Bankruptcy. Foreclosure. FHA.

Do You Want to Be Client or Just Another Customer?

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MATTHEW PEYTON SMITH

I specialize in arranging FHA purchase and refinance loans for non-traditional borrowers who have been turned away from banks and brokers because of credit issues. If you've been discharged from a Chapter 7 bankruptcy, or are currently in a Chapter 13 bankruptcy or a Consumer Credit Counseling program, use this blog to assist you as you compare options for a purchase or refinance.

I have served homeowners and homebuyers since August 2007 when the collapse of the housing and financial markets began. Having learned the mortgage business in the worst economic times since the Depression, I have developed the knowledge, expertise, and resources to provide you with the best solution for your home financing needs - especially if you have a troubled credit history.

If you have specific question not covered in this blog, please contact me at peyton-smith@live.com

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FIRST NATIONAL BANK

Since its first day of business in 1905, First National Bank of Layton has been putting people first. FNB offers the best solution for your home financing, whether you are purchasing your first home, or refinancing to make owning your home more affordable.

The vision of the first shareholders has not been forgotten with over 100 employees dedicated to providing the kind of relationship banking that never goes out of style. We offer home loans on properties in all fifty states, so no matter where you are, we've got the best home finance solution for you.

First National Bank of Layton – “A Century of Putting People First”
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Why You Need to Understand FHA Bankruptcy Rules ASAP

Soon, lenders and brokers will have to reckon with FHA bankruptcy guidelines. Why? There will simply be too many people with bankruptcies in their credit histories.

Filed under Bankruptcy, FHA Bankruptcy Rules, Refinance

Bankruptcy: Not Leaving the Headlines Anytime Soon

FHA has guidelines for obtaining a new mortgage even with a past or current bankruptcy are more favorable than you think.

Filed under Bankruptcy, Refinance · Tagged with Bankruptcy, FHA, Mortgage, Purchase, Refinance

Do You Want to Be Client or Just Another Customer?

So, where are all of the websites to tell you what questions your loan officer should be asking YOU?

Filed under Seeking a loan officer · Tagged with Bad Loan Officers, Credit, Mortgage, Purchase, Refinance

FHA: A Better Life After Foreclosure

Imagine having lost a previous home to foreclosure when paying the mortgage at a rate of 6.5%, and buying a new home three years later at a rate of just 4.5%? It can be done thanks to FHA.

Filed under Foreclosure · Tagged with Credit, Fannie Mae, FHA, FICO, Foreclosure, Mortgage, Purchase