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FHA
Loan Terms: 15 & 30 year loans
Loan Types: Purchase, Refinance
Interest Rate Types: Fixed, Adjustable
Property Type: Primary Residence
Only 3.5% down
Flexible qualification guidelines
Debt-to-income ratio as high as 55%
Requires upfront and monthly mortgage insurance (MI)
MI required for the entire life of the loan
Maximum loan limits vary by county
Allow for no cost, no qualifying “streamline” refinance
Fully filled out application
Most recent pay stubs covering a 30-day period of time
Two most recent years W2’s from all employers
Two most recent years personal tax returns with ALL pages and schedules
Two most recent years personal tax returns with ALL pages and schedules
If ownership in a business is 25% or more, then please provide the corresponding business tax return for the two most recent years
Two Most recent month’s bank statements
Most recent quarterly account statement of personal assets available (if applicable) such as:
401(k), IRA’s, or other retirement accounts
Copy of cash value life insurance policy statement
Mortgage statements on all financed homes properties
Kevin Clayson &
Steve Earl
DFY Real Estate, co-founded by Kevin Clayson and Steve Earl, empowers individuals to achieve financial independence through accessible real estate investing using their "Moneyball Real Estate System."
No Investment Advice: The information provided to you by us is for information, education and instructive purposes only. We are not a licensed investment advisor and do not intend to provide you any investment advice. Although we may provide information and education relating to real estate investment approaches and where to acquire real estate properties, you should not construe any information, features, tools or other content provided by us as legal, tax, investment or financial advice. We are not acting as agent for any entity offering its securities. Nothing contained in the materials or the presentations provided to you shall be taken by you (or is meant to be taken by you) as a solicitation, recommendation, endorsement or offer by us or any third party to buy or sell any securities or other financial instruments. You alone assume the sole responsibility of evaluating the merits and risks associated with the use of any information provided to you before making any decisions based on the information and services provided to you. In exchange for the services provided to you, you agree not to hold us or any of our employees or affiliates liable for any possible claim for damages arising from any decision you make based on information made available to you. No investment, legal or tax advice is given to you and you should consult your own licensed tax, legal or other advisors for such advice before you implement your financial decisions. No information that we give or provide to you shall be construed by you as a recommendation by us to invest the equity in your home or in any retirement or savings accounts. If you believe that any of our services provided to you are not consistent with the statements herein, contact us immediately so that we can clarify and/or modify any presentations to be consistent with this Agreement. You agree to indemnify us for any damages, losses or expenses that we incur as a result of any claims or statements by you that we provided services to you in violation of this section.
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