{"id":1175,"date":"2023-11-01T18:24:37","date_gmt":"2023-11-01T18:24:37","guid":{"rendered":"https:\/\/nysck.com\/georgiamortgage.com\/?page_id=1175"},"modified":"2024-01-24T17:13:48","modified_gmt":"2024-01-24T17:13:48","slug":"hometown-heroes","status":"publish","type":"page","link":"https:\/\/nysck.com\/georgiamortgage.com\/hometown-heroes\/","title":{"rendered":"Hometown Heroes"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; fullwidth=&#8221;on&#8221; admin_label=&#8221;Page Header&#8221; _builder_version=&#8221;4.23.4&#8243; background_image=&#8221;https:\/\/nysck.com\/georgiamortgage.com\/wp-content\/uploads\/2024\/01\/Untitled-design-2024-01-18T092616.580.png&#8221; parallax=&#8221;on&#8221; animation_direction=&#8221;top&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_fullwidth_header title=&#8221;Hometown Heroes&#8221; text_orientation=&#8221;center&#8221; admin_label=&#8221;Hero Section&#8221; _builder_version=&#8221;4.22.2&#8243; 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button_two_letter_spacing__hover_enabled=&#8221;on&#8221; button_two_letter_spacing__hover=&#8221;2&#8243; button_one_bg_color__hover_enabled=&#8221;on&#8221; button_one_bg_color__hover=&#8221;#ffffff&#8221; button_two_bg_color__hover_enabled=&#8221;on&#8221; button_two_bg_color__hover=&#8221;#ffffff&#8221;][\/et_pb_fullwidth_header][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.23.4&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;45px||0px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;3_5,2_5&#8243; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; header_2_font=&#8221;Barlow|700|||||||&#8221; header_2_font_size=&#8221;36px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Hometown Heroes<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Barlow|300|||||||&#8221; text_orientation=&#8221;justified&#8221; custom_margin=&#8221;||1px|||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>Prospective homebuyers with robust incomes and modest savings might discover an enticing opportunity in the form of the Freddie Mac HomeOne\u00ae mortgage. This distinctive program allows aspiring homeowners to secure a property with a mere 3% down payment, setting it apart from several other low-down-payment initiatives. Remarkably, HomeOne imposes no income limitations, going a step further by permitting the entire down payment to be a gifted contribution. Let&#8217;s delve deeper into the details:<\/span><\/p>\n<p>[\/et_pb_text][et_pb_text ul_position=&#8221;inside&#8221; ul_item_indent=&#8221;10px&#8221; _builder_version=&#8221;4.23.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Barlow|300|||||||&#8221; text_orientation=&#8221;justified&#8221; custom_margin=&#8221;||0px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; custom_padding=&#8221;18px|||||&#8221;]<\/p>\n<ul style=\"padding-bottom: 0px;\">\n<li><span>No borrower income or location constraints. <\/span><\/li>\n<li><span>No minimum borrower contribution required. Zero down payment allowed, and 3% down can be gifted. <\/span><\/li>\n<li><span>Up to 97% LTV (Loan-to-Value) and 105% CLTV (Combined Loan-to-Value).<\/span><\/li>\n<li><span> Only one borrower must be a first-time homebuyer. <\/span><\/li>\n<li><span>Consideration of future employment income. <\/span><\/li>\n<li><span>Maximum 50% Debt-to-Income (DTI) ratio. <\/span><\/li>\n<li><span>Eligible for purchase and no-cash-out refinance. <\/span><\/li>\n<li><span>Available for Single-Family Residences (SFR), Owner-Occupied (OO), Condos, and Townhomes.<\/span><\/li>\n<li><span>FICO scores accepted from 620 \u2013 only one borrower needs a qualifying score. <\/span><\/li>\n<li><span>Mortgage Insurance (MI) can be removed without refinancing. <\/span><\/li>\n<li><span>Offers a lower down payment option compared to FHA. <\/span><\/li>\n<li><span>Allows up to 105% LTV\/CLTV, accommodating Affordable Seconds that meet FHLMC (Freddie Mac) guidelines.<\/span><\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.23.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Barlow|300|||||||&#8221; text_orientation=&#8221;justified&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;17px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>\u00a0Mortgages101.com is an approved broker with Lenders that utilize Freddie Mac so we\u2019re <\/span><span>well-equipped to expedite the funding process for this loan. Our mission is to assist in qualifying more borrowers and achieving heightened success in this dynamic market. Together, we&#8217;ll secure the funding you need!<\/span><\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/nysck.com\/georgiamortgage.com\/quote\/&#8221; button_text=&#8221;Fast Quote&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.23.4&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][\/et_pb_column][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/nysck.com\/georgiamortgage.com\/wp-content\/uploads\/2024\/01\/side-banner-V1.jpg&#8221; title_text=&#8221;Side Banner&#8221; _builder_version=&#8221;4.24.0&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; border_radii=&#8221;on|30px|30px|30px|30px&#8221; global_colors_info=&#8221;{}&#8221; url=&#8221;https:\/\/nysck.com\/georgiamortgage.com\/contact-us\/&#8221; sticky_enabled=&#8221;0&#8243;][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Hometown HeroesProspective homebuyers with robust incomes and modest savings might discover an enticing opportunity in the form of the Freddie Mac HomeOne\u00ae mortgage. This distinctive program allows aspiring homeowners to secure a property with a mere 3% down payment, setting it apart from several other low-down-payment initiatives. Remarkably, HomeOne imposes no income limitations, going a [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-1175","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/nysck.com\/georgiamortgage.com\/wp-json\/wp\/v2\/pages\/1175","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/nysck.com\/georgiamortgage.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/nysck.com\/georgiamortgage.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/nysck.com\/georgiamortgage.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/nysck.com\/georgiamortgage.com\/wp-json\/wp\/v2\/comments?post=1175"}],"version-history":[{"count":9,"href":"https:\/\/nysck.com\/georgiamortgage.com\/wp-json\/wp\/v2\/pages\/1175\/revisions"}],"predecessor-version":[{"id":1943,"href":"https:\/\/nysck.com\/georgiamortgage.com\/wp-json\/wp\/v2\/pages\/1175\/revisions\/1943"}],"wp:attachment":[{"href":"https:\/\/nysck.com\/georgiamortgage.com\/wp-json\/wp\/v2\/media?parent=1175"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}