FHA USDA mortgage calculator APP for Apple

FHA USDA mortgage calculator Apple App automatically calculates your Wisconsin monthly mortgage payment including up front and monthly mortgage insurance.

Are you tired of seeing all the mortgage calculators that show a $200,000 home with only an $800 payment per month? When you read the fine print it doesn't include taxes, insurance, mortgage insurance and you have to put at least 20% down.

This mortgage calculator app is simple to use and will give you a more accurate total mortgage payment including the cost of USDA guarantee fee & FHA's Up front mortgage insurance along with the monthly mortgage insurance "PMI". It also includes the cost of home insurance & real estate taxes that you will be escrowing for.

Download on the App store today

For Android users


Let me know what you think.

Ron Meyer
(920) 213-0428
www.gsfron.com
rmeyer@gogsf.com
Home of the no appraisal refinance
Email subscribe to receive future updates.

Why you should buy a home now vs rent

I hear all the time people say for what I'm paying in rent I could own a house. You can purchase a home with no money down via USDA Rural Housing or with a VA loan if you are a veteran. FHA also has financing with downpayments as little as 3.5%

With spring here now is a great time to get preapproved to purchase a home. Interest rates are still very low and are expected to rise throughout the year. In addition the housing market is heating up and we are seeing a rise in home values. Buying a home now makes a lot of sense vs waiting until fall when interest rates and home prices could be higher.

Even if you have been turned down in the past for financing now is a great time to see if you can get preapproved to buy a home. Lenders have loosened up their qualifications including lowering the minimum credit scores and allowing higher debt to income ratios.

Contact me today to get preapproved to purchase a home and start building equity in your home vs your landlords.

Ron Meyer
(920) 213-0428
www.gsfron.com
rmeyer@gogsf.com
Home of the no appraisal refinance
Email subscribe to receive future updates.

Escrow shortage & why my Wisconsin mortgage payment went up

Escrow shortage and why my Wisconsin mortgage payment went up


I get asked the following question every spring. Why did my Wisconsin monthly mortgage payment go up when I have a fixed rate? It doesn’t matter if you have an FHA, VA, or Conventional mortgage as long as you escrow for real estate taxes & home insurance your monthly payment will adjust each year. The fixed part of your payment is the principal & interest.

In the spring your lender will do an escrow analysis of the prior years payments. If your taxes or insurance went up or down they will adjust the amount that goes into your escrow account resulting in either a higher or lower total monthly mortgage payment.

If your real estate property taxes recently went down you can request an escrow analysis at anytime. The lender will typically request you send them a copy of the most recent tax bill & home insurance. If your assessment went down, but you don’t have a new tax amount they typically won’t adjust your escrow until after the new tax bill comes out.

Ron Meyer
(920) 213-0428
www.gsfron.com
rmeyer@gogsf.com
Home of the no appraisal refinance
Email subscribe to receive future updates.
NMSL 222688

Use Wisconsin tax return for downpayment on home purchase

Tired of paying rent with nothing to show for it? Use your Wisconsin tax return as a downpayment to buy a home. GSF Mortgage has many loan programs available to help you out whether you are a first time homebuyer or a current homeowner looking to move into a larger home.

FHA Mortgage with as little as 3.5% down which can be gifted
VA & USDA Rural Housing loans with 100% financing no money down
Conventional loans with as little as 5% downpayment.

Give Ron Meyer at GSF Mortgage in Little Chute, Wisconsin a call today at 920-788-9608 or apply online at www.gsfron.com to get preapproved today while rates are still low and before home values go higher this year.

Ron Meyer
(920) 788-9608
www.gsfron.com
rmeyer@gogsf.com
Home of the no appraisal refinance
Email subscribe to receive future updates.

GSF Mortgage Black Friday Sale 2013

GSF Mortgage Black Friday sale.

Free Wisconsin home inspection on all Wisconsin mortgage home loans closed with Ron Meyer at GSF Mortgage in Little Chute, WI.

Not a person who gets up at 3am to go shopping and fight the large crowds to save a few bucks? GSF Mortgage has a Black Friday sale for you. Log onto www.gsfron.com and apply online for a home loan and get a free Wisconsin home inspection.

Free home inspection offer is valid for home loans that close with Ron Meyer at GSF Mortgage on or before February 14th, 2014. To receive your free home inspection type Black Friday in the comments section of the application. All applications must be received by Sunday December 1st, 2013 to be eligible for a free home inspection.

On closing day you will receive a reimbursement check for your home inspection up to $350.

Ron Meyer
(920) 213-0428
www.gsfron.com
rmeyer@gogsf.com
Home of the no appraisal refinance
Email subscribe to receive future updates.

FHA Back to Work Wisconsin mortgages

FHA Back to Work program allows Wisconsin borrowers to purchase a home with a recent bankruptcy, foreclosure, deeds-in-lieu, and short sales. Some of the program highlights are as follows:

· Minimum FICO score of 640 for loan amounts <= $417,000; · Minimum Fico score of 660 for loan amounts > $417,000;

· Economic Event out of the borrowers control resulting in a reduction of household income of 20% or more for at least 6 months.

· Borrower must have reestablished a satisfactory credit history for at least 12 months;

· Borrower has fully recovered from the Economic Event;

· The borrower must have attended an approved housing counseling program at least 30 days but no more than 180 days prior to the initial loan application; and

· All other HUD requirements are met.

Give me a call or email me today to see if you qualify for this program.

Ron Meyer
(920) 213-0428
www.gsfron.com
rmeyer@gogsf.com
Home of the no appraisal refinance
Email subscribe to receive future updates.

How your mortgage loan is affected by the government shutdown

Looking to close on the purchase of your home soon and have questions how the government shutdown with affect your mortgage home loan?

Here are some answer to questions. Please post a comment below if you have more information to share or a question.

Lenders are unable to order tax transcripts and SSA at this time. Transcripts are needed for all types of loans.
Conventional & VA loans are business as usual barring your lender has tax transcripts.
USDA Rural Development loans are on hold if you don't already have a conditional commitment. If you rec'd a conditional commitment already you shouldn't have an issue being able to close.
FHA loans FHA Connection is working. Lenders are able to order/update case numbers and order Caivrs

Watch your rate lock and stay in contact with your lender. Extending your lock could cost you money and the cost is determined by how long you need to extend if for. If your APR moves by more than .125% there is a mandatory 3 business day wait time to close once your new APR is disclosed.

Ron Meyer
(920) 213-0428
www.gsfron.com
rmeyer@gogsf.com
Home of the no appraisal refinance
Email subscribe to receive future updates.

Rising Wisconsin Mortgage interest rates and how much you can afford.

Wisconsin mortgage interest rates have risen steadily the past month. With a sharp increase happening in the past few days alone.

Here's a breakdown how rising interest rates effect a monthly mortgage payment with a $150,000 balance for 30 years.
3.5% $673
4% $716
4.5% $760
5% $805

If you were approved for up to a $150,000 loan with a $716 payment you now would be approved for a $133,500 loan.

Contact me today to see how the change in interest rates will change how much home you can afford.

Ron Meyer
(920) 213-0428
www.gsfron.com
rmeyer@gogsf.com
Home of the no appraisal refinance
Email subscribe to receive future updates.

FHA raises monthly mortgage insurance

FHA monthly mortgage insurance premiums are going up for all new FHA case numbers assigned on or after April 1, 2013.

The monthly mortgage insurance premiums are being raised 10 bps on all loans <$625,500 and 5 bps on all mortgages > $625,500.

On a $150,000 loan 10 bps will equal about $12.50 more per month you will pay.

FHA is cancelling the automatic removal of monthly mortgage insurance once your loan to value is <78%.

The following loan to value % is based on at time loan is taken out and how long the monthly mortgage insurance will remain.

15 year <78-90% ltv 11 years

15 year >90% ltv life on the loan

>15 year term <90 % ltv 11 years

>15 year term >90% ltv life of the loan


If you are currently looking to purchase or refinance your Wisconsin mortgage save yourself some money by locking in and having your FHA case number pulled prior to April 1, 2013. The loan doesn’t need to close by April 1st, you just need to have your lender pull an FHA case number by then.

Ron Meyer
(920) 213-0428
www.gsfron.com
rmeyer@gogsf.com
Home of the no appraisal refinance
Email subscribe to receive future updates.

FHA USDA mortgage calculator app calculates mortgage insurance

FHA & USDA Rural Housing Wisconsin mortgage calculator app for Android.

click here for FHA & USDA app for Android


Looking for a calculator that calculates the total cost of your mortgage and not just the principal and interest? This application automatically calculates the monthly mortgage insurance "pmi". It also calculates automatically FHA's up front mortgage insurance premium and USDA guarantee fee.

If you are looking to get preapproved to purchase a home in Wisconsin give me a call or apply online.

Ron Meyer
(920) 213-0428
www.gsfron.com
rmeyer@gogsf.com
Home of the no appraisal refinance
Email subscribe to receive future updates.

Tired of renting?? Start 2013 off in your new home

Tired of renting and helping your landlord get rich? Start 2013 off right in your new home.

Check out our new radio spot on WNCY Y100.

listen to ‘Start the new year in your new home.’ on Audioboo

Dreams approved daily.

Ron Meyer
(920) 213-0428
www.gsfron.com
rmeyer@gogsf.com
Home of the no appraisal refinance
Email subscribe to receive future updates.

#NONFL boycotting watching Thursdays game

After Mondays nights officiating I'm not watching this Thursdays game on the NFL Network in protest. The replacements refs I can't get down on too much, they really aren't qualified and are doing the best they can. We all have a choice to watch or not watch and Thursday I'm not watching the game. This past Sunday was painful to watch the games on Sunday ticket. If it wasn't for fantasy football I probably wouldn't have even watched the games other than the Chargers. As a Packers fan last nights game was just icing on the cake. There were blown calls that went for and against the Packers.


Anyone else not watching Thursday game or Sundays games?


Post a comment, share on Facebook or retweet if you agree #NONFL

Wisconsin USDA Rural Housing purchase or refinance funds available

USDA Rural Housing offers homebuyers in Wisconsin to purchase a home with no money down 100% financing mortgage home loans.

USDA Rural Housing also offers a streamlined refinance where you can refinance your current Wisconsin mortgage loan without needing an appraisal.

Many lenders out there are currently not accepting new USDA loans, however we are able to fund and close your loan.

Give me a call today at (920) 788-9608 or email me
www.gsfron.com
rmeyer@gogsf.com
Home of the no appraisal refinance
Email subscribe to receive future updates.

Brewers vs Pirates Labor Day Weekend contest. NFL pick em starts next week

Guess total runs the Milwaukee Brewers will score in the series against the Pittsburch Pirates. Goto GSF Ron on Facebook select like at the top of the page and post your predictions below the video. GSFRon on Facebook





Ron Meyer
(920) 213-0428
www.gsfron.com
rmeyer@gogsf.com
Home of the no appraisal refinance
Email subscribe to receive future updates.

USDA changes to Guarantee and Annual Fee

USDA fiscal year is coming to an end for 2012. Effective October 1, 2012 which is the start of the Fiscal year 2013 rural development is revising the Up-Front Guarantee Fee and Annual Fee.

Up-Front Guarantee fee will remain the same at 2% for purchases. Refinances are going from 1.5% to 2% of loan amount.

Annual Fee will be increasing on purchases & refinances from .3% to .4%.

USDA offers financing on home purchases with no money down.

If you are looking to purchase a home via USDA Rural Housing you still have time to close before the new Annual Fee take effect.

Give me a call or email if you have any questions or would like to get approved for a USDA Rural Housing loan.

Ron Meyer
(920) 213-0428
www.gsfron.com
rmeyer@gogsf.com
Home of the no appraisal refinance
Email subscribe to receive future updates.

NFL pick em contest rules

Rules

Click here to sign up pick em contest

FREE TO PLAY!

Basics

The concept of NFL Pick 'Em is simple: pick the winners of each game each week.

To enter, fill in the entry form by selecting the outcome of each game.

Pick who will win each NFL game. 1 point for each correct. The person with the most points for the week is the winner. In case of a tie enter total points scored for the Monday night game.

At the end of each half & the football season the person who has the most points is the winner. The final tie breaker is determined by who has the better overall pick ratio (correct picks / total picks).

Prizes
Weekly "Make sure you fill in the total pts scored tiebreaker" •$10 gift card
Guess all games correct in any week. Must pick a winner for every game that week. •$100 gift card
First half total points combined for weeks 1 through 8. The final tie breaker is determined by who has the better overall pick ratio (correct picks / total picks). •1st place $50 gift card
•2nd place $25 gift card
Second half total points combined for weeks 9 through 17. The final tie breaker is determined by who has the better overall pick ratio (correct picks / total picks). •1st place $50 gift card
•2nd place $25 gift card
Season total points combined for all 17 weeks. The final tie breaker is determined by who has the better overall pick ratio (correct picks / total picks). •1st place $100 gift card
•2nd place $50 gift card
•3rd place $25 gift card

Making and Changing Entries

When filling in an entry form, you do not have to make a pick for each game. This is helpful if there are early games scheduled for a given week (games played on a Thursday, Friday or Saturday). You may make your picks for these games beforehand and complete the rest later.

Games are automatically locked out on the entry form according to their scheduled date and time. Early games are locked at the start of the individual game. All remaining games (including the Monday Night Football game) are locked at the scheduled start time of the first Sunday game.

Note: all times displayed on the schedule are Eastern.

You may change your pick for any game up until the time that game is locked.

Entries must be completed on time. Once a game is locked, you may not change your pick for it. If you did not make a pick for a particular game, it is counted as a loss. If you submit a partial entry and either forget or are unable to complete it, the games you did not pick will count as losses.

Free NFL pick 'em contest to win a $100 gift card weekly

NFL pick 'em contest sponsored by GSF Ron. Sign up today for your chance to win up to a $100 gift card weekly.



Friend us on Facebook at GSFRon
Click here to sign up for the contest
Ron Meyer
(920) 213-0428
www.gsfron.com rmeyer@gogsf.com
Home of the no appraisal refinance
Email subscribe to receive future updates.

Milwaukee Brewers vs. Houston Astros contest

Goto GSF Ron on Facebook select like at the top of the page and post your predictions below the video. GSFRon on Facebook





Ron Meyer
(920) 213-0428
www.gsfron.com
rmeyer@gogsf.com
Home of the no appraisal refinance
Email subscribe to receive future updates.

Brewers vs Diamondbacks contest to win a Cousins Subs gift card.

Guess the total runs the Brewers will score in the series to win a Cousins Subs gift card.

Goto GSF Ron on Facebook select like at the top of the page and post your predictions below the video. GSFRon on Facebook





Ron Meyer
(920) 213-0428
www.gsfron.com
rmeyer@gogsf.com
Home of the no appraisal refinance
Email subscribe to receive future updates.

Brewers vs Twins contest to win a Dairy Queen gift card.

Week 59 contest to win a $10 Dairy Queen gift card. Guess the total runs the Milwaukee Brewers will score in the series against the Minnesota Twins. Goto GSF Ron on Facebook select like at the top of the page and post your predictions below the video. GSFRon on Facebook




Ron Meyer
(920) 213-0428
www.gsfron.com
rmeyer@gogsf.com
Home of the no appraisal refinance
Email subscribe to receive future updates.