Class Schedule of Free Mortgage Related Classes

Taught by:  Kathy Colkitt

Classes are FREE to the Community

Seating is Limited * Reservations Required

Class’s approximately 1 hour  long

Q & A Session at the End of all Classes

March 29th     6:00  pm  Assumable Loans FHa & VA

         All FHA and VA Loans are Assumable,

Find out how YOU can Assume a Home Today!

April 5th          6:00 pm  Home Buying 101

          What YOU Want and Need to Know

April 12th        6:00 pm    Rehab Loans

          Learn how easy it is to Buy and Fix your New Home

with ONE Easy Loan Program

April 26th       6:00 pm    Bankruptcy/Foreclosure & Buying Homes

                                               & Credit Understanding

          Learn what is requred to buy a home if you have

 a Bankruptcy or Foreclosure in your past.

          Discover how to Read and Understand your Credit

All Classes currently held at:

Mountain West Bank

12321 E Mission Ave.   Spokane Valley,  2nd Floor

North East Corner of Pines and Mission

Call TODAY TO RESERVE YOUR SPACE,

BRING A FRIEND OR FAMILY MEMEBER:

CALL KATHY COLKITT:  509-999-6464

Kathy Colkitt

Mortgage Loan Originator @ Mountain West Bank

I am excited to be partnered with Mountain West Bank 

I have the ability to work with my clients with all the programs I have always had, PLUS I am now able to Lend in Construction, WA Bond Programs, and IFHA Programs as well.  I still do Conventional, FHA, VA,  USDA, Manufactured Housing, HomePath, Short Sales, Forclosures, and Investment.

I will be Teaching Classes for:

 Community Members, Realtor Partners, and Other Business Professionals

Classes I will Teach on will be: 

HARP 2, Assumable Loans, Bankruptcy & Forclosures, Credit Repair, I have my Home Now What?, First Time Home Buyers… to name a few. 

Contact Kathy for her Calendar of  Classes, Dates, and Times.

Call Kathy Colkitt @ 509-999-6464

NMLS#73055

Your Mortgage Professional for Life

Specializing in Mortgage Funding Options for Your Personal Needs!

NEW ROLLED OUT PROGRAM

HOME UP-SIDE-DOWN IN VALUE

THIS IS THE PROGRAM FOR YOU!

Easy to Qualify

Low Interest Rates

30 and 15 Year Fixed Loans

Don’t Wait Lets Get You Refinanced TODAY!

Rates are sure to move up in 2012 lets take advantage

while you have the opportunity…

Call Today:  Kathy Colkitt @ 509-999-6464

or e-mail Kathy @  bestloans123@comcast.net

Kathy is licensed and certified Locally and Nationally ~  NMLS #73055

(for the  Program to work you can not have current MI on your loan)

Happy Holidays to You and Yours

May all Your Dreams and Wishes Come True

I look forward to seeing and talking

with all of you in the New Year.

Remember the Season Is the Reason for Sharing

Love to One another

Blessings to All,

Kathy Colkitt

Licensed & Certified Mortgage Professional

NMLS#73055

Lending options with:  Conventional, VA,  Manufactured Homes, USDA,

Reverse Mortgages, HomePath, Short Sales, Foreclosures,

Inland Northwest Specialist

Hello Everyone,

If you were told by a lender that you did not qualify for the HARP Program

(Home Affordable Refinance Program) there may be New Hope for YOU!

Obama signed a New HARP 2 order and with some of the changes

YOU May Now Qualify!

Check with your lender or CALL ME to see if you can now qualify

for this New and Improved Refinance Program.

Don’t Delay  Call  Kathy Colkitt  @ 509-999-6464

Your Senior Loan Officer and Mortgage Professional

Specializing in:   Conventional, VA, FHA, 203K, USDA, Manufactured,

Reverse Mortgages, HARP 1 & 2, HomePath, Foreclosures, Short Sales

Loans of all types give me a call so I can assist you

VA – Great News! This has not been highly publicized, I just received the chart today.

* Fee changes for VA “Subsequent Use” purchases and Regular Refinance have gone DOWN
* “First Time Use” Purchases Fees Down

* IRRRL – Streamline Refinances Fee the Same

FHA – Loan Limits

* Loan Limits will reduce Oct. 1st – Be aware what your Max FHA Loan Limit is in your area.
* Spokane County, Kootenai County  $270,050.00 is maximum

USDA – Fee and MI Change

* USDA Fee is Down from 3.5% to 2.0%

* USDA NOW has MI – .3% annual fee

Be aware as these changes happen your payment will increase some and could effect your Debt to Income Ratio.

Call me for for information and specific details

Kathy Colkitt  -  509-999-6464

I am your Inland Northwest Mortgage Specialist in VA, FHA, USDA, Conventional Lending

licensed in WA & ID  Lic  # 73055