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100% Financing Idea

I talk to people all the time who want to buy a home in the Austin area. It’s one of the strongest real estate markets in the country, and most people realize the many benefits of owning your own home. However, with mortgage rates and prices rising rapidly, some people think owning a home in Central Texas is becoming out of reach.

 

Many of the people I speak with think they need a lot of money to buy a house..20% or more! Depending on where you want to live, it may not take as much money as you think.

 

If you are willing to live just outside the city limits, there is a great 100% financing program you may not know about. It’s called the “U.S. Department of Agriculture Rural Development Loan” (USDA for short). It’s designed to help prospective homeowners get into a home of their own with very little cash. It offers 100% financing, and you can even roll the closing costs into the loan if the appraisal value allows it. This can be a great way to break in to the real estate market while prices are still relatively affordable.

 

Eligible areas around Austin for this great program include Florence, Liberty Hill, Jonestown/Lago Vista, Bee Cave, Dripping Springs, Driftwood, Hays Country, Cedar Creek, Bastrop, Manor/Elgin and the Hutto/Taylor area. Here is a link to the USDA eligibility map. Simply plug in a proposed address and it will show you if the property is eligible for 100% USDA financing.

 

https://eligibility.sc.egov.usda.gov.

 

This program does have certain parameters, requirements and limitations. For example, for a family of four or less in this area, you can’t make more than approximately $99,000 per year in total household income. There is also home buyer education required as part of the approval process. However, it’s a great option for people wanting to own a home without a big up front investment.

 

If you or someone you know would like to own a home without investing a lot of cash and you’re willing to drive a little further to do so, please let me know. I’d love the opportunity to talk and find out how this (or some of our other low-down payment loan options) might help. There’s no cost or obligation to talk and have me custom-design a path to home ownership for you. I love helping Texans find creative solutions to owning real estate!


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Please allow me to introduce you to my friend Paul Fuller

Paul is a friend of mine I’ve known for many years.

He is the owner of Paul’s Lawn and Landscape, and he has graciously offered a special discount service to my Everist Mortgage clients.

 

You may be interested in having some help mowing, edging and weed-trimming your yard. Or, you may have an interest in some landscaping or even an outdoor living area. Paul and his team are excellent and can handle all jobs, small to large.

 

Paul started mowing lawns in his neighborhood at the age of 14, pushing his lawnmower from house to house. Over the last 20 years, he has grown to a company that now has multiple crews, landscape designers, stone masons and full outdoor entertainment area capability.

 

I can highly recommend Paul and his team. They do a great job, are competitively priced, and conduct themselves with high integrity. Feel free to contact them to discuss any lawn maintenance or landscaping needs you may have.

 

Here are two special offers if you mention me and Everist Mortgage:

 

  • With a new mowing service contract, you’ll get the first mow¬†free ($45 value).

 

  • Free 1 hour yard cleanup ($125 value)

 

Here below is Paul’s contact information for more information. I hope this offer is helpful to you!

 

If I can help you or someone you know with trusted mortgage financing advice and counsel, I’d love the opportunity. Now is a great time to buy a home!

Thanks,
Michael

Paul’s Lawn & Landscape, LLC.
512-553-LAWN
www.paulslawnaustin.com


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Thank you!

Over the past 25 years that I have been helping people with mortgage financing in Central Texas, I have been blessed beyond measure by the support of wonderful clients and referral sources like you.
I could not continue in this industry without your trust and referrals, and I want to truly thank you.

 

Everist Mortgage has received the coveted Five Star Mortgage Professional Award again this year, making it 7 years total and 5 years consecutively. It is an honor to receive this recognition, and I do not take it for granted.We will be featured in the upcoming June issue of Texas Monthly Magazine.

 

For those that may not be familiar with this award, it is not a paid advertisement – it can’t be bought.
It also can’t be solicited – you must be nominated, and it is based on past customer satisfaction.

 

Out of over 2,075 mortgage originators in the greater Austin/San Antonio area, only 120 were chosen this year. This represents only the top 5.7% of the industry. Five Star is the largest and most widely-published mortgage award program in North America.

 

Five Star obtains a list of recent homebuyers in the area who secured a mortgage.
They contact them and ask them to rank their mortgage provider based on 5 criteria:

 

  1. Customer Service level
  2. Integrity
  3. Communication
  4. Product ad service options
  5. Overall Satisfaction – would you recommend to a friend?

 

Industry peers (Realtors, Title Companies, vendors) are then contacted to offer feedback and ranking of the candidates. Lastly, the candidates’ licensing and regulatory records are reviewed to see if there are any complaints, claims or other concerns.

 

It is a rigorous process, and one that I’m quite proud to have gone through successfully. I and my team couldn’t have done it without you. If you would like more details about the award review process and Five Star criteria, here is a link:

https://www.fivestarprofessional.com/spotlights/20523

 

I am truly grateful and want you to know that I strive to earn your continued trust and referrals to friends, family and coworkers. If you know anyone who plans to purchase or refinance a home, I’d love the opportunity to talk with them and give them Five Star service!


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