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Nick Barta - Top Mortgage Loan Originator
United States
เข้าร่วมเมื่อ 23 ม.ค. 2020
Empower your journey to homeownership with Nick Barta, one of the nation's top mortgage loan originators and Colorado's leader in down payment assistance.
✅ Apply Now: apply-nickbarta.com/quick
Nick Barta
Division President | Top Mortgage Loan Originator
NMLS/MA MLO 25540 | AZ MLO 0927129
🌐 Website: bit.ly/NickBartaLoans
📱 Call/Text: (303) 709-9625
📧 Email: nbarta@securityff.com
📍 Address: 63 Inverness Dr E, Ste 250, Englewood, CO 80112
Security First Financial is a division of Primary Residential Mortgage, Inc. PRMI NMLS 3094. Branch NMLS 385589. PRMI is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. Programs, rates, terms, and conditions are subject to change and are subject to borrower(s) qualification. This is not a commitment to lend. CO - Regulated by the Division of Real Estate, UCCC #987701-016.
✅ Apply Now: apply-nickbarta.com/quick
Nick Barta
Division President | Top Mortgage Loan Originator
NMLS/MA MLO 25540 | AZ MLO 0927129
🌐 Website: bit.ly/NickBartaLoans
📱 Call/Text: (303) 709-9625
📧 Email: nbarta@securityff.com
📍 Address: 63 Inverness Dr E, Ste 250, Englewood, CO 80112
Security First Financial is a division of Primary Residential Mortgage, Inc. PRMI NMLS 3094. Branch NMLS 385589. PRMI is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. Programs, rates, terms, and conditions are subject to change and are subject to borrower(s) qualification. This is not a commitment to lend. CO - Regulated by the Division of Real Estate, UCCC #987701-016.
Do You Need a 2 Year Work History to Buy a House?
Today Drue discuss' work history and how that plays into purchasing a house.
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What is required today, to qualify for a mortgage with no work history?
*Promo SM* 🌹
Great video! I'm looking into debt consolidation with Cash out Refinancing... However, If DTI exceeds loan terms for Cash out refinancing (DTI is over 50%), how can I use the equity to payoff existing debt if I don't meet DTI standards? We have over $200k in equity but carry roughly $110k in debt (vehicles, credit cards, and personal loan). Is there a way to still get approved for cash out refinancing with high DTI considering the amount of equity in our home? Also, if approved can additional equity be used to cover closing costs? Would love to hear from you ASAP. -Andy
Sir does the CHFA down payment loan go away after 3 years?
[̲̅p][̲̅r][̲̅o][̲̅m][̲̅o][̲̅s][̲̅m] 💐
Well I just applied, hopefully things go favorably for me.
Just trying to educate myself on the different DPA programs and what they mean. My understanding on dpa assistance was that there were actual grants to help with the down payment. Is that the same thing? I have about $6,000 in my savings and I need help trying to purchase my first home. Iv been prequalified and I have a agent but honestly I’m so confused about all the terminology my head is spinning.
Hi Tiara, Thanks for the question. There are actually a couple different options when it comes to down payment assistance. You are right, there is a grant option, but there is also a silent second option. For instance, CHFA offers a Down Payment Assistance Grant and it would be assistance up to 3% of your purchase price and you wouldn't have to pay that back. They also offer a Second Mortgage Loan and that would be assistance up to 4% of your purchase price and repayment of the loan balance is deferred until certain events, such as payoff of your first mortgage, or the sale or refinance of the home. I actually made a another video where I explain down payment assistance in more detail: th-cam.com/video/GtMriFhju2k/w-d-xo.html I hope this helped! If you'd like to discuss this more, or see if we can help you get pre-qualified with one of these DPA loans, please reach out. We'd be happy to help! www.nickbarta.com
Yes, that is clear. Thank you for the information. I’m thinking the silent second would be an option. I will reach out for more!
Does CHFA raise your interest rate?
Hi, Erika. Mortgage rates are determined by many factors, some of which are in the borrower's control and others that are not. Examples include the borrower's credit score, loan-to-value ratio, the overall economy, inflation, job growth, and a lot of other factors. Rates will also vary by lender, so the borrower should do their research. CHFA offers multiple programs to first-time buyers and non-first-time buyers all with flexible rates, so be sure to check out their list of participating lenders www.chfainfo.com/participatinglenders or reach out to us (We're a CHFA Participating Lender) for more information: www.sffmortgage.com/chfa-home-loans
Do these loan programs affect your debt to income ratio? I need to know this because I am only approved for around 350k and cant use these programs if this means my debt to income ratio will increase causing my preapprpval to go lower than 350k...i need every penny of my approval amount...please let me know
Hi, Curtis. Please contact your current mortgage lender directly to discuss your approval and your eligibility for CHFA or metroDPA programs. Sorry, but we are unable to say one way or the other without knowing your overall situation. Below are the lists of CHFA's and metroDPA's Participating Lenders to see if your lender is listed or to find a lender you can discuss your options with directly: CHFA Participating Lenders: www.chfainfo.com/participatinglenders metroDPA Participating Lenders:www.ehousingplus.com/available-programs/colorado/metrodpa/ Thanks, and we wish you all the best.
Nick, I’d love to touch base with you! I’m a realtor here in Denver and would love to collaborate.