OK, I may have asked a few times for people to check out my website and tell me what I could do to make it more user friendly, but I am really starting to market my area very hard right now and it is really important that I am putting my best foot forward. I would be willing to give you my advice on your website as well, in exchange for any helpful hints or criticism you may have for my site.

OK, here is the content from my home page:

Reverse Mortgages

I would like to take this opportunity to introduce myself and invite you to learn about a reverse mortgage, an innovative financial tool many seniors are choosing to help them achieve their retirement goals.

A reverse mortgage may be an option if you:

• Are at least 62 years of age?
• Do you own your home?
• Are interested in accessing some of your equity, without having to make monthly mortgage payments? (In some cases this is possible, even if you have a mortgage currently.)
• Would like to be able to use your loan proceeds however you choose, whether for healthcare, home remodeling, debt relief, assisting your family members or just to supplement your monthly cash flow?

Reverse mortgage proceeds may be used however you would like, for example to pay for medical expenses, home modifications, or to increase your monthly cash flow. Reverse mortgages are non-recourse loans which means neither you, nor your heirs, will owe more than the appraised value of the home at the time the loan matures which does not occur until the last borrower no longer occupies the home as their primary residence.

If you would like to learn more about how a reverse mortgage may benefit you, I would be happy to discuss your personal situation with you, either over the phone or in person.

Thank you for your interest and please do not hesitate to call me with any questions or concerns. I can be reached at (541) 242-8077.

Keep in mind that you do have to complete the necessary counseling to qualify for this type of loan, and the counseling is not at all connected to my office. You do not need to contact my office for referral to necessary counseling to qualify for this product. Click on the preceding hyperlink or see the following websites for more information:

http://www.aarp.org/money/revmort/

http://www.hud.gov/buying/rvrsmort.cfm

First Time Homebuyers

When asked if it is possible to buy a house with no down payment. The answer is that it depends. However, my advice, especially in this market and even in a very strong market, is to put as much as you can comfortably put as a down payment.

The amount you have available for a down payment will affect what types of loans for which you can qualify. Down payments typically range from 3 to 20% of the sales price for the property.

Tips for Accumulating a Down Payment

Save Look for ways to reduce your monthly expenditures to save toward a down-payment. You could enroll for an automatic savings plan at your bank to have a portion of your payroll automatically transferred into savings. Most people save a couple of years for their down payment. Borrow the down payment from your retirement plan Check the provisions of your retirement plan. You can borrow funds from a 401(k) plan for a down payment or make a withdrawal from an Individual Retirement Account. Be sure you understand the tax consequences, repayment terms and/or possible early withdrawal penalties. Move You may be able to save additional funds if you can move into less expensive housing. Reduce other higher interest rate debt Paying off credit cards will initially reduce your savings, but the money you will save from higher interest rates will pay-off in the long run. Sell some investments Get a second job and save your earnings Skip a year's vacation Gift from Family Parents and other family members are often anxious to help children buy their first home and may have the means to give you a gift of money for a portion or all of your down payment.

Down payment funding alternatives

For many buyers, especially first-time buyers, saving up the funds for the down payment can be a seemingly insurmountable hurdle to home ownership. This doesn't have to be the case. As your mortgage broker, I can help you find creative ways to come up with your down payment.

Using a gift for your down payment

100% Financing mortgage loans

There is a rural development loan that most areas of lane county do qualify for. You can check the following website to see if the area that you are interested in buying would qualify:

Rural Housing Eligibility

Service persons and veterans can qualify for a VA Loan that requires no down payment. VA Loans are guaranteed by the U.S. Department of Veterans Affairs. In addition to no down payment, these loans usually offer a competitive fixed interest rate and limited closing costs. While the VA does not issue the loans, it does issue a certificate of eligibility required to apply for a VA loan.

If you are ready to buy a home, because you are tired of paying rent and not building any equity in a home, but you don't have a big down payment saved. Please let me help you find the down payment and mortgage alternative that's right for you.

FHA

FHA loans will allow gift funds to be used as downpayment as well. First Time Homebuyers see the following page for more info: (VA loans explained as well)

Government Loan Programs

Real Estate Agents see the following flyer for more detailed information about the new and improved FHA loans:

My FLYER

One way to fund a down payment is by using a gift. For many loan programs, a gift may be used for a portion or all of the required down payment. Money given as a gift for a down payment can't come from anyone. Family members are the usual source. And sometimes an employer may also be acceptable. If this is an option open to you, please let me know. I can help you determine which loan programs accept gift funds for down payments and who may give the gift. The person giving the gift is required to sign a gift letter. The gift letter states that the funds are a gift and will not be paid back.

You can find great local Springfield, Oregon real estate information on Localism.com Jason Roebuck is a proud member of the ActiveRain Real Estate Network, a free online community to help real estate professionals grow their business.

My concern is that I am trying to say too much. Please let me know what you think and I promise to help you out with yours as well, or just tell you how great your website is if it is perfect already. Thanks, in advance for any help you can give me...

www.jasonmroebuck.com