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Archive for November, 2008

EZ Home Lending Program Guidelines For 2009

Friday, November 21st, 2008

Due to the changing lending environment in these economic times, many are asking if they would be approved for a home loan. I have tried to come up with a lot of the easiest standards for applying for a loan these days. The biggest hurdle I find that most have is the down payment, so I tried to come up with some very low down loan programs. There are still a lot of creative programs out there, so please contact me Ron at 763-546-9090, if you think you could get approved based on the following.

Program #1
100% Program
95% 1st mortgage (must be approve/eligible minimum 620 credit score)
5% 2nd mortgage at 8% with a 20 year amortization
Mortgage Insurance applies (based on 95% LTV)
3% seller paids
Purchase only
Keep in mind to get an approve for someone like this you will need a stable job history and good assets.
If we get an automated approve then we can make it work. There is a hit to the rate if the scores are
under 680 but with them being in the low 6% even a 1% hit to 7% isn’t a bad thing.

Program #2
-First Time homebuyers
-Owner Occupied
-Minimum Cash $500 of your money
-You can get 3% GIFT funds from another source
-Will be 3.5% down starting in 2009
-Down Payment Assistance up to $3000.00 on a ZERO interest deferred payment loan
-Need Stable Job/Income
-It’s not currently credit score driven, so please try to apply
-affordable, fixed-rate financing
-Interest Free Deferred loans to help with down payment and closing costs as well
as monthly payments. *Must meet income and property eligibility guidelines.
-No co-signers
-Must live in the property
-No Foreclosure or Bankruptcy in the past 4 years
-2 Months PITI(Principle Interest Taxes and Insurance recommended)
-45% max DTI(Debt to Income) starting January 2009
-We can get some people approved with more recent bankruptcies/foreclosures with more cash reserves and higher credit scores, it’s manually underwritten.

If you would be able to get pre-approved based on these guidelines, may I suggest you search the Minnesota MLS Property Search.

Also if you don’t qualify for a home loan today, you should look into the option of a rent to own or a contract for deed article. You can also fill out your contact information at www.RentToOwnBuyers.com and www.Contract4Deed.comso that we can go find you a house.

Ron Orr, Jr. Real Estate Broker
MinnesotaInvestors.com, Inc.
763-546-9090

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Minnesota Carpet & Upholstery Cleaning Service

Thursday, November 20th, 2008

. carpet upholstery cleaning service

Professional Carpet and Upholstery Cleaning

Let our Pro Carpet Cleaning Equipment Services provide you cleaning services locally here in the Twin Cities, Minnesota area. Our machine and supplies are some of the best around. We can provide no odor, low steam, renewable plant-based carpet cleaning for your rugs, with quick dry time. We know the carpet cleaning tips and solutions you need. Let Baker’s carpet cleaning do the work, even on your berber carpet, or nasty pet stains. We stay very busy off of referrals alone. If you are currently embarrased about your carpet, and have odor and stain problems and they won’t go away, call us. Baker’s cleaning will clean your carpet with natural bio-based solutions that dry within about 1 hour. We use a suite of bio-friendly, plant based, renewable cleaners. This makes our service unparalleled to any competition, it allows us to be fast and effective. We can remove foreign material from your flooring.

Some of the standard benefits would include:

- Occupancy in an hour or less

- Low-moisture stain removal

- No foul chemical odors

- No harmful solvents or perfumes

- Clean, natural plant-based scent afterward

Bakers Cleaning will provide professional carpet & upholstery care as well as other services in the Twin Cities metro area of Minneapolis and St. Paul, MN. Please call us today at 763-670-3003 for more information. Here is our BNI profile.

Commercial Carpet Care

Commercial Services offered include:

- Carpet & Upholstery cleaning

- Single incidents & regular scheduled cleaning services are offered.

- Emergency cleaning services are obtainable.

Important Points:

- NO STEAM

- NO SHAMPOO

- NO CARBONIZATION
- NO WICK BACK OF STAINS

- NO DRY CLEAN CHEMICALS

Through our low-moisture process we provide you with an alternative to the musty smelling, mildew odor in your carpets. You can avoid further indoor air pollution consistent with harsh chemicals and leading to unhappy customers. Via our proprietary cleaning process and 100% safe, non-toxic and non-flammable ingredients, your offices, rooms and hallways are quickly ready for occupancy about an hour after cleaning, SAVING rather than costing you money! Unlike traditional cleaning systems and because of the low level of noise of our system, work can often be done during the workday with minimum interruption or at “off-times” as necessary.

Residential Care

No more waiting days for dry time. Have us clean today and you can entertain guests tonight! No more toxic chemicals or high humidity leading to mildew or increased dust mite population (a significant allergen). Through our low-moisture process we provide you with an alternative to the musty smelling, mildew odor in your carpets. You can avoid further indoor air pollution consistent with harsh chemicals and leading to unhappy houseguests. Via our proprietary cleaning process and 100% safe, non-toxic and non-flammable ingredients, your rooms and hallways are quickly ready for occupancy about an hour after cleaning, SAVING time! Carpet Photo Before Carpet Cleaning Photo After

Testimonial

Thank you for your prompt, professional and high quality job you performed for us. Our dog has been a real sweetheart, but he does make a mess now and again. Thank you for removing any signs of his mess and helping to save the dog and my marriage. The carpet looks great, and my wife is now able to have friends come over because she does not have to worry about those nasty spots in the rug the dog left behind.

Thank you once again.

Todd & Jennifer C.
Minneapolis, MN

Call Mel at 763-670-3003

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