With Cheryl Washington the Time is Now

Cheryl Washington is the Director of Internet Real Estate Client Services for Prudential California Realty. Cheryl specializes in Relocation, eCommerce and Internet Real Estate Services. She provides an invaluable service to her Internet clients (buyers and sellers), and the Prudential California Realty Sales Professionals.

Cheryl manages, coordinates, disburses and cultivates various Internet prospects that find their way to Prudential California Realty via multiple website sources such as, Yahoo! Real Estate, Zillow, Trulia, LendingTree, RealxReferral, RealtyTrac and many others. Cheryl’s job is to place all prospects with an “expert” Real Estate sales and/or lending professional that will best fit the clients’ needs.

Cheryl ensures you work with the best Lenders and Real Estate Short Sale and Foresclosure Specialists.

Cheryl has over twenty-five years of relocation, real estate sales and eService experience. She is a psalmist, singer, writer and poet, has lovely adult children, sings for International New Wave Missions Ministries and Warriors of Valor, as well as other types of venues.

More on FHA Loans

FHA Mortgage Guidelines

Mortgage Insurance
FHA insured loans require mortgage insurance to protect lenders against losses that result from defaults on home mortgages.

 

Lending Limits for FHA Loans
FHA mortgage lending limits vary based on a variety of housing types and the state and county in which the property is located.

 

Your Loan Checklist
Before you start the loan process, you’ll want to be prepared for the loan application. Have your information organized and ready for your loan officer. Be prepared to pay for property appraisal and a credit report.

 

Closing Costs
While FHA defines which closing costs are allowable as charges to the borrower, the specific costs and amounts that are deemed reasonable and customary are determined by each local FHA office.

 

Debt to Income Ratios
In order to prevent homebuyers from getting into a home they cannot afford, FHA guidelines have been set in place requiring borrowers and/or their spouse to qualify according to set debt to income ratios.

 

Credit Issues
An FHA loan applicant’s past credit performance that demonstrates good credit history and a solid track record of timely payments will likely be eligible for the mortgage.

 

Let me assist you by having a Lender and Real Estate Sales Professional contact you for more information and to get free Bank Owned and Standard Property Listings. 

 

 
Cheryl Washington
”Your Real Estate Concierge”
Mailto:relocatewithcheryl@yahoo.com
Mobile: 209-513-1169

FHA Loan – What to Ask

FHA loan comparison questionnaire

It’s important to compare offers from several lenders before you select an FHA-insured loan because the interest rate and terms can vary. Here are some of the many questions you should ask about each loan:

1. What is the initial balance?

2. How much is the required down payment?

3. What is the term?

4. What is the initial interest rate?

5. How many points, if any, must be paid for that rate?

6. Is the rate locked? If so, when does the lock expire?

7. What is the initial monthly payment?

8. How much is the upfront mortgage insurance?

9. How much is the monthly mortgage insurance?

10. Is the mortgage insurance included in the monthly payment?

11. Does the payment include property taxes, homeowners insurance or other items?

12. Can the interest rate increase? If so, how often and by how much?

13. Can the loan balance increase? If so, when will the loan be recast?

14. Is there a prepayment penalty?

15. Is there a balloon payment? If so, how much and when is it due?

16. What are the closing costs?

Cheryl Washington
”Your Real Estate Concierge”
Mailto:relocatewithcheryl@yahoo.com
Mobile: 209-513-1169

Central Valley Relocation

Witty Quotes and Other Stuff

 

Sometimes you gotta create what you want to be a part of.
 – Geri Weitzman

We can’t choose our famiy members, but we can choose to except each as they are – CWashington

Let’s create something new and take a leap of faith! – Whether selling, buying, or investing; and even becoming a Central or FresnoValley, California Sales Professional – Let me be your “hook-up” to the best in Real Estate.

Contact a local Realtor with Relocation Specialist
Cheryl Washington  “Your Real Estate Concierge”
209-513-1169
Mailto: relocatewithcheryl@yahoo.com

 

 

 

 

 

 

 

 

Your Relocation Specialist

My Vision:

To be the most innovative provider of real estate services in the Southern and Central California Valleys. My deep commitment to community, my reputation of integrity and trust, make working with me and Prudential California Realty the real estate company of choice for those seeking the highest quality of resources, support and service.

My Mission:

I believe that my success is a direct result of valuing people over market share. I will continue to grow and in that process will invite those who share my belief of extraordinary service to join us. I celebrate diversity and strive to include all in the process of the American Dream – home ownership.

Whether selling, buying or investing; and even becoming a Sales Professional – Let me be your “hook-up” to the best Sales Professionals in Real Estate.  Need a lender?  I got those too!

Cheryl Washington  “Your Real Estate Concierge”
209-513-1169

Mailto: relocatewithcheryl@yahoo.com