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Buying Cedar Park Real Estate, Round Rock, Georgetown TX and Austin Real Estate with $0 Money Down
5 Facts You Must Know - and You Can Qualify To Buy with Zero Down Immediately!
Imagine what it would be like if you could easily get qualified to buy the Cedar Park, Austin or Round Rock home of your dreams with $0 money down. Your whole life and financial situation would be much better owning your house instead of renting – right?
Well, no matter what negative news you’ve seen on TV, the newspapers or heard on your favorite radio station – there are still $0 money down loans available for move-up buyers and first time Austin home buyers! As a matter of fact, some of the interest rates and loan programs are EASIER to qualify for than ever before – since lenders are eager to increase their sales slumps in the overall United States housing markets. Interest rates starting as LOW as 5.75% to 6.25% on 30 year loans – keep reading more!
See more city information at our home page.
I’m excited to offer you the ONLY $0 Down loans that are still available - whether you've got good to excellent credit - or if you’ve got blemished or slightly damaged credit.
You can look for homes in the Cedar Park TX Real Estate community, the Round Rock TX Real Estate market – or anywhere else in Central Texas with my help! As one of the United States best $0 Down specialty mortgage brokers since 1998, we still offer amazing loans and can do FHA $0 Down loans – they are just more restrictive and require more adjusting of the contracts by a SMART Realtor to get the loan to close. Here are what your monthly payments would be on a FHA 6% rate:
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$900/month
$1,050/month
$1,200/month
$1,800/month
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$150,000
$175,000
$200,000
$300,000
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FACT #1: $0 Down FHA mortgage loans are still the smartest loans for first-time buyers, renters, and move up buyers - because you can buy any house you want IMMEDIATELY in the Cedar Park, Round Rock or Austin Texas real estate market – and without having to wait years to save cash or repair your slightly damaged credit situation…
Although the sub-prime $0 Down loans are virtually gone, you can still get a 6% rate on a FHA $0 Down purchase loan with only a 580+ mid-fico score too. You can get qualified to buy a new home in Round Rock, Cedar Park or Georgetown TX Real Estate – or any resale Austin home! If you’re a first time Austin home buyer, you’ll get all the help you need from me to get your credit scores and credit fixed so you can qualify – if poor credit has been holding you back from buying Cedar Park Texas real estate then call me!
 FACT #2: Having NO cash 'saved’ for a down payment and loan is the #1 reason why first-time Austin home buyers and renters do NOT think they can buy. Read more about FREE Cash for Renters here...
If you’re a wanting to move up into a bigger house but don’t have much cash for a big down payment, I’ll help you get an excellent $0 Down Loan up to $500,000 – on a 30 year fixed rate loan. I have always specialized in getting borrowers incredible $0 Down loans who have been ‘declined’ loans - by other (more strict) lenders and Austin new home builder lenders.
Read every word of this brief article and you'll soon find out that you can probably get qualified for a fantastic $0 Down loan too!
Most Austin borrowers and wanna-be home buyers assume you need perfect credit scores above 680-720 to qualify for $0 Down loans - but that’s NOT TRUE! You can actually get qualified and pre-approved if you have below average credit scores too. 
These are the 3 Primary $0 Down Loan Qualifications:
• You’ll need at least a 580+ mid-fico score on all borrowers
• Debt-ratios at 50% to your gross monthly income (unless you have 401k/ other savings)
• 2 year job history, 2 years tax returns and on time credit payments for last 12 months.
Renters can qualify and become home owners - as I'll help you buy Austin Real Estate right away!!!
You are permitted to have charge-off and old medical collections – as long as they are 1 year or older reporting on your credit report. You DO NOT need to pay them off prior to closing (unless they exceed $8,000 and are not medical collections.) This surprises most renters and first-time home buyers I speak with!
FACT #3: $0 Down FHA loans are ‘unusual’ because you can buy a house immediately without having to save cash for years and years. You get a ½ percent higher interest rate than putting 5% down – but 5% down on a $200,000 home is $10,000 – and most renters are incapable of saving that much cash...
With a 580 mid-fico score or higher – we can usually help you buy with zero money down!
And, with interest rates at 5.75% to 6.25% - you’re getting an excellent loan.
FACT #4: In today's uncertain financial times, a great financial strategy is keeping a cash reserve for emergencies – which is why our $0 Down loans are so popular to most savvy borrowers...
Texas Mortgage Specialists, LLC will help you get qualified and pre-approved to buy now! You'll get NO big surprises when a professional lender (like me) does your loan. I've got a MBA, I give great housing and great financial advice to my customers, and have since 1998 - which means you're going to get personalized financial expertise with my help. Over 94% of my company's business involves both the mortgage loans and the real estate work.
You'll also have 'escrows' for your property taxes, homeowners insurance, HOA (if any) and your PMI; or private mortgage insurance (PMI is on all loans that are over 80% loan-to-value) in addition to your monthly principle & interest payments. Typically, about $250 to $500 a month is needed for your escrows - depending on the Austin, Cedar Park Real Estate, or the Round Rock Real Estate or other house you pick out.
FACT #5: MOST borrowers are 'declined' loans because of credit scores and misreporting credit items that can be fixed – typically in 1-3 months! You do not need to pay off OLD medical collections or charge-off's 1 year and older in most cases...
Our lenders take into account that your credit may not be perfect. The next step is for you now – is to do a quick Loan Application so we can go over your credit situation and get Pre-Approved for your $0 Down loan.
You may be able to get LOWER interest rates on your $0 Down Loan if we discover in advance that you have errors or mistakes on your credit reports - that I can help you fix prior to closing! Why keep wasting money on renting – let’s get going on working on rebuilding or fixing your credit NOW. Not taking steps to fix your damaged credit is like cutting your finger badly and just letting it bleed – or like driving your car with a half flat tire for 6 months – THAT’S CRAZY MAN!!!
Not fixing your damaged credit is the #1 Mistake that first-time home buyers and renters make. Email me your loan scenario or financial situations to me with this form here:
APPLY NOW and I'll have you Pre-Approved for an excellent $0 Down loan quickly!
Thanks!
Jeff
Jeff Boyce
Multi-Million Dollar Producer
The Jeff Boyce Gold Team
and
Owner
Texas Mortgage Specialists, LLC
(512) 289-9900
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