Do you dream about owning your own home but just can’t find anyone willing to take the time to show you what loan solutions are available to you? The Robinson Lending Group with Carnegie First Lending Service is here to help! With our team of experts by your side you can be assured of a smooth and painless purchase transaction. We take the extra time and effort to ensure you understand and are comfortable through the entire process. We highly encourage you to attend our Free First Time Homebuyer Seminars or Web Seminars.
We offer loans solutions not just mortgages, that make buying a home easier and more affordable. By being a Banker and a Broker we are able to offer the most affordable loan solutions possible.
First Time Homebuyer Loans:
- Low or NO down payment
- Low closing costs options
- Flexible qualifying requirements
- Down payment and closing cost assistance through available Grants or Gift Programs. *
- Fixed rates, variable rates, 40 year terms and Interest Only options available. **
- Temporary interest rate buy-downs with most loans. ****
To obtain Grant(s) you may need to attend a HUD Certified Homebuyer Education Class*** which is generally held on a Saturday from 8:00 AM to 5:00 PM. For homebuyer’s that do not need to attend this 8 hour class to qualify, you may decide to attend a FREE Web Seminar or Homebuyer Seminar to educate yourself about the home buying process, how to work with your realtor, what to expect at the title company when signing your loan documents.
We treat each home buyer as an individual. We don’t believe that every buyer conforms to one type of loan program. There are many things to consider when selecting a mortgage and working with the right person who is willing to educate you about your options is key to a successful home purchase.
We take pride in helping families attain the American Dream, Homeownership! If you doubt that homeownership is a possibility for you, read some of our Testimonials. These homeowners had the desire, applied for a loan, did what was needed and bought their home! You can to!
Receive a $350 lender credit by applying online! Receive a $350 agent credit by using a Preferred Realtor®!
A poll taken indicated the top 5 fears associated with First Time Homebuyers and we can help!
~ Fear of the unknown
~ Not knowing where to start
~ Confusing terminology
~ What out of pocket expenses expected
~ Lack of Control
Other Related Links:
*Ameridream are seller paid gift contribution of up to 6% towards closing costs and down payment. This is an option that may soon be no longer by available. Currently this program is guaranteed available through 2/28/2008. No income restrictions apply.
**The 30- fixed mortgage is the only loan type that can be used in combination with any Grant assistance. Grants will likely have income or area restrictions.
***HUD Certified Homebuyer Education referral will be given once loan has been pre-approved by the Robinson Lending Group.
****2-1 Buydown can be paid by the seller but total consessions cannot exceed 6% of the purchase price an must be negotiated.
