HUD Home. 3 over-sized bedrooms, 2 baths built in 2006.
Large living room, decorative tile, indoor laundry,
covered patio all on huge lot.
HUD Home Deal ~ 876 Forrester Court, Porterville
HUD Home. 3 bedroom, 2 bath home with single car
attached garage. Tile floors in living room & kitchen.
Close to municipal pool, park & golf course.
39654 Balch Park Road, Springville
4 Bedroom, 2 Bath 1952 Square Ft. home on 3.8 flat usable acres
in Springville. There are phenomenal views of the mountains
and it's not too far from downtown Springville. There is work
to be done for sure, but that's why it's priced so reasonably.
25524 Avenue 102, Terra Bella
This home is in need of a new owner that will bring it back to its former condition. Home is in need of many repairs. Also has studio apartment above garage. Property would be great for animals
Country Club Mortgage offers several lending programs to meet the varied needs of our clients at Melson Realty. Here is a partial list of the programs they offer.
Conventional Fixed Rate Mortgage (FRM) A popular loan type, conventional fixed rate loans feature a constant interest rate for the life of the life. Generally speaking, monthly payments remain constant. Traditionally borrowers are expected to provide a 20 percent down payment though this is not necessarily required. Contact us for details on down payment requirements. Available terms generally range from 10 years, 15 years, 30 years and 40 years.
Refinance Mortgage Loans Homeowners looking to decrease their interest rate may consider refinancing. A refinance calls for the homeowner to obtain another mortgage loan. Those funds are then used to pay off the original mortgage loan and the homeowner is then bound by the terms of the new mortgage. Depending on your situation a refinance loan could be a great option. Along with decreasing your interest rate, refinance loans can also help you switch from an ARM to a FRM, and in some cases reduce your loan term.
FHA Mortgage Loans FHA loans are private loans insured by the federal government. These loans are popular with borrowers who don't have enough funds to pay a traditional 20 percent down payment because they only require 3 percent down to qualify. Those who choose these loans are required to pay mortgage insurance which slightly increases their monthly payments. Lenders who wish to offer these loans must be approved by the Department of Housing and Urban Development.
VA Mortgage Loans Like a FHA loan, VA loans are private loans insured by the federal government. VA loans are only available to qualified military veterans and their families. These loans are only available to these individuals for their own primary residences and cannot exceed a $417,000 loan limit.
Jumbo Loans A jumbo loan, or non-conforming loan, usually means any home loan for amounts higher than $417,000. Jumbo loans feature similar loan programs to fixed rate and adjustable rate programs. There are even FHA jumbo loans. The main difference between jumbo loans and conforming loans is the interest rate. Because jumbo loans are riskier for lenders they usually have higher rates.
Construction Loans Construction loans are used to finance the construction of a new structure. Whether you're interested in building a brand new home for you and your family or you're looking to construct a commercial property we can help craft a terrific lending solution. Each loan is as unique as the property you're looking to construct.
Home Equity Loans Home equity loans call for the borrower to acquire a new loan on an already mortgaged property using the equity you've built as collateral. Home equity loans are typically reserved for those looking to pay down medical or consumer debt, start a business or pay tuition. Please contact us directly if you're interested in a home equity loan. Most states restrict the amount of money one can borrow against their home. Interest rates on home equity loans are generally higher than conventional loans.
Revers Mortgage Loans Reverse mortgage loans, also known as reverse equity loans, are only available to homeowners 65 or older. Like its name indicates, this program pays the homeowner either a one-time large payout or monthly installment. Once the loan term expires the house either becomes the property of the lender or the house can be sold to repay the debt. Reverse mortgage loans are great options for seniors looking to increase their monthly incomes.
Mike has been working in the Real Estate industry for over 30 years and has been with Melson for over 9 years. He has worked with countless buyers and sellers as well as investors; and knows what it takes to purchase a successful business venture.
In 2005, Eric Johnson and his wife Michelle moved to the Central Valley
and opened E&M’s Reptile Family, LLC. As a family, they bring education and
excitement to schools, libraries and events; introducing people to the world of
exotic wildlife. Eric graduated in 2003
with certifications in Wildlife Education, Exotic Animal Training and
Management, and Zoology from Moorpark College.
As a family, they have shared a passion for animals and a mission to
rescue these animals from dangerous situations. The 80+ animals they work with
are primarily rescued from abusive or neglectful environments and in turn help
to educate the public on what to consider when purchasing an exotic animal as a
family pet. In addition to animal presentations, they also encourage the public
to reach out to them for help with a current reptile pet, or when considering a
new exotic pet.
With a hands-on approach, they have been able to share their passion
for wildlife with our community. Bringing their family of bugs, frogs, lizards,
turtles, tortoises and snakes along to events we have learned how important
these animals are and how important education is in bringing an exotic animal
home as a pet.
The family is available for pet education, private events, classroom
visits and for residential/commercial snake removal (venomous and non-venomous)
and custom enclosure designing.
Check out their YouTube channel to meet Eric and Michelle and see a few
of the animals they have rescued.
