USDA and 2011 feel'in good


USDA Loans

 Another great NO DOWN PAYMENT loan program that I offer...

USDA home loans offers a great alternative to home buyers. Highlights include:

  • Zero Down Payment
  • Up to 6% Seller Concession
  • Gift funds allowed
  • 640 required minimum credit
  • Except for Flagstaff and Prescott, most of northern AZ qualifies
  • $417,000 max. loan amount
  • There is a guarantee Fee of 3.5% that can be financed
  • Warning: USDA is tight on debt ratios at 29/41. Can go higher at underwriters discretion
  • Income limitations also apply - 115% of median income

USDA and VA are the only two loan programs that offer no down payment.




I Offer the Following Home Financing Options

  • Home Path Loans, 3% Down
  • Manufactured Home LoansFHA & Conventional Financing
  • USDA
  • Investor "Flip" Loans
  • Conventional Loans
  • FHA Loans
  • VA Loans up to $1.5 MILLION!
  • Jumbo Loans
  • Second / Vacation Home Loans
  • 1 - 4 Unit Investment Properties

Feel Good

In reflecting on 2010 and looking forward to 2011, now is a great time to set new goals for the upcoming new year. I invite you to ponder a new context for 2011 or a new primary goal: feeling good. Sounds simple but initially it ain't easy!

Waking up and having a cup of far today I can still manage to feel good. But what happens if I turn on TV? The drama, fear based input is amazing. Or the spouse, partner, kids or client (imagine!) get upset or push your buttons...remember your only goal is to feel good. It doesn't mean that you don't address an issue, rather it is all about the context in which you approach an issue. It is about responding instead of reacting. Its also about setting boundaries. Oh, and God forbid, a real estate transaction hits a snag - remember your only goal is to feel good :-).

If your primary goal is to feel good, I can guarantee two things for you in 2011. First, everything that you believe and have in you that doesn't feel good has to come up and out. This is when and where most people fail. They think their goal of feeling good isn't working but rather it is working intensely! This is where the s&*^ hits the fan. Knowing this, one can go through it rather than having it stop you. Then the beautiful next step is when everything in your life supports your feeling good. If your primary goal is to feel good, that is the energy you are putting out and that is the people, places, circumstances - energy that you are attracting back to you. Two laws of the can't fail!

Reflecting on 2010, I am grateful for the relationships I have created with all of you and look forward to new and deeper relationships in the coming year. A few months ago, I took on consciously feeling good every day. And yes there have been some really tough moments but my commitment and renewed desire for 2011 is to feel good.

Jim Hostler
Senior Mortgage Loan Consultant

Lenders Direct
a division of Gateway Business Bank

Direct: 928.225.7418

Fax: 928.527.7943

NMLS #6410200021