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ITIN Lending Program (Non-Citizen Lending) Nie trzeba posiadać obywatelstwa Stanów Zjednoczonych, aby dostać pożyczkę na dom. Dla wielu jest to zaskoczeniem, ale to prawda. Wystarczy zgłosić się do One Republic Mortgage i spełnić następujące wymagania: Dla kogo jest ten program? ITIN to inaczej Individual Taxpayer Identification Number, i jest to program dla posiadaczy tego numeru. Nie potrzebna jest Visa, Pozwolenie na pracę lub Zielona Karta Używamy alternatywnej dokumentacji zarobkowej. Słaba historia kredytowa, bankruptctwo, foreclosure, short-sale OK! Dla kupujących po raz pierwszy oraz dla inwestorów Podstawowe wymagania Ważny dokument tożsamości ze zdjęciem, Matricula Consular ID, lub paszport Wymagane 2 lata zatrudnienia w podobnym zawodzie (może być self-employed) Wymagane 2 lata rozliczeń podatkowych na numer ITIN Wpłata własna od 10% (część wpłaty może być darowizną) Po więcej informacji zadzwoń już dziś do Radka Czeszejko Sochackiego z ORM pod numerem telefonu 630-207-0980 #Mortgage #Lending

CHALLENGE: THE CONDO GAME! Currently, people that looking to purchase a condo need to be able to qualify for conventional financing if the condominium association is not FHA approved. Even with the new Fannie 97% LTV loan available, it has not helped the market as much. People still need to have great credit, plenty of assets, and a low debt-to-income ratio. Without the ability to take advantage of the leniency of the FHA loan, many buyers are out of luck. In order to purchase a condo with an FHA loan, the condo association must be approved by HUD. Statistically, thousands of condos that once had approved status with FHA are no longer approved, this standing was revoked in 2010!!! Condo associations had to reapply. This process is not an easy or inexpensive one, which has left a majority of condo associations unapproved. In turn, this means that sellers are out of luck and buyers are having a hard time finding financing for housing that they can afford. ACCEPTED: One Republic offers Spot Approval! FHA Spot approval is a process of getting one single condo approved for the sake of financing rather than the entire association. The approval process is significantly faster, easier, and more cost effective. This is a complete game changer, for sellers, buyers, agents, and lenders. Our team at One Republic can work directly with you and your buyers to ensure those tough condo deals can close. Call us, email us, visit us online! We are here to help. #Mortgage #Lending

Millennial home buyers have entered the housing market in a big way. As of 2015, Millennials surpassed Baby Boomers as the largest generational group in America, and they now make up the largest group of home buyers. As a real estate agent, marketing to Millennials should be among your top priorities as per Real Estate Express article suggested. You’ll want to begin building marketing campaigns that are specifically targeted toward this group. Understanding Millennial home buyers Sometimes labeled as “Generation Y,” Millennials are people born between the early 1980s and the early 2000s. They were projected to surpass 75.3 million people as a group in 2015. With the core group of Millennials between 18 to 34 years old, they are now within age ranges where they are most likely to need a place to either lease or purchase. Many of them (or at least those who can afford to do so) are beginning to buy their first homes and invest in real estate for the first time. When marketing to Millennials, consider these helpful statistics on Millennial home buyers and trends: 89% of Millennials would use a real estate agent. Yet, they may be harder to please compared to other generations. 63% of Millennial home sellers would use their agent again, or refer the same agent to another. These are the lowest percentages of any generations surveyed. 70% of Millennial home buyers would hire their agent again, or refer them to another. 45% to 50% of Millennials originally found their real estate agent through a friend or family member. Millennials are more into social media and texting than any generation ever. Yet, 75% of Millennials polled also like to be contacted by telephone calls. Millennials love the internet for communicating and finding real estate opportunities. Upwards of 94% of Millennials use online websites for home searches. 51% of Millennials later found the home they eventually purchased online first. Millennials utilize apps, but still rely on the wisdom of real estate agents, as noted by 87% of them eventually going to agents for assistance. How to connect with Millennial real estate prospects Millennials love their technology. They grew up with high-tech gadgets, desktop computers, and smart devices. When marketing to Millennials, know that they are more likely to respond to online marketing and communication efforts as opposed to newspaper ads, flyers, and postcards. Although you may have a physical office at your brokerage firm or at home, don’t forget to take advantage of an online virtual office, too. This will allow you to interact with prospective Millennial home buyers online—whether through social media, email, Skype, text alerts, or other means. Some of the most effective options for targeting Millennial home buyers (and others) are shareable blog posts and short videos posted on YouTube and Vine. Many agents today are writing their own blogs and posting videos from their smartphones onto social media sites that can be seen worldwide. As more people “Like” their video tours of home listings or share them on Facebook, Twitter, LinkedIn, Pinterest, Google Plus, Tumblr, or Instagram, the potential growth rate of viewers is almost limitless. In a wrap-up Marketing to Millennials may be challenging, but it’s worth the effort. To successfully grow your business as a realtor, remember to focus at least some of your advertising efforts toward this target market. Make an effort to connect with them in meaningful ways. Once you find the most qualified Millennial prospects, you can start building long-lasting relationships that will hopefully lead to lots of new referrals down the road. At One Republic Mortgage we are very experienced in new ways of how to properly market, create and track successful campaigns, and assist our valued real estate agent partners. Reach out to us, our marketing team will help you and you might be surprised on what products we offer this target group as well as all of your potential clients. Call us today (888)848-6065 #GoodTip #Lending #Mortgage #BusinessTips #RealEstate

5 facts about ITIN number that will help you close more loans (Non-Citizen Lending) 1. Down Payment as low as 10% a. If you ask people what is necessary to buy a home with ITIN, most experts will tell you a cash down payment of at least 20% is a key factor. This is old news if you ask us! Although this product is considered a high risk loan, ORM (One Republic Mortgage) will do it with as little as 10% down payment! b. The beauty of financing your ITIN loan with ORM is the NO PMI advantage. What does that mean for you and your borrowers? Client can be qualified for a higher loan amount with the lower mortgage payment Less money to closing table 2. Self-Employed 12-24 months Bank Statements Self-employed individuals are typically the hardest borrowers to get financed, because many business owners write off so much of their income, it looks like they’re bringing home next nothing. Clearly this isn’t always the case, but it’s the only thing the underwriters can use to prove income. With OMR’s amazing ITIN product we only need 12-24 months of bank statements to calculate income, and qualify your borrowers to buy their dream home. 3. Investment Properties​ A common misconception is, because a person has an ITIN, they cannot buy a second home or and investment property. Not the case with ORM, we can finance up to 8 properties including the primary residence. 4. 2-4 units Income generating properties can be used as income to qualify your clients for a higher purchase price. 5. Easy Identification​ a. Although most borrowers for the ITIN product do not have a state issue ID, we will close with the following identification. Consulate ID Passport from their home country ITIN issue letter #Mortgage #Lending

Co to jest? HUD (Housing and Urban Development) oferuję znaczną zachętę w postaci zniżki o 50% od ceny wywoławczej na wybrane nieruchomości w trakcie trwania loterii. Kto się kwalifikuję? Funcjonariusze organów ścigania Nauczyciele (żłobek do 12 klasy) Strażacy Ratownicy medyczni Jak działa program Wybrane domy jednorodzinne w specjalnych zonach programu rewitalizacji miasta wystawione są wyłącznie przez program „Dobrego Sąsiada”. Dostępne nieruchomości są dostępne do kupna przez 7 dni. Wymagania Pracować z agentem nieruchomościowym Mieszkać i pracować w zonie rewitalizacyjnej Okupować zakupioną nieruchomość przez okres 36 miesięcy Kupujący/lub małżonek nie może być poprzednim uczestnikiem programu „Dobry Sąsiad”​ Call us to learn more (888)848-6065 #Lending #Mortgage

Jak poradzić sobie z kupnem mieszkania z FHA? Obecnie, klienci szukający mieszkania do kupna muszą kwalifikować się na pożyczkę konwecjonalną jeżeli condo association nie jest jest akceptowane przez FHA. Nawet nowy programy Fannie 97% LTV nie był w stanie wystarczająco pomocny jeżeli chodzi o mieszkania. Potencjalni klienci nadal musieli posiadać dobrą historię kredytową, aktywa finansowe oraz niskie proporcje wydatków w stosunku do zarobków. Bez moliwosci skorzystania z przyjaźniejszych warunków pożyczki, które oferuje FHA wielu klientów zostawała na lodzie, bez możliwości kupna swojego M2. Jeżeli klient chcę kupić mieszkanie przy pomocy pożyczki FHA, condo association musi być zaaprobowane przez HUD. Statystycznie, tysiące mieszkań, które miało pozytywne opinie FHA, utraciło swoje aprobatę, a stało się to w 2010 roku! Żeby ponownie uzyskać akceptację, condo associations musiały ponownie złożyć aplikację. Process ten jednak nie był łatwy, ani tani, w związku z czym wiele osiedli nie starało się nawet ubiegać o ponowną aprobatę. Obecna sytuacja pozostawiła w kropce wielu sprzedających, oraz kupujących, którzy mieli problem ze znalezieniem finansowania. ZAAKCEPTOWANY: One Republic oferuję akceptację FHA na miejscu!​ FHA Spot Approval to proces, który oferuję możliwość wykupienia akceptacji FHA na konkretne mieszkanie, zamiast całe osiedle. Obdywa się to zdecydowanie szybciej oraz taniej dla klienta. Jest to unikatowy program, który zmienia obecny system sprzedaży/kupna mieszkań i pomaga zarówno kupującym, sprzedającym, agentom nieruchomościowym oraz pożyczkodawcom. Jeżeli masz jakiekolwiek pytania, lub Twoi klienci potrzebują pomocy przy kupnie mieszkania z wykorzystaniem pożyczki FHA, zawdzon teraz 630-207-0980 do Radka Czeszejko-Sochackiego. #Mortgage #Lending

Trends in the Growing Self-Employment Sector While self-employment can give you more freedom and great satisfaction, it can also add some real challenges when trying to buy a home. Self-employed will approach 33 percent of the workforce in the coming years. There is something life-affirming about a ten-second commute. Walking from your master bedroom to your home office every morning, you don’t have to deal with traffic, standing in line at Starbucks for that cup ‘o joe, or dressing for success. If you have a separate storefront or office, you can arrive and work with pride knowing you have created your own work environment. But there are drawbacks to being self-employed, especially when it comes to qualifying for a mortgage. Why? Because lenders have a tougher time assessing your income. Self-employed individuals who plan to buy a home are wise to strategize several years in advance. If you understand how lenders consider mortgage applications and self-employment income, you can take steps to make yourself more appealing. Let’s look at some general guidelines for making you look attractive to that entity who would make it possible for you to become a homeowner. Lenders are all about the risk they will be taking on when they look at your mortgage application. They want to make sure they'll be able to get back the money they lend you, so it's important that you show enough income to cover the mortgage payments easily. This isn't that hard when you have a regular job to go to and steady paycheck showing a pattern of healthy income. For a self-employed individual, however, income can fluctuate. One month may find you in the pink, making more investments in your business, and the next might see you struggling to pay your bills. It’s also important to know that lenders consider your income after deductions, which means you must be extra careful with write-offs, such as phone and internet services, office supplies, business trips, etc. While taking those deductions may help to lower your taxes, it also lowers your usable income in the eyes of mortgage lenders which, in turn, raises your debt-to-income ratio. That ratio is a measure of how much money you have coming in and going out each month. And don’t forget about that pesky credit score. It’s a measure of how responsible you've been with borrowed money in the past, and it’s of great importance to lenders. It's vital to keep your credit score as high as possible if you want to give yourself the best chance of getting approved. Call us today for advise and solution 888-855-7211 #RealEstate #Lending #Mortgage

If you ask a real estate agent when the best time to buy a home is, chances are the answer will always be “now.” As housing prices and mortgage rates start to tick up, the real estate agent’s advice may be right on target. How Much Is a $200,000 Mortgage? Housing Market Has Mostly Recovered It’s not just mortgage rates that are on the rise. Housing prices are also rising in most markets across the country. As prices rise, the Federal Housing Finance Agency recently increased the maximum conforming loan amount for mortgages that meet Fannie Mae and Freddie Mac guidelines in most areas of the country to $453,100, an increase from $424,100 in 2017. These loans, known as conforming mortgages, are considered less risky by banks, allowing them to offer a lower interest rate. Raising the conforming loan limit means more borrowers will be able to purchase a home without having to get a nonconforming—or jumbo—mortgage, which typically carries a higher interest rate. *Some info from Consumer Reports First-time starter home buyers First timer buyers are predicted to increase 4% through 2018 going into 2019. Nevertheless, of certain notice to your first-time buyers might be this bit of information, home construction will also grow over 7% during this time frame. How does this effect what’s currently on the market? Majority of first time home buyers are young, and in the market for smaller homes or condos. The major inventory of homes for the last several years has been dominated by higher-priced homes, and the fact of the matter is, it’s not always a match to satisfy market trends and needs. The new construction boom of condos and starter homes will address the balance in demand. High Home Prices Information gathered from S&P Corelogic and the Federal Housing Finance Administration (FHFA) states home price growth rate in major metropolitan areas have risen 6.2% across the nation. This is a terrific for homeowners, building faster value, equity build up, and terrific piggy bank position on real estate ownership. Home buyers, will have to spend more as the market grows, but according to realtor.com, we are on pace at a slower growth rate of 3%. This should hold and keep affordability. #BusinessTips #Mortgage #Lending #RealEstate

We at One Republic Mortgage have heard your calls for a more consolidated first time home buyer program! There are close to half a dozen purchase financing options we offer, below is a basic and quick summary for our new Conventional product. 620 minimum FICO Free Appraisal!!! (credit at closing) Up $2,500 closing cost credit from One Republic Primary Residences 3% min down payment Lower or no Private Mortgage Insurance Attractive Rates No limit on property locations After 3 years of no primary residence considered first time home buyer again Our team is very knowledgeable and highly motivated to speak with you and your clients to piece together basic and more challenging scenarios. We will love to be in touch and hope you contact us. ***Elite First Time Buyer mortgage is only available for primary residence purchase transactions, 1-4 unit properties. Customer may be eligible for the up to $2,500 credit when applying for an Elite First Time Buyer program, funds will be applied as lender credit on the CD. For down payments less than 20% on conventional loans, Mortgage Insurance (MI) may be required. Results of the mortgage affordability estimate/prequalification are guidelines; the estimate is not an application for credit and results do not guarantee loan approval or denial. All home lending products are subject to credit and property approval. Rates, program terms and conditions are subject to change without notice. Not all products are available in all states or for all amounts. Other restrictions and limitations apply. Terms and conditions may apply, contact to qualify your buyers call: 888.855.7211 email: info@onerepublicinc.com #Mortgage #BusinessTips #Lending

One Republic Mortgage wysłuchał waszych próśb, drodzy agenci oraz klienci! Z myślą o Was, stworzyliśmy skonsolidowany program kupna z wykorzystaniem naszych konwecjonalnych produktów. Poniżej przegląd najważniejszych punktów: • Minimum Fico – 620 • Darmowa wycena! (w formie kredytu przy zamknięciu) • Do $2500 kredytu na zakup nieruchmosci! • Minimum 3% wpłaty własnej • Niższe ubezpieczenie pożyczki (lub jego brak) • Atrakcyjne oprocentowanie • Brak limitu na lokalizację nieruchomości Jeżeli masz więcej pytań lub chciałbyś przeanalizować scenariusz swojego klienta, zadzwoń do naszego przedstawiciela mówiącego po polsku Radosława Czeszejko-Sochackiego pod numerem telefonu (630) 207-0980. ***Elite First Time Homebuyer jest dostępny tylko na kupno pierwszej posiadłości jako głównego miejsca zamieszkania (1-4 units). Kredyt na zakup nieruchomości jest udzialny w formie kredytu na CD. Na pożyczki z wpłatą poniżej 20%, ubezpieczenie pożyczki może być wymagane. Aplikacja nie gwarantuje pożyczki. Oprocentowanie, programy oraz warunki mogą ulec zmianie. Program nie jest dostępny w każdym stanie. Terms and conditions may apply, contact to qualify your buyers call: 888.855.7211 email: info@onerepublicinc.com #Mortgage #BusinessTips #Lending

One Republic Mortgage offers a variety of reduced documentation and alternative documentation loans for borrowers that cannot verify their income through traditional means such as bank statement loan program and assets as income loan program. BANK STATEMENT LOAN PROGRAMS. Our bank statement loan programs are designed for self-employed borrowers that are not able to verify their income with tax returns. We can verify deposits on business or personal bank statements for the last 12-24 months. ASSETS AS INCOME LOAN PROGRAMS. For borrowers that have significant liquid assets but do not show income can qualify for assets as income loan programs. No 4506T & Tax Returns are required. Reduced Documentation Loan Program Details 1. CPA letter (history + Income) & 2 months banks statements OR 2. CPA prepared P&L statement OR 3. Borrower prepared P&L Statement & 2 months bank statements OR 4. 12 Months personal or business bank statements Self-Employed & Wage‐Earners Only Purchase, R/T & Cash-out Refinance Owner Occupied, 2nd Home & Investment FR / PUD / Condo Primary & 2nd Home: 100% Gift Allowed First‐Time Home Buyers are allowed Our team is very knowledgeable and highly motivated to speak with you and your clients to piece together basic and more challenging scenarios. We will love to be in touch and hope you contact us. Terms and conditions may apply, contact to qualify your buyers call: 888.855.7211 email: info@onerepublicinc.com #Mortgage #BusinessTips #Lending

100% Financing Home Loans for New and Repeat Home Buyers. Do you have a client that wants to buy a home but doesn’t have the down payment? You’re not alone. 100% financing home loans are mortgages that finance the entire purchase price of a home, eliminating the need for a down payment. New and repeat home buyers are eligible for 100% financing through nationwide government-sponsored programs Qualifications - Fico 640 and above - 1-2 Units, SFH, Condo & PUD - 115% of Median Income - Previous BK are ok - Previous Foreclosure are ok - Maximum DTI Terms and conditions may apply, contact to qualify your buyers call: 888.855.7211 email: info@onerepublicinc.com #Mortgage #BusinessTips #Lending