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Is the Dream America Program Just for Folks with Bad Credit?

The Dream America Program is just for people with bad credit, right?  WRONG. 

Clients that are mortgage-ready but need to sell their current home before they can buy a new house love Dream America.  Why does that happen?  One of the criteria every mortgage lender looks at is a borrower's "debt to income ratio".  To calculate this, they add up your monthly payments - mortgage, car, credit card, etc and divide it by your income.  If .............



Last Minute Glitch with Your Mortgage? Dream America to the Rescue!!

You are pre-approved for a mortgage. After a time-consuming house search, you have an accepted offer on the house you want!  Everything is progressing through underwriting and heading to close.  Then the dreaded call from the mortgage lender comes…..”WE HAVE A PROBLEM.”  Maybe you are lucky enough to extend the closing and the problem is resolved.  Or maybe not.   And now you are frustrated and your .............



Should I lease or lease to own?

The decision to lease versus lease to own is dependent on many factors given one’s personal and family situation and goals.  The best alternative may be for you to continue to rent and buy in the future.  However, if housing prices continue to rise, you will end up paying more in a year from now than you would today.  Perhaps your lease is ending and you need to move soon.  Leasing to own would allow you to move into .............



The Dream America Home Buying Process

Once your application is approved, you and your agent will receive an onboarding email with the steps needed to complete the process which includes a maximum home purchase price. The welcome email will explain that in order to secure your spot in our program, you need to immediately send $500 to Dream America. This is not an additional fee because it is credited back towards your 1st month’s .............



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