808 Oahu Realtor (Ryan Riggins) License #RS-74740

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Oahu’s USDA Loan – only has 4 months left for the current eligible areas

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Chop! Chop! We have 4 months left with with the current eligible areas for the USDA Rural Loan Program. For your clients with little or no money for a down payment, this is the perfect loan program for them.

Files with accepted offers should be submitted on or by 09/01/2014 in order to make to USDA by 10/01/2014.

Below is the current eligible area and loan program information:

Eligible area until 10/01/2014:

Ahuiamanu, from the north north side of Haiku Road and all areas to Kahuku
Central Oahu from Whitmore Village, north to the North Shore and the Kunia Area
Ewa Beach
The entire North Shore
The entire Waianae Coast
Village Park and Royal Kunia subdivisions
Waimanalo from Olomana Golf Course to Sea Life Park
Waipio Acres
Windward Oahu from Kahuku, south to Ahuiamanu

Loan Program Information:
100% Financing (No down payment)
2% Guarantee Fee can be financed into the loan (102% LTV)
Not limited to first time home buyers
Mortgage insurance does apply (estimated at $33 per month for every $100,000…example on a $300,000 MI would be $100 per month)
Mortgage Credit Certificate (MCC) can be applied (first time home buyer tax credit program)
Income restrictions apply – Household of 1-4 people: $118,450 and Household of 5- 8 people $156,350

It will be a privilege to assist you to home ownership. Please contact me for more information or any questions you may have.

Author: Ryan Riggins (RA)

Born and Raised on Oahu my approach to the real estate business is different than most agents working in the industry today. The average agent sells fewer than 7 homes a year while attempting to manage every aspect of the business all by themselves. This approach allows them very little time working directly with buyers and sellers because they are so overwhelmed with all the busy work that is required behind the scenes. My system allows me to spend 90% of my time working directly with clients who want to buy and sell real estate today and in the very near future. Here at John Riggins Real Estate we have been helping families move since 1977. We specialize in the Aiea to Kapolei area but not limited to Ewa Beach area. To see all the great ways we help buyers and to view what differentiates us from the typical realtor in the area, visit http://tinyurl.com/clientsuccessstorys Because of Ryan's Military Relocation Expertise, Ryan's success revolves around that same simple principle his Mother and Father instilled in him; serving those who serve our country. His track record shows that he puts his clients first and in a high paced market, he is making VA loans work for our soldiers, sailors, airmen and marines. With previous clients ranging from E-5's to 04's, Ryan is ready and willing to make sure all those who have served our country, have every opportunity to own their piece of it. For the majority of people the purchase or sale of a home is their largest single investment. My goal is to guide you successfully and easily through the contractual, investment, and emotional decisions involved in the Real Estate process. I am committed to providing you, your family and your friends with superior service and expertise and to make it the most memorable purchase of your life.

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