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This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)
Directors Mortgage, LLC (Mitsuko Miller)
Secure in accordance with your future plans ・ We will introduce you to a mortgage loan that will satisfy your needs. Peace of Mind ・ We can help you find a mortgage that fits your future plans. When you are ready to buy a home, please consult with a loan company first, and at Directors Mortgage we offer both bank and broker programs. We will help you choose the best plan for you by informing you of the advantages and disadvantages of each !.
Most people will first contact a real estate agent when buying a house.
Then they will ask, "Do you have a Pre-approval Letter?
In the U.S., when you buy real estate, when you make an offer to the seller ( the buyer proposes the asking price and other conditions to the seller ) with this document called Pre-approval Letter.
This will allow the buyer to "go talk to the loan company and prove that he/she is able to obtain a loan".
This is because the seller has decided to accept the asking price and other conditions proposed by the buyer ( and our offer is accepted ), but "I went to the bank and the loan was not approved" would be a waste of the seller's time.
Therefore, before contacting a real estate agent, it is ideal to contact a loan company ( bank or broker ) to confirm the loan amount, monthly repayments, and other details to choose the right program for you and find out what price you can afford. The ideal way to find out how much you can afford to buy. This will make it more efficient for the real estate agent looking for the property.
Easily communicate via e-mail or phone We will calculate your possible loan amount.
At this point, consultation ・ Estimate is free.
Now you can find your desired property online yourself.
Some properties sell quickly, so it is more convenient to search for them yourself in a timely manner.
・ 2 pay stubs ( )
・ Bank Statement Bank statement ( 2 months
・ Tax Return tax forms ( 2 years )
・ W-2 Forms Withholding Tax ( 2 years )
・ Employment History
*If you live in Japan and do not have the documents If you live in Japan and do not have the necessary documents, you can still get a loan through the Foreigners' Program.
Others
Divorced, child support payments, down payment by gift ( ), car loan balance, student loan balance, etc.
Apply Now ➡ < Apply Now >
For Japanese, please email ・ Call
mitsuko.miller @directorsmortgage.net
206-679-3371
All loans are designed to be 30, 25, 20, or 15 years 10 years in length.
Consider choosing a program based on your intended use, even if your future income changes, how long you will live there, etc.
① Fixed interest rate : Rate is fixed and determined.
② Variable interest rate : 30-year loan. Fixed rate for the first 10, 7, or 5 years only, then replaces variable.
Plans with annual rate review or every 6 months.
③ Interest ・ Only ( Interest Only ) : A loan where you only pay interest for the first years. The monthly repayment is less than that of a regular loan.
④ Jumbo Loans : Ordinary Loans ( Conventional Loans■) have a fixed maximum amount that can be borrowed. Any loan above that amount will be a Jumbo Loan and the rate will be lower now.
⑤ Loans available to VA : Veterans ( Veteran ). Zero down payment.
⑥ FHA : Loan guaranteed by the U.S. Government ( Federal Housing Administration.
⑦ Reverse Mortgage : A loan for seniors age 62 and older. Loan but no monthly payments. Only property taxes and fire insurance paid.
Buying real estate is a big purchase. Sometimes you will know what you really want as you consult with us.
I think it is best to find a professional who listens and consults well.
Caution ! Please be careful not to be swayed by immediate benefits such as "low rates" or "they pay closing costs".
Most ordinary loans ( Conventional Loans ) nowadays, the rates are almost the same for everyone.
Also, when they say they will pay the closing costs, it is not always free and we are always expected to pay our share somewhere.
When you go to a big bank, they only have a standard program. If you have no credit history, it is difficult with a bank.
If you go to a broker, they offer many programs that banks do not.
*If you are self-employed, the calculation of your income is different from a salary earner, so your broker will be very helpful in showing you various methods.
Directors Mortgage offers both bank and broker programs.
We will select the best plan for you, informing you of the advantages and disadvantages of each !
Loan but no monthly repayment & Only property tax and fire insurance payment Loan for seniors over 62 years old. You can repay the loan when you sell the property, so those with low income can purchase a home. This is a great option for those who are moving from a large home to a condo or other property after their children leave the nest.
Age 62 41.0%
Age 66 43.8%
Age 70 46.5%
Age 76 49.8%
80 years old 53.4%
86 years old 60.3%
97 years old or older 74.0%
For example … If a 76-year-old moves as follows
◆Current home $ 500,000
◆Condo you want to buy $ 300,000
< If you buy in cash without a loan >
Amount left $ 500,. 000- $ 300,000= $ 200,000
< With reverse mortgage >
◎49.8% mortgage can be made Condo price ( $ 300,000 ) Pay about half of $ 150,000 for the amount left over $ 500,000- $ 150,000= $ 350,000
↓
$ 150, 000 more than if you bought with cash 000 more than if you bought with cash !
You can use the money to repair your current home or move !
~ 3 highlights about using a reverse mortgage ~
#1
#2 Problems can arise when you suddenly need cash when you least expect it, such as when you need a large sum of money for roof repairs, medical bills, or car repairs. With a regular loan, monthly payments begin, but with a reverse mortgage, no payments occur. This program was created so that seniors can use their homeownership and not have to worry about money problems.
#3 Increase your retirement income. We live in a world of fast-paced political and economic change. Even if you think you have a retirement plan in place, you can't help but feel anxious about the future. Recently, financial planners have begun to focus on reverse mortgages. In addition to Social Security, you can also use a reverse mortgage to create, for example, $ 1000 extra income each month. ( Unlike in the past, the FHA rules have improved and financial planners are now comfortable recommending this mortgage. The cost of the loan is now the same as a regular loan. )
★ Reverse mortgage repayments can be returned when the condo is sold, so the money may be reversed if the property has increased in value.
★ While you live there, you only pay property taxes and fire insurance and do not have to repay any loan.
★ We recommend starting after age 70 rather than 62.
In some cases, you may not need to use a reverse mortgage. We will work with you to find the best plan for your individual budget.
Has clients throughout the US and can respond to inquiries from Japan.
He regularly conducts free seminars in Seattle and Portland with real estate companies.
He says he wants to deliver accurate information because there have been cases in the past where Japanese people often lost money without understanding about loans.
CA / WA / OR If you are thinking of purchasing a property
please feel free to contact us.