Archive for the ‘Homestead Funding (Chelmsford)’ Category

Homestead Funding – Fannie Mae’s HomeStyle Renovation Loan

Have you found a property that is right for you but it needs work?  Consider a Fannie Mae HomeStyle Renovation Loan. 

It can finance i to improve a property using the “after-improved appraisal value”.  There is just one mortgage and one closimg.

Loan Limits are 1 family $417,000      2 family  533,850    3 family   645,300      4 family   801,950

All renovations begin after closing.    You have 6 months to complete the renovations.  You can finance up to 6 months mortgage payments if home cannot be occupied.

Want more information – contact Chuck Hirbour at Homestead Funding –

office   978-251-8558     cell 978-835-2777  chirbour@homesteadfunding.com

There are a variety of loan options ut there to meet your needs.  This is just one of them.

Joan Parcewski    Woods Real Estate   joan@woodsre.com

978-376-3978        http://www.JoanParcewski.com   http://justforseniorsrealestate.com

 

Landscaping Suggestions from Chuck Hirbour (Homestead Funding) –

 
 
For some, landscaping can be a simple touch-up job that slightly improves the overall look of a home. For other people, it is a work of art that requires a lot of techniques and ideas that are used to create a masterpiece. In this article, we’ll cover some landscaping tips that will let you keep your yard healthy and improve the appearance of your property.

  • When mowing your lawn, leave some grass clippings where they fall. As the clippings decompose, they provide your lawn with nutrients, which means that you don’t have to apply as much fertilizer and keep your lawn more natural.
  • Buy fast-growing trees if you want to plant trees for privacy reasons. There are number of different fast-growing trees available for sale, so you should have no problem finding the look that you would like.
  • Take some time to learn about different landscaping techniques. For example, anchor plants can be used to build continuity in your yard design. Plant texture is also important to create variations in your design. You can find quite a bit of free information online on this subject.
  • Do not worry about taking plants out of your yard. Some plantings do not work as well as you originally thought after they are fully grown; so if you decide to remove those undesirable plants, your landscape may be become more aesthetically pleasing. In addition, you can replace such plants with something more appropriate for the space. Remember: removing the plant doesn’t mean killing it. If you can’t find a better space for it in your yard you can always give the plant away
  • Consider investing in a drip style watering system. These systems are simple to install and will allow plants to be watered consistently. This also saves water, as the water is delivered in drips rather than through a sprinkler or hose which sprays water everywhere.
  • Know the precise measurements of your target work area before you head out to select your plants and materials. This makes it easier to know how much of every item you will need. This will help you save money and trips to the store.

Chuck Hirbour    Homestead Funding 

345 North Road Unit 4
North Chelmsford MA 01863

Phone: 978-251-8558
Toll-free: 866-724-2734
Fax: 978-251-8512

 

Preventing Identity Theft – Reprint from Homestead Funding Newsletter

Chuck Hirbour from Homestead Funding brings up an important point.  And identity theft can hurt the credit of someone looking for a home.  Check your credit at least once a year to be sure that your information is correct. Check your credit card statements for correctness.  And follow the suggestions in his article.

For the eleventh consecutive year, identity theft surpassed debt collection and internet services complaints as the most prevalent form of consumer fraud, according to the Federal Trade Commission, which received almost 251,000 identity theft complaints last year. For the first time, “imposter scams” – where imposters posed as friends, family, respected companies or government agencies to get consumers to send them money – made the top 10.
Many consumers associate identity theft with email solicitations and computer firewall breaches, but checks, credit cards and Social Security numbers remain targets as well. To protect yourself from becoming a victim, follow these tips to prevent identity theft.
Checks
– Use your initials and last name when ordering printed checks. A check forger won’t know how you sign your checks, but your bank will. – Do not have your home phone number or Social Security number printed on your checks. Use your work phone number. Use a post office box or work address instead of your home address.
– Order new checks from your bank and pick them up at the bank, rather than having them sent to your home mailbox.
Credit cards
– When paying credit card bills, write only the last four digits of the account number in the check memo line. – Do not sign the back of your credit card — instead write, “Photo ID required.” – Photocopy both sides of your driver’s license, credit cards and other important contents of your wallet. In the event it is stolen, you’ll know exactly what is missing. – Keep a list of your credit card numbers and their toll-free customer service numbers so you can cancel cards quickly if lost or stolen. Keep the list in a safe place in your home, not in your wallet.
Social Security Number
– Do not carry your Social Security card in your wallet. Memorize the number and put the original card in a safe place. – If you believe your Social Security number has been compromised, contact the Social Security Administration fraud line 800-269-0271.
PINs and Passwords
– Do not write your PIN on the back of the card or on anything else in your wallet. – Use different PINs for each debit and credit card. If you have too many to remember, consider reducing the number of cards you carry in your wallet. – Do not use easily available information, like your birth date, phone number or part of your Social Security number, for PINS and passwords.
Mail and Trash
– Use post office collection boxes for outgoing mail, rather than your home mail box. – Shred any trash that may contain personal information, including charge receipts, credit applications, insurance forms, medical statements, checks and bank statements, expired credit and debit cards and direct mail credit offers. – You can opt not to receive direct mail credit offers by calling 888-567-8688.
If your wallet is stolen, you should immediately:
– File a police report to document the theft and the wallet contents. – Contact one of the national credit reporting organizations (listed below) to have a fraud alert placed on your name and Social Security number. The organization you contact is required to contact the other two. If the thief’s purchases initiate a credit check, the credit reporting organization can alert the merchant. Placing a fraud alert entitles you to free copies of your credit reports. – Equifax 800-525-6285 – Experian 888-397-3742 – Trans Union 800-680-7289 – Close all accounts for missing credit cards. Check your credit reports for accounts opened fraudulently. – File a complaint with the Federal Trade Commission, which maintains a database of identity theft cases, online at www.consumer.gov/idtheft . This database assists law enforcement agencies and helps the FTC learn more about identity theft. – Notify your bank if your wallet contained a checkbook or debit/ATM cards
Chuck Hirbour    chirbour@homesteadfunding.com

First Time Homebuyers Seminar – May 17th

If you are a first time homebuyer, there is much you need to understand about the process of buying a home, including on pre-approvals and mortgage commitments etc.  This is a great opportunity to learn more.  And may I request that you tell Chuck that I referred you (Joan Parcewski- Woods Real Estate)

First Time Home Buyers Seminar @Lowell Communications Center 246 Market St. Lowell MA Thursday, May 17 6:00pm-8:00pm Please RSVP Chuck Hirbour 978-251-8558
Chuck Hirbour
Branch Manager/Licensed Loan Originator
chirbour@homesteadfunding.com
978-251-8558
978-835-2777

Homestead Funding Corp
345 North Road, Unit 4
North Chelmsford, MA 01863

LO NMLS ID#13634. Licensed in MA (Lic # MLO13634), & NH (Lic # NH13634)
Company State Licensing

First Time Buyer Seminar – April 14th

If you are a first time home buyer, did you know that, even if you find your dream home, you can’t make an offer without a pre-approval.  No real estate agent will accept an offer for their client without one attached.  There is no way to know if you qualify to buy a house unless a bank or mortgage company has indicated that they have pre-approved you.  Knowledge and a pre-approval letter is power.  Thanks to Chuck Hirbour from Homestead Funding in Chelmsford for the seminar.  Call now and save your spont. 

 

I Willl Fight For You!! Register TODAY for our First-time Buyer Seminar: VA, 203K REHAB, FHA, RURAL HOUSING, AND DOWN PAYMENT ASSISTANCE PROGAMS.  TIME:11am to 1 pm.

Date SATURDAY April 14, 2012.

Place: Lowell Telecommunicatons Center 246 Market St. Lowell MA 01852.

PLEASE R.S.V.P. AT 978-251-8558

 

 

When you are shopping for your mortgage loan and you need someone in your corner, I WILL FIGHT FOR YOU!  We are experts in FHA 203k Rehab, VA, USDA, 1st time buyers, Conventional and Jumbo mortgage loans.

 

We offer Free pre-qualification and credit analysis.  Call me to arrange an individual or group seminar to review your mortgage options.

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