St Petersburg Real Estate Financing

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Mortgage and Lending - FBC Mortgage - NMLS #:333188
RECENT BLOG POSTS
If you are trying to become a HOMEOWNER before the June 30th Tax Credit deadline, did you know that you can use your Utilities bills and rent to help you buy your next home.  Banks and Brokers everywhere are tightening their criteria to qualify and if you don't have at least 3 accounts with a 12 ...
03/19/2010
Many clients that want to buy a home are not able to meet the requirements of Underwriting because they do not have ANY credit or NOT ENOUGH crediit.  I can show you how you can build a credit report and help you get financed to buy that home you want.  What is a "thin credit file"? Quite simply,...
03/18/2010
We often receive frantic calls from homeowners because they've called the bank after having been served with a foreclosure lawsuit, only to hear from the bank's representative that "Your foreclosure sale is December 22, 2009." "How can that be?" the borrower thinks, "The lawsuit was first filed o...
02/22/2010
FHA Rental Income Evaluation for Home Buyers I have a client that is buying a new home and they will be renting their old one.  They were surprised that they could NOT use the income because they didn't have enough equity.  Here is a quick update on the guideline for using rental income. The foll...
02/22/2010
A VA Home Loan is one of the best loan options for home buyers, especially those that have not purchased before.  If you were waiting to buy a home because you were having trouble saving money, the VA Home Loan has a solution.  They still offer a $0 Down Payment home loan. How do they do $0 down ...
02/20/2010
HOME BUYER LOANS Gulf and Southern Mortgage offers loans to qualified applicants who wish to purchase and occupy new or existing homes within the St Petersburg, FL city limits. Home buyer assistance loans can be used for down payment, closing costs and / or interest rate buy down.  These loans ar...
01/22/2010
FHA condominium project approval changes delayed until December 7, 2009. FHA's new policy guidance for condominium project approval has major changes pending.  They were going to be in effect as of October 1st and were delayed until November 1st.  The latest news is that no changes will take effe...
10/21/2009
2009 has been a great opportunity to find and buy Real Estate at a discount.  One of the best options for people has been the bank-owned home and foreclosure market.  In Florida, we have found that because of the large number of foreclosures, prices are low and inventory is high, so people have f...
08/26/2009
  How does my home inspection affect my mortgage? As a Mortgage Broker, we require a disclosure to be signed at application that reminds all of our clients that for your protection, you SHOULD get a home inspection.  If you have trouble finding one, or don't know anything about home inspections, ...
07/11/2009
Celebrate the 4th!Independence Day parties abound throughout the St. Pete/Clearwater area. Take in a parade, enjoy a picnic and watch fireworks from the beach or take in some live music, no one does the 4th of July like St. Pete/Clearwater. OTHER LINKS TO AREA ACTIVITIES  4th of July Celebrations...
07/03/2009
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Scott Hoag

Preferred Lender / Mortgage Company
local_phone813-337-0165
smartphone727-644-3656
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I specialize in helping individuals like you and families like yours find, qualify for, and own the home of their dreams with little or no money down, even with less than perfect credit.