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George Chiriboga | Chiriboga Realty LLC Blog

Thursday, November 30, 2017   /   by George Chiriboga

FREE Home Buyer Class in Houston TX

Home Buying Class in Houston, TX, Helps Houston Buyers Find Their Dream Home...
Houston, Texas – Buying a home is a complex process. Title Insurance – inspections – negotiations – mortgages. To help ensure that your home purchase is profitable and problem free, three area companies have teamed up to sponsor a home buyer’s class to teach you the secrets of successful home buying.
The class is presented in an information packed two-hour format and held at 5555 West Loop S #420, Bellaire, TX, 2 miles south of the Galleria area. Whether you personally own a home or whether this is your first time, you will learn new tips and strategies for getting the best buy and the best mortgage.
At the class, you’ll learn:

How much home can I afford?
How to buy HUD homes?
What government programs do I qualify for?
How many zero down home loan programs do I qualify for?
What are closing costs?
What are the important differences between new and m ...

Friday, November 10, 2017   /   by George Chiriboga

"We loved working with Jorge and Suzanna"

The day we found out about this house, we were hours away from flying to San Diego for a 3-day trip. And, to make it more interesting, there were already three strong offers submitted on the house.
We coordinated with the listing agent the showing of this home, contacted our preferred lender to get them pre-approved ASAP, quickly studied the market values in this neighborhood, prepared our offer, and presented it in a way that the seller would love to have the Hance's as their buyers.
After the offer was submitted, we negotiated the terms from our hotel in San Diego, got it under contract the same night, and immediately proceeded to satisfy the contingencies agreed in the contract to make it a smooth process, and it was!
We loved the whole process!!!
As a Certified Residential Specialist REALTOR® , I am committed to providing such extraordinary service and expertise that you will gladly refer your friends, family and acquaintances. With your help I am able to build strong bus. ...

Friday, October 20, 2017   /   by George Chiriboga

Up to $15,000 in Downpayment Assistance

This program allows qualified Texans access to competitive interest rate home loans and down payment and closing cost assistance. Homebuyers who meet the following minimum requirements are eligible to apply for a loan under the program:
First time or non-first time buyers
Maximum income for a family of 3 or more in Harris and Fort Bend counties: $82,225
Maximum income for a family of 3 or more in Brazoria County: $98,440
Maximum Purchase price in Harris, Fort Bend & Brazoria counties: $304,941
Minimum FICO score 620

Program Benefits

A 30-year fixed interest rate mortgage loan, several rates and loan options available
Down payment assistance (DPA) 3% to 5% of the loan amount
You do not have to be a first-time homebuyer
Not required to live in the home for any set period of time
DPA is a gift that never needs to be repaid
First time buyers can apply for the Mortgage Credit Certificate (MCC) Program

It's a fast, simple process. You only need to apply with an approve. ...

Friday, October 20, 2017   /   by George Chiriboga

Up to $35,000 Home Mortgage Tax Credit

The Texas Department of Housing and Community Affairs created its Texas Mortgage Credit Program for the residents of Texas, to help make ownership of new and existing homes more affordable for individuals and families of moderate income, especially first time buyers. You can receive up to $2,000 in dollar for dollar credit per year. If you stay in your home for the entire term of the loan, you could receive in return up to $35,000 in tax credit. This is an actual credit, not a tax deduction.
What is a Mortgage Credit Certificate? A Mortgage Credit Certificate allows the homebuyer to claim a tax credit for some portion of the mortgage interest paid per year. It is a dollar for dollar reduction against their federal tax liability.
Note: The Mortgage Interest Credit (MCC) is a non-refundable tax credit, therefore, the Homebuyer MUST have tax liability in order to take advantage of the tax credit.
Who is eligible to receive an MCC? The program is open to those individuals and families w. ...

Wednesday, October 4, 2017   /   by George Chiriboga

How to Buy a Home with Zero Down in Houston TX

If you are unsure about whether or not you can buy a home, please read below about the different ways to buy a home.
You, like many people never buy the home of their dreams simply because they don't think they have enough money for the down payment and closing costs. They've been told that they need to have some money saved for closing costs  and the mandatory downpayment (3.5%, 5%, 10%, 20%, etc). Well, this simply isn't true completely.
So why have so many people told them this?
Quite honestly, it's because selling homes to people with 3.5%, 5%, 10% or 20% down is easier than selling homes to people who have little or no money for a down payment. Most agents would rather go after the "easy sale" than try to help people who have special needs.
This report is specially designed for people with good or decent credit and sufficient stable income, but who just don't have much money for a down payment.
Option 1: First Time Home Buyer Programs
Some Housing Development Aut. ...