When Credit Scores Get in the Way

Alliance Home Mortgage is proud to announce our Credit Score Modification system.  We are having incredible success bumping up credit scores to the level that people now qualifying for incredible loans. Client X just they other day came in with a score of 585.  Unfortunately with this score they did not qualify for a loan, but at Alliance, our Credit Score Modification system was able to bring their score above 640 qualifying them for a great loan. Has this happened to you, maybe a client, or a family member?  Let Alliance help you get qualified now. •           Alliance can help you qualify when our competitors can't! •           Our tools help people raise there scores with all three credit bureaus. •           Important credit manipulation offered when applying for 100% loans, VA, FHA, and conventional. Let us help you find the right loan for any unique situation. Learn more today at www.AllianceHomeMtg.com or call us now at (606) 878-6000.   Sunday, February 23, 2014 USDA Loans: Now Available to Millions The USDA changed rules in 2009 that makes millions of Americans eligible for its rural mortgage programs. The American dream of home ownership has become more difficult as families struggle to come up with the 20% down payment that many conventional home loans require. With the USDA loan many are still able to get a zero down home loan. Do I Qualify for a USDA Loan? In the past USDA Loans were often call "farmers loans" but times have changed. Almost anyone outside of a major metropolitan area looking to purchase a home can qualify for a USDA loan. Eligibility varies based on area, your income, credit history, and number of dependents claimed so it's important that you call and speak with one of our experts to see if you qualify. Zero money down and 100% financing is available USDA loans come directly from the federal government or from government approved and backed lenders You can have lower monthly payments with terms up to 38 years Bad credit can qualify Low income families can qualify  USDA Loans are for: New Home Pre-existing home Condominium Townhouse Land and the cost of building a home Commercial property Farms and equipment  Learn more at www.alliancehomemtg.com/USDA_loans.php Monday, February 3, 2014 ALLIANCE HOME MORTGAGE CORPORATION Kentucky's Premier Home Mortgage Specialists.  Serving the communities of London, Corbin, Williamsburg, Barbourville, Berea, Somerset, Richmond, Lexington, Georgetown, Nicholasville, Louisville and all KY. ALLIANCE IS A BETTER PLACE TO BORROW At Alliance Home Mortgage Corporation, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We are partnered with a very large lender in Polaris Home Funding, and also retain the ability to provide additional loan programs through other outside investors as well.  We have a full range of loan programs that we will make sure fits your needs perfectly, while offering low fixed rates.  We will give you the one on one attention and service that you deserve.  Our level of service far exceeds the closest competitor. ALLIANCE WILL BE THERE FOR YOU THE WHOLE WAY With Alliance Home you have a friendly support team ready to help you the whole way through the loan process.  Our staff has over 40+ years of combined experience to make Alliance Home Funding the most highly experienced mortgage lending team in our area.   We encourage you to discover why thousands of people have chosen Alliance for their personal mortgage lending needs, and why they continue to refer their friends and family to us as well. ALLIANCE HAS A PROGRAM THAT WILL MEET YOUR NEEDS At Alliance Home Mortgage Corporation we work very hard to deliver highly competitive loans. We provide great fixed rates such as: 30yr mortgage, 20yr mortgage, 15yr mortgage, 10yr mortgage. Our loan programs consist of Conventional loans, FHA loans, USDA (RHS/Rural Housing) loans, and VA loans.  We may even get you approved for one of our streamline programs which may not even require an appraisal and very little closing costs. Whether your situation calls for Owner Occupied, Non-Owner Occupied (Investor/Rental Property) or Multi-Family properties, we'll fit your needs! We feel that our level of professionalism and customer service will far surpass any banks in the area like Community Trust, Cumberland Valley Bank or Forcht Bank, simply because we don’t “close” we are available via cell anytime, evening or weekends.  We offer a versatile line of loans that meet your needs.  Perhaps you've heard of Quicken loans, Benchmark, or those other online companies?  They can't offer the level of commitment, customer service, and community oriented partnership that our Alliance staff can offer you!  We hope you choose to apply with Alliance today! Purchasing a Home If you're like most people, purchasing a home is probably one of the biggest investments you'll ever make in your lifetime. If you're considering buying a home, you're likely aware of the complexity of the endeavor. Because of the numerous factors to consider when purchasing a home, it's important to prepare as best you can. At Alliance Home Mortgage Corporation, we are dedicated to finding the loan that fits your individual needs . Getting Started today . . . Rent Versus Buy Calculator Click Here to compare renting versus buying Documents You Will Need Click Here to see what you'll need Ready to Get Your Loan Click Here to Apply Now Sunday, December 29, 2013 Important Fall Update from Alliance Can you feel it in the air? Everything is about to change! As we head into Fall 2013, there are a few very important updates that we would like to share with you. Rates are inching down for the short term. It's a good time to get in with your loan during this short drop in rates. Fall means that housing prices are dropping, and sellers more willing to come down that during peak months. There are lots of houses on the market. It is very much a buyers market and combined with our better rates, there is no better time to call!   You don't need to wait 60-90 days on your loan when we can get almost all loans done in 30 days or less!! Alliance Home Mortgage Corporation can offer the most competitive rates, and just as importantly, the attention and availability your clients deserve. When you refer to us, we represent you with professional services and the ability to lock in rates fast. Call us now at 606.878.6000 or visit online at www.AllianceHomeMtg.com FHA loans have been helping people become homeowners since 1934. Some benefits of FHA loans are: Low down payments Low closing costs   Easy credit qualifying Your down payment can be as low as 3.5% of the purchase price, and most of your closing costs and fees can be included in the loan. Available on 1-4 unit properties. Want a fixer-upper? FHA has a loan that allows you to buy a home, fix it up, and include all the costs in one loan. Or, if you own a home that you want to re-model or repair, you can refinance what you owe and add the cost of repairs - all in one loan. Learn more online. . . Subscribe to: Posts (Atom) Blog Archive ▼  2014 (4) ▼  April (1) When Credit Scores Get in the Way ►  February (3) ►  2013 (1) ►  December (1) About Me Unknown View my complete profile Simple theme. Powered by Blogger.