Our Real Estate Services
Circle Fine Homes knows that buying and selling a home can be a daunting task filled with uncertainty and concern. Here, we can guide our clients to make the best decision concerning purchasing and selling homes.
We handle all aspects such a showings, marketing, pricing, and all the tiny steps in between to determine the best home possible for our clients. We guide you from the day you join us to the day of closing the deal. We encourage our clients to maintain a relationship with us even after closing.
At Circle Fine Homes we want our clients to fully understand the process of how we buy and sell homes. Our clients are encouraged to ask questions about the process.
Circle Fine Homes is a full-service brokerage firm, which facilitates transactions between buyers and sellers of real property.
As the intermediary, we offer support and interaction between buyers and sellers in order to create a smooth transaction. We also act as the liaison between our clients and the banks
An Attorney may be able to take the necessary steps allowing you more time for refinancing or modifying your mortgage. This may involve defending the foreclosure lawsuit, which could lead to a Mortgage Loan Modification, Bankruptcy Relief or other Legal Options.
Mortgage Loan Modification Programs:
Homeowners behind on their mortgage or experiencing a financial hardship may not qualify for a refinance. Some may qualify for a Loan Modification.
A Loan Modification is described as a modification to an existing loan made by a lender in response to a borrower’s long-term inability to repay the loan. Loan modifications may involve a reduction in the interest rate, an extension of the length of the term of the loan, a different type of loan or any combination of the three. A lender might be open to modifying a loan because the cost of doing so is less than the cost of default.
This is the go-to program for many first-time home buyers with lower credit scores. The Federal Housing Administration allows down payments as low as 3.5% for those with credit scores of 580 or higher. The FHA will insure loans for borrowers with scores as low as 500 but requires a 10% down payment for a score that low. Mortgage insurance is required for the life of an FHA loan and cannot be canceled.