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House Smart Realty, LLC Home Tours

Price Reduced!
3 Bedrooms, Loft 2.5 Baths 
Perry Township Schools
Move-In Ready!
$125,900

    Just Listed
3 Bedrooms 2.5 Baths
    Warren Schools
Only $101,000
Sellers Very Motivated!

USDA Financing- No Money Down - No PMI
Payments as low as 1% Interest
Ranch Homes starting at $99,900
Click here for more details  

CREDIT ISSUES STOPPING YOUR FROM OBTAINING
YOUR DREAM OF HOME OWNERSHIP?

Let us help!  Sometimes it's not as bad as it seems and then again sometimes it's worse than we thought.  In cases where there are old collections, no new credit, or just mistakes on the report we can usually help.  If it's beyond our expertise we can introduce you to a couple of agencies that can help you for a nominal fee.  These companies have to charge a fee or they would go out of business.  We do not receive any compensation from these companies.   We offer our services for free because we know that once your credit scores increase to a point where you can get financing you will buy a house with us and we are paid by the seller.   

So don't let credit issues stop you from trying to get a house, there is hope.  It might take a little time, some homework on your part and you might have to pay off those debts that are keeping you from getting financing, but in the long run it will be worth it!

IMPORTANT INFORMATION ON CHANGES WITH USDA STARTING IN OCTOBER
3-2-11
USDA announced yesterday that they will be reducing the up-front funding fee from 3.5% back to 2% but will also be adding a monthly MI of .03%.

USDA Guaranteed & Direct
The USDA Guaranteed is a program that guarantees loans thought qualified lenders.  The USDA Direct program goes directly though the USDA no lenders are involved.  Both programs are based on the size of the household and the total income in the household. To see if you qualify for the programs click the USDA logo below.

House Smart Realty, LLC will help you though the process and help you find eligible homes.    

(click)    

USDA Direct Information Sheet If you would like to receive a printable PDF sheet with a list of frequently asked questions about the USDA Direct program, please complete this form and we will promptly email you a copy! First & Last Name: Email: Daytime Phone: Evening Phone: Address Street 1: City: Zip Code: (5 digits) Security Code: *

                                        

Credit Application Please complete in full to run a credit report. Applicant Information First Name: Last Name: Address Street 1: Address Street 2: City: State: AL AK AZ AR CA CO CT DE DC FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY Zip Code: (5 digits) Date Of Birth: Social Security Number: Employer Name: Start Date Month: January February March April May June July August September October November December Start Date Year: 1900 1901 1902 1903 1904 1905 1906 1907 1908 1909 1910 1911 1912 1913 1914 1915 1916 1917 1918 1919 1920 1921 1922 1923 1924 1925 1926 1927 1928 1929 1930 1931 1932 1933 1934 1935 1936 1937 1938 1939 1940 1941 1942 1943 1944 1945 1946 1947 1948 1949 1950 1951 1952 1953 1954 1955 1956 1957 1958 1959 1960 1961 1962 1963 1964 1965 1966 1967 1968 1969 1970 1971 1972 1973 1974 1975 1976 1977 1978 1979 1980 1981 1982 1983 1984 1985 1986 1987 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 Job Title: Employer Phone: Annual Income: Other Income: Number Of Dependents: Filed Bankruptcy?: If so, when?: Co-Applicant Information Co-App First Name: Co-App Last Name: Co- App Date Of Birth: Co-App Social Security Number: Co-App Employer Name: Co-App Start Date Month: January February March April May June July August September October November December Co- App Start Date Year: 1900 1901 1902 1903 1904 1905 1906 1907 1908 1909 1910 1911 1912 1913 1914 1915 1916 1917 1918 1919 1920 1921 1922 1923 1924 1925 1926 1927 1928 1929 1930 1931 1932 1933 1934 1935 1936 1937 1938 1939 1940 1941 1942 1943 1944 1945 1946 1947 1948 1949 1950 1951 1952 1953 1954 1955 1956 1957 1958 1959 1960 1961 1962 1963 1964 1965 1966 1967 1968 1969 1970 1971 1972 1973 1974 1975 1976 1977 1978 1979 1980 1981 1982 1983 1984 1985 1986 1987 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 Co- App Annual Income: Co- App Other Income: Co App Number of Dependents: Co-App Filed Bankruptcy?: Co- App If so, when?: Contact Information Daytime Phone: Applicant Cell Phone: Co-Applicant Cell Phone: Evening Phone: Email: Other Information Comments: Enter any other pertinent information here! I authorize House Smart Reatly, LLC and/or conniejurey.com to verify my credit and employment history through an authorized mortgage lender. Security Code: *

Your credit report will not be obtained unless you
check the authorize box. 

If you receive an error message, please try to submit the information again.  You will know the application went through if you are on the "Home" page after you hit submit. I apologize for the inconvenience.


App Fee is for Rental Applications Only

Applicants

One Applicant $30.00 Two Applicants $60.00