" below. If you are unable to answer the phone, please contact us by clicking on the "Send message" link below.