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	Mortgage and Lending	RAINER 2,423
	Ken Grisham

	Jackson, TN — Regions Mortgage
NMLS ID: 1452300	http://www.regionsmortgage.com/kengrisham
NMLS ID: 1452300	Ken Grisham's (kgrisham) Blog

Get to Know Ken Grisham

I measure my success by how big my customer SMILES.

Every American has a right to own his own home. I view my role in that dream as a solemn commitment to the highest ethical standards. I'm licensed by the Federal Housing Finance Agency to loan money and I take this very seriously. I do not charge an application fee or junk fees. I'm paid if and only if you close on your home. I have helped thousands of homebuyers, people refinancing, I take pride of my integrity, honesty, and hard work. I'm highly motivated and performance driven to provide the necessary services and home buying guidance -- because I only make money when you get the keys to your home!

Recent Posts

Certifications

1. Build Wealth - When you make mortgage payments instead of rent payments you might as well be putting money into your own savings account. Over time the account will grow and you will have increased your family's wealth. And as home prices rise over the years this adds to your wealth!

2. Save on Taxes - The interest on your mortgage is tax deductible. What this means is that you can reduce the amount of money you pay in taxes each year. And if you don't pay taxes you may get a refund! The government gives you this added break because it wants you to own your own home! This helps the economy and this helps us all.

3. Stabilize your family - It is widely known that families that own instead of rent are more stable and your kids have a better chance of staying in school, getting good jobs and developing into positive members of your community.

4. Pride of Ownership - You will discover new and exciting things about yourself, your family and your community when you own your own home. A sense of belonging will overtake you. You will be more involved in the things that really matter to you and your family. You will swell with pride the day you move in!

5. Reduce Stress - Your own corner of the planet. Your own refuge. Your own place that nobody can take away. Owning your home gives you a sense of security that your family is finally living the American Dream.

6. No More Landlords - We've all dealt with lazy landlords who don't care that your kitchen faucet leaks; don't care that your neighbors are noisy; and don't care that your paint is peeling. Now you own the place and fix it the way you like!

7. Safety - You own the yard and a place for the kids to ride the bike. Build a swingset. Now you can sit on your own front porch and keep an eye on your growing family. Find that one neighbor you really like and team up to help each other out.

8. Job Stability - It is well known that people that own a home are more likely to succeed in jobs and get ahead quicker than the rest - Why is this? A sense of pride and responsibility overtakes you and you want to succeed!

9. Be one of the lucky ones - Yes it requires you to assume responsibility and settle down. But aren't you ready to join the lucky ones who have finally found their place in life and know where they are headed?

10. Move up! - Now that you're going places, saving money and know the pride of homeownership, you can look forward to that time when you cash in on the savings, add-on to your new home, build that workshop or pool (home-equity loans are easy to get). Or stay put for years and when you're ready to retire, cash in and move to the beach!

The future looks a lot brighter from the comfort and safety of YOUR OWN HOME! Get started today! 731-467-0476

Skills

Specialties

Buyers
Condos/Townhomes
Farm Land
Investment Properties
Land
Luxury Homes
New Construction
Relocation
REO/Bank Owned
Residential
Sellers
Short Sales
Vacation/Resort Properties
Construction Loans
Renovation Loans

Certifications

CONSTRUCTION/RENOVATION 1 TIME CLOSING

· 1 Time Closing with Rate Float Down Option

· Multiple Loan Lock Options (30 Fixed, 15 Fixed, 5/1, 7/1, and 10/1 Arm)

· Construction Loan Amount up to $2,000,000

· 0 Origination Fee/O Point Options

· Liberal Underwriting Guidelines Including Qualifying with Future Income (employment contract) or Using Assets as “qualifying income”

· Escrows Not Required

· Other Creative Down Payment Options (asset based lines of credit)

· 97% to $417,000 (location/income specific)

· 90% to $417,000 (9 month max build)

· Many Jumbo Loan and Non Jumbo Loan Options

JUMBO LOANS

· Low Down Payment Jumbo Loans including…

· 0-10% Down Combo Loans

· 89% to $1,250,000

· 85% to $2,000,000

· No PMI

· Preferred pricing

DOCTOR AND DENTIST LOANS

· Up to 100% Jumbo NO PMI

· Residents can qualify

· Future employment contract or 3 years self employment can be used for income

· Deferred student loans are NOT included in debt ratios

OTHER GREAT LOAN OPTIONS

· 100% to $2,000,000 with “Pledged Assets”

· 100% to $2,000,000 with “Cross Collateralized” – similar to a bridge loan

· Non Warrantable Condos

· Long Term Rate Locks Up To 9 Months (new construction)

· Properties with over 10 acres allowed

· Homesteps Loans (Freddie Mac)

· Homepath Loans (Fannie Mae)

· 100% NO PMI (Location/Income Specific)

· 97% NO PMI (Location/Income Specific)

· Higher debt to income ratios allowed on certain portfolio loans

· FHA and VA only require a 580 score

· Bi-Weekly payment loan options

· HARP Loans