Melva Wheatley McCann - Warrior

I love this statement from the Robinhood movie - “I did not come here to join you, I came to lead you!”

I'm tooting my own horn again! I just love my "job"!

Received an appraisal waiver on this refinance, got a same-day approved with condtions and Cleared to Close in 4 days!!

Can you say FAST & EASY??!!

The seasons are changing and so are loan limits!!

WE ARE GIVING OUR BORROWERS A HUGE ADVANTAGE STARTING TODAY!

With home prices rising across the country,

FHFA is expected to raise the conforming loan limit in November, 2021.

Many lenders are anticipating $625,000 as the new 2022 conforming loan limit in all states."

We, at Central Mortgage, have lenders honoring the antipated new Conforming loan amount NOW!!

A mortgage of $625,000 is NO LONGER a JUMBO LOAN with JUMBO INTEREST RATES!

It is a Conforming loan with Conforming interest rates!!

This is awesome news for those buyers looking in the $600,000 - $700,000 price range!

Contact me today! - Talk or Text! Melva McCann, Central Mortgage (337)501-0086 www.NMLSConsumeraccess.org #81105

Your Down Payment can be from a gift!

PLEASE remember, I can lend ANYWHERE in the state off Louisiana!

If your mortgage interest rate is in the 3's or above - CONTACT ME!
I can evaluate your current mortgage to see if refinancing is the best option for you. There is no charge for this consultation.

If you, or someone you know, wants to purchase a home but has
no money for a down payment - CONTACT ME!

Self-employed or a 1099 employee and don't report much income - CONTACT ME! I have options available like bank statement loans!

We, Central Mortgage Services, are a Broker, so we have various lenders, which means very competitive interest rates and so many programs!! The lenders are competing against each other for our loans!!

Making things simple, answering a few simple questions at www.MelvaM.com will prompt me to reach out.

Remember CONTACT ME - here, PM, [email protected] or www.MelvaM.com

CONTACT ME to discuss LOUISIANA mortgages!!

Interest rates are at an all-time low, in the 2’s and dropped into the 1’s last week.

If your interest rate is in the 3’s or above, you should consider refinancing

You could:
Lower your rate
Shorten your term
Skip a payment (sometimes 2!)
And if you have a FHA or RD loan and have built up some equity perhaps I can get you into a Conventional loan with little, or NO PMI!!

Please contact me here, text me at 337-501-0086 or go to www.MelvaM.com and answer a few short questions and I will know to contact you.

This consultation to determine if refinancing is right for you is free. The only thing that I would need is your most recent mortgage statement. That can simply be emailed to me at [email protected]

I’m helping someone now that is saving $50,000 in interest by refinancing - and going from a 30 year term to 15 year!

Don’t let this opportunity pass you by! Go to www.MelvaM.com and answer those questions and I will be in touch ASAP!

Thanks, looking forward to hearing from you!


Melva W McCann
NMLS #81105

Rates are STILL super low, request a consultation at MelvaM.com

Attention For Sale by Owners and Realtors! For Sale by Owners - be cautious of showing your home unless a Pre-Approval letter is available!! Realtors, help put your potential buyer in the forefront of other offers! www.MelvaM.com NMLS # 81105

Central Mortgage - Home | NMLS#353056 Home Loans | Central Mortgage Service , Home Loan Mortgage Broker , Commercial Mortgage Brokers

NMLS #81105 🏡 NO DOWN PAYMENT? Think RD (Rural Development)
Start your FREE Pre-approval at www.Goodbye2Rent.com

Central Mortgage - Home | NMLS#353056 Home Loans | Central Mortgage Service , Home Loan Mortgage Broker , Commercial Mortgage Brokers

Need a JUMBO loan?? We can handle those too!
Visit MelvaM.com or text 337-501-0086

Central Mortgage - Home | NMLS#353056 Home Loans | Central Mortgage Service , Home Loan Mortgage Broker , Commercial Mortgage Brokers

Let me help you with your financing for a Modular or Manufactured Home.

Visit MelvaM.com or text 337-501-0086

Need a NO Down-payment loan, but property is not in a Rural Development approved area?

Here is an option to obtain FHA financing with 3.5% DPA!!

Request info at www.Goodbye2Rent.com

No Down Payment? No Problem!!
FREE PRE-APPROVALS!!www.Goodbye2Rent.com

Central Mortgage - Home | NMLS#353056 Home Loans | Central Mortgage Service , Home Loan Mortgage Broker , Commercial Mortgage Brokers

Need to close on that home purchase before school starts - no problem!

Call, text or complete a request for contact at MelvaM.com

VA Loans – Let's not forget our Veterans!

NO DOWN PAYMENT REQUIRED

No mortgage insurance

Great rates

Easy and fast underwriting!

📯 So... I’m going to toot my own horn!

IT CAN BE DONE!!

I closed on a refinance last week. 1 Day Approval – 9 Day CTC!!

What about FHA?

Often times a property is not located in a Rural Development eligible area or the family’s income exceeds RD limits. We then look to FHA, but that requires 3.5% down payment – unless you come to us! We have a lender that has their own DPA (Down Payment Assistance) program for that 3.5%. This is a true second mortgage – but Voila – no down payment needed! 640 Minimum Fico.

Let’s talk RURAL DEVELOPMENT - (GRH) Guaranteed Rural Housing

Still being a bit the geeky Accountant, I ran some numbers...

Amazing as this might sound, due to the increased income limits and the low interest rates, homes with a sales price well into the $300,00 range and possibly the low 4’s could close with a Rural Development loan. A few facts:

Rural Development has no loan limit, maximum loan amount is 100% of Appraised Value

Restrictions come from the Debt-to-Income Ratio Requirements: 29% PITI and 41% Total Debt

There are income limitations, but they are actually pretty high:

For a family of 1 - 4 members, income limit is $ 91,900 annually

For a family of 5 - 8 members, income limit is $121,300 annually

As of July 10, 2021, USDA is reviewing applications and conditions received on or before July 6, 2021 – SO NO MORE TIME DELAYS THERE!!



This is a GREAT program and should not be overlooked!