Ron Withers's Page

SHIP (State Housing Initiatives Partnership) Down-Payment Assistance Application(Osceola County, Kissimmee, Saint Cloud, Poinciana and other communities) period will begin on October 6, 2008 and will end on October 31, 2008.

In order to obtain an application for assistance, the following requirements must be met:

12hr - First Time Homebuyer's Education Certificate (provided by Osceola County Extension Services)
Current Pre-approval Letter from one of Osceola County's Participating Lenders (no… Continue

There was a time when there were a number of mortgage financing programs/options that were available for 100% financing. Those days are gone...for the most part. Currently there are only two (2) remaining true 100% financing programs in the mortgage marketplace. They are VA loans (for military veterans with a Certificate of Eligibility) and the USDA Rural Housing loans. You do not have to be classified as a first-time homebuyer for these programs.

In additonal to the above, the equivalent of 10… Continue

This post is for consumers/homebuyers, Real Estate Professionals and Mortgage Professionals that may not have a good working knowledge of the features and benefits of the US Department of Agriculture's Guaranteed Rural Housing program. Over the years I have done a number of these loans and have come to believe that it is one of the most under-utilized mortgage loan programs in the United States. It has many flexible features not found in Conventional and FHA loans.

For those real estate and mor… Continue