1st Northern Virginia Mortgage and Real Estate

Oneill Financial Group, your Northern Virginia mortgage source, - Self Employed/Stated Income - Qualifying For Stated Income Loans
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DEBT CONSOLIDATION
2ND MORTGAGE
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REFINANCE

Oneill Financial Group, your Northern Virginia mortgage source, suggests that you check the market closely when you are considering refinancing your loan. You will be looking for both the current interest rates and the closing costs. To find your costs you will want to divide your closing costs by you monthly savings. This will give you a preliminary savings amount. Then you should look at how refinancing will effect your taxes and how long you will stay in your home for. After you have surveyed all of these numbers you will know how much you will be saving by refinancing.

DEBT CONSOLIDATION

When you take out a debt consolidation loan from Oneill Financial Group, your Northern Virginia mortgage source, you can easily pay your high interest credit cards and other debts into one lower payment. Not only will doing this save you hundreds of dollars each month, but it will relieve the stress of having to come up with numerous lump sums to pay all of your never ending monthly bills.


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Name * (First and Last)
Street Address *
City * State * Zip * E-mail Address *
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Additional Information
Purpose of Loan *
Type of Loan *
My Credit Is *
Desired Interest Rate *
Borrower(s) Gross Monthly Income * $ .00
Borrower(s) Total Monthly Debt * $ .00
Current or Forecasted Home Value * $ .00 (put in 0 if N/A)
Desired Loan Amount * $ .00
Location of Property *
Type of Property *
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1st Northern Virginia looks at the following when working with stated income clients. We do, however, understand that not all clients are going to meet all of these requirements and will be happy to work with you regardless.

1. A minimum credit score of 640

2. 5 credit accounts (3 may be utilities, insurance, etc)

3. 2 years employment with the same employer

4. 2 months PITI reserves

5. 5% down payment consisting of your own funds

6. Any bankruptcies or foreclosures disclosed at least 3 years prior

More Oneill Financial Group, your Northern Virginia mortgage source, Self Employed/Stated Income Information:

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Oneill Financial Group, your Northern Virginia mortgage source, Featured Cities
Oneill Financial Group, your Northern Virginia mortgage source, works in many Virginia counties including Arlington, Fairfax, Loudoun, Prince William, Fauquier, and Stafford. Some of our featured cities include:
1st Northern Virginia Mortgage and Real Estate



SECOND MORTGAGE

If you need money, a home equity line from Oneill Financial Group, your Northern Virginia mortgage source, can be a very useful source of credit. They can give you large amounts of cash at lower interest rates. They can also provide you with tax advantages that aren’t available with other loans. Home equity lines use your home as collateral for the loan. It is for this reason that you must be sure you can afford to make your monthly payments.

1ST TIME HOME BUYERS

Oneill Financial Group, your Northern Virginia mortgage source, uses first time home buyer programs to make it that much easier for prospective buyers to become owners. We offer a range of options including HFA which features low interest rates; MCC which lowers taxes; and CHB which lowers down payments.

LOW DOWN PAYMENT

Oneill Financial Group, your Northern Virginia mortgage source, allows many of our clients to use money from their 401K to lower their down payment. If you have a 401K with your employer you may opt to withdraw money from it without paying a penalty. You may then pay off the difference over time. This is a great option for those who don’t easily have access to large amounts of cash.

CREDIT INFORMATION

Oneill Financial Group, your Northern Virginia mortgage source, uses credit scores to give us a basic idea of your credit history. Scores are rated from A to E, with A being the best. A score of 660 or above will give you a credit rating of A; a score of 620 and above is a B; a score of 580 and above is a C credit rating; a score of 550 and above is a D; and a score of 520 or above is an E credit score. While your credit score is considered when looking at what kind of loan you can receive, it is not the only consideration.

1st Northern Virginia Real Estate .com Powered by ONeill Financial Group 703-534-3255

1st Northern Virginia Real Estate .com Powered by ONeill Financial Group 703-534-3255

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