Lower USDA Fees

usdaLower USDA Fees

 

Good news!

 

Both the upfront guarantee fee and annual fee (collectively the “fee schedule”) for purchase and refinance using USDA Rural Development’s home loan program will decrease on October 1, 2016, the first day of fiscal year 2017.

 

The upfront guarantee fee will drop from 2.75% to 1%, and the annual fee from 0.5% to 0.35%.

 

This could possibly mean more buying power! Income limits and credit approval will apply, but this could be a wonderful opportunity for anyone you know considering buying a home in an approved rural area.

 

Want to know more? Click here to find a loan officer in your area!

 

ABOUT INLANTA MORTGAGE

Headquartered in Pewaukee, Wis., Inlanta Mortgage was established in 1993. The company has grown to 35 branches in 16 states and over 240 employees. Inlanta Mortgage offers Fannie Mae/Freddie Mac agency products, as well as jumbo and portfolio programs. The company is an agency approved lender for Freddie Mac, Fannie Mae, FHA/VA, FHA 203K and USDA. Inlanta Mortgage also offers numerous state bond agency programs.

In 2016, Inlanta Mortgage was recently named a Top Workplace for a third consecutive year. Inlanta has been recognized as a Top Mortgage Employer by National Mortgage Professional and a Top 100 Mortgage Banking Company and 100 Best Mortgage Companies to Work For by Mortgage Executive Magazine. Inlanta has also received the Platinum Million Dollar USDA Lender Award.

PARTNERSHIP OPPORTUNITIES

Inlanta Mortgage continues to expand its branch network and encourages ethical lending professionals to learn more about our support platform and discover how an Inlanta branch partnership with Inlanta Mortgage is essential to long-term success.

Locate an Inlanta Mortgage loan officer at www.inlanta.com/locations. For current employment opportunities, visit www.inlanta.com/join-our-team/employment-opportunities. Learn more about Inlanta Mortgage branch partnership opportunities at www.inlantapartners.com, call 262-439-4260, or email partners@inlanta.com.

Inlanta Mortgage, Inc. NMLS #1016.

USDA Rural Development

usda

USDA Rural Development

 

Achieving the dream of home-ownership could be more attainable than you have anticipated. If you are concerned about the affordability of purchasing a home, it is important to know you have options when it comes to loan programs. One popular government loan is USDA Rural Development.

The program was originally created to boost the development of land in more rural areas of
the country. Back when it was created, the USDA program’s sole purpose was to make rural living more achievable so that people who live in major cities could live within their means in the country, and ultimately help boost the economy in these areas as well. The program has grown significantly and is now able to help lower income families or individuals purchase homes in rural areas. We asked our very own Laura Leonhard, who is the #3 USDA lender in the nation, some common questions about this program. Here is what she had to say about USDA financing:

 

Q: What makes USDA different from other loan programs?

LL: USDA offers 100% financing. They also add in closing costs and any prepaid items. Another great bonus is that home repairs can be added to the loan as long as the appraised value comes in high enough.

 

Q: What are the benefits of going with USDA Loans?

LL: Many of the features that make USDA different are benefits of this loan program. Also, no money down, which is huge for some people. There is also reduced mortgage insurance premiums.

 

Q: What are the downfalls?

LL: The guarantee fee is a downfall to the USDA loan program, but that will be reduced this coming September!

 

Q: Is this program a good choice for first-time home buyers?

LL: Absolutely. With the no money down and many other great benefits, this would be perfect for first-time home buyers who may not have a lot of combined household income.

 

Q: What documentation is required when applying for USDA loans?

LL: The documentation requirements are the same as any other loan, unless there is a tougher credit situation. Then, there might be additional documentation required that will be disclosed by your loan officer.

 

Q: How do I know if I am eligible for USDA?

LL: A pre-approval will tell you if you are eligible for a USDA loan. You, as well as the location of the home you plan to buy, must be USDA eligible to qualify for this loan.  This loan program does have income limits for the county the home is located in as well as the number of people in the household.

 

Q: Do USDA loans exclusively go towards the purchase of a home?

LL: No, it can also go towards refinancing. However, you can only refinance with a USDA loan if your original home loan was also USDA.

 

Now that you know a little more about the USDA program, contact a loan officer near you to see if you, your family, and the house you want to purchase qualify. Let us help you make your dream of homeownership a reality!

 

 

OUR MISSION STATEMENT

Our mission is to be the home financing partner that you trust to serve your family, friends, and community. Through our family of dedicated mortgage professionals, our commitment is to deliver an exceptional experience. Our unwavering dedication to integrity, honesty, and ethics is the foundation of all of our relationships.

ABOUT INLANTA MORTGAGE

Headquartered in Brookfield, Wis., Inlanta Mortgage was established in 1993. The company has grown to 35 branches in 16 states and over 240 employees. Inlanta Mortgage offers Fannie Mae/Freddie Mac agency products, as well as jumbo and portfolio programs. The company is an agency approved lender for Freddie Mac, Fannie Mae, FHA/VA, FHA 203K and USDA. Inlanta Mortgage also offers numerous state bond agency programs.

Inlanta Mortgage was recently named a Top Workplace for a third time in 2016. Inlanta has also received the Platinum Million Dollar USDA Lender Award and has been recognized as a Top Mortgage Employer by National Mortgage Professional and a Top 100 Mortgage Banking Company and 100 Best Mortgage Companies to Work For by Mortgage Executive Magazine.

PARTNERSHIP OPPORTUNITIES

Inlanta Mortgage continues to expand its branch network and encourages ethical lending professionals to learn more about our support platform and discover how an Inlanta branch partnership with Inlanta Mortgage is essential to long-term success.

Locate an Inlanta Mortgage loan officer at www.inlanta.com/locations. For current employment opportunities, visit www.inlanta.com/join-our-team/employment-opportunities. Learn more about Inlanta Mortgage branch partnership opportunities at www.inlantapartners.com, call 262-439-4260, or email partners@inlanta.com.

Inlanta Mortgage, Inc. NMLS #1016.

USDA Loan Maps – Revised Eligibility

Updated-USDA-Eligibility

USDA Loan Maps – Updated Eligibility

The USDA rural development loan program is a great way for home buyers to purchase a home with no money down. Recently, the USDA loan maps were revised and some areas are now eligible that were not before while others are no longer eligible. For more information on these recent changes or to discuss the USDA loan program in more detail, contact a licensed Inlanta Mortgage loan officer. Find a loan officer near you by using our branch locator.

Click here to check the USDA loan map to see if a property you have your eye on – or already live in – is eligible for USDA financing!

Inlanta Loan Programs

In addition to USDA no down payment loans, Inlanta also offers conventional, VA, FHA, and Jumbo loan programs. There are also a number of state programs available for new home buyers. Use our branch locator to find a loan officer near you, or simply apply online now.

OUR MISSION STATEMENT

Our mission is to be the home financing partner that you trust to serve your family, friends and community. Through our family of dedicated mortgage professionals, our commitment is to deliver an exceptional experience. Our unwavering dedication to integrity, honesty and ethics is the foundation of all of our relationships.

ABOUT INLANTA MORTGAGE

Headquartered in Brookfield, Wisconsin, Inlanta Mortgage is a growing mortgage banking firm committed to quality mortgage lending, ethical operations and strong customer service.

Inlanta Mortgage offers Fannie Mae/Freddie Mac agency products, as well as a full suite of jumbo and portfolio programs. The company is an agency approved lender for Freddie Mac and Fannie Mae, FHA/VA, FHA 203K and USDA. Inlanta Mortgage also offers numerous state bond agency programs. Review Inlanta’s mortgage loan programs.

Inlanta Mortgage was recently named a Top Mortgage Lender in 2013 as well as 2012 by Scotsman Guide. Inlanta was also named a Top Workplace in 2014 as well as in 2012. Inlanta has also been named one of the “Top 100 Mortgage Companies in America” in 2011, 2012 and 2013 and one of the 50 Best Companies to Work For by Mortgage Executive Magazine.

Inlanta Mortgage, Inc. NMLS #1016

Inlanta Mortgage is a USDA Platinum Million Dollar Lender

Rural housing lender platinum award

USDA Platinum Million Dollar Lender

Inlanta Mortgage has been recognized for its contribution to the success of the USDA Rural Development Guaranteed Rural Housing Program for fiscal year 2012. Inlanta is a certified USDA Platinum Million Dollar Lender utilizing over $5 million in rural housing funds during 2012.

USDA Rural Development Program

The USDA Rural Development Loan Program, or just USDA loans for short, are designed to make rural housing more affordable. A USDA Guaranteed Loan is a government insured 100% purchase loan. USDA loan program eligibility depends upon applicant income and the purchase property location. The USDA Rural Housing program is for residential purchases and rate-and-term refinances only – no cash out refinancing. All USDA loans are 30-year fixed rate mortgages.

In 2012, guaranteed rural housing funding was delivered to Wisconsin homeowners resulting in over 3,388 home purchases. Inlanta is headquartered in Brookfield, Wisconsin, just outside of Milwaukee.

USDA Loan Eligibility

In order to utilize the USDA Rural Housing Program, your home must be located in a rural area. Although the term “rural” might not seem to apply to you – several suburbs and outlying communities of most major U.S. cities meet the USDA property location requirements. Check your property eligibility here: Rural Housing Property Eligibility.

Since the program is designed to help low-income individuals or households purchase homes – the USDA Rural Development Program also has income limits. Check the income limits for your area here: USDA Rural Housing Income Limits.

Apply for USDA Loan

Inlanta Mortgage is an approved USDA Rural Housing Program Lender and a USDA Platinum Million Dollar Lender. Use our branch locator to find a licensed mortgage loan officer near you, or apply online now. If you apply online now, we will match you with a loan officer licensed to originate loans in your state.

The information provided in this post is not meant to be comprehensive. For more information on USDA mortgage loans, contact a licensed mortgage loan officer directly.

Celebrating its 20th Anniversary, Inlanta Mortgage is a growing mortgage banking firm committed to quality mortgage lending, ethical operations and strong customer service.

Inlanta Mortgage offers Fannie Mae/Freddie Mac agency products, as well as a full suite of jumbo and portfolio programs. The company is an agency approved lender for Fannie Mae, FHA/VA, FHA 203K and USDA. Inlanta Mortgage also offers numerous state bond agency programs. Review Inlanta’s mortgage loan programs here.

Inlanta Mortgage is a multi-state mortgage banker based out of Brookfield, Wisconsin. NMLS #1016. Inlanta Mortgage is proud to be named to the Scotsman Guide Top Mortgage Lenders 2012 list and to be among the Top 100 Mortgage Banking Companies in America in 2012 and Fastest Growing Milwaukee-Area Firms.

USDA Rural Development Loans

USDA Rural Development

What is USDA Rural Development?

The USDA Rural Development Loan Program is designed to make rural housing more affordable. USDA loan program eligibility depends upon applicant income and the purchase property location. With USDA Rural Development loans, you can finance a home with no down payment

USDA Program Eligibilty Extended

The U.S. Department of Agriculture has extended the USDA Rural Development program until September 30, 2013. Areas that were eligible for USDA financing (Single Family and Multi-Family Housing Programs) on September 30, 2012, will remain eligible until September 30, 2013.

Defining Rural

On October 1, 2012, the USDA was expected to revise its definition of “rural”. This revision would have made USDA rural development loans more restrictive. Eligibility would have been limited to communities with a population less than 20,000 not located within a MSA (metropolitan statistical area). Half the rural population in America lives within a MSA and would be ineligible for the USDA rural development loan program if this change had been implemented.

Communities in Wisconsin that could be affected if the change is implemented later this year include: Burlington, Hartford, Muskego, Port Washington, Portage, River Falls, Stoughton, Sussex, Vernon, and Waunakee. A very large number of Florida communities could be affected as well.

Need more information on the USDA rural development loan program? Consult a licensed mortgage loan professional near you. Use our branch locator to find a local Inlanta Mortgage office.

USDA Rural Development Loans –  Top Originator

One Inlanta Mortgage loan officer has been recognized among the nation’s Top Originators in 2012 for her efforts to help borrowers with the USDA Rural Development Program. Laura Leonhard, branch manager in Marshfield, Wisconsin was recognized in a recent release by Scotsman Guide. Laura has been recognized as the #1 USDA Lender by volume in the country.

Inlanta Mortgage is proudly celebrating twenty years in business. Learn more about Inlanta’s twenty year history here.

Inlanta Mortgage offers Fannie Mae/Freddie Mac agency products, as well as a full suite of jumbo and portfolio programs. The company is fully delegated HUD-FHA including FHA 203K, VA, and USDA approved. Inlanta Mortgage also offers numerous state bond agency programs. Review Inlanta’s mortgage loan programs here.

Inlanta Mortgage is a multi-state mortgage banker based out of Brookfield, Wisconsin. NMLS# 1016. Inlanta Mortgage is proud to be a recent recipient of a 2012 Top Workplace Award.

 

USDA Rural Development Program Update

USDA Rural Development Program Update

What is USDA Rural Development?

The USDA Rural Development Loan Program is a program designed to make rural housing more affordable. USDA loan program eligibility depends upon applicant income and the purchase property location. With USDA Rural Development loans, you can finance a home with no down payment

USDA Program Eligibilty Extended

The U.S. Department of Agriculture announced last week that USDA Rural Development program has been extended until September 30, 2013.  Areas that were eligible for USDA financing (Single Family and Multi-Family Housing Programs) on September 30, 2012 will remain eligible until September 30, 2013.

Defining Rural

On October 1, 2012, the USDA was expected to revise its definition of “rural.” This revision would have made USDA rural development funding more restrictive. Eligibility would have been limited to communities with a population less than 20,000 not located within a MSA (metropolitan statistical area). Half the rural population in America lives within a MSA and would be ineligible for the USDA rural development loan program if this change had been implemented.

Communities in Wisconsin that could be affected if the change is implemented later this year include: Burlington, Hartford, Muskego, Port Washington, Portage, River Falls, Stoughton, Sussex, Vernon, and Waunakee. A very large number of Florida communities could be affected as well.

Need more information on the USDA rural development loan program? Consult a licensed mortgage loan professional near you.

One Inlanta Mortgage loan officer has been recognized among the nation’s Top Originators 2012 for her efforts to help borrowers with the USDA Rural Development Program. Laura Leonhard, branch manager in Marshfield, Wisconsin was recognized in a recent release by Scotsman Guide. Laura has been recognized as the #1 USDA Lender by volume in the country.

Inlanta Mortgage is proudly celebrating twenty years in business. Learn more about Inlanta’s twenty year history here.

Inlanta Mortgage offers Fannie Mae/Freddie Mac agency products, as well as a full suite of jumbo and portfolio programs. The company is fully delegated HUD-FHA including FHA 203K, VA, and USDA approved. Inlanta Mortgage also offers numerous state bond agency programs. Review Inlanta’s mortgage loan programs here.

Inlanta Mortgage is a multi-state mortgage banker based out of Brookfield, Wisconsin. NMLS# 1016. Inlanta Mortgage is proud to be a recent recipient of a 2012 Top Workplace Award.

 

3 First-Time Home Buyer Tips

First Time Home Buyers

Buying a home is serious business. With 15 and 30-year fixed rate mortgages holding steady and rising home prices, many people are embarking on this great adventure. For those of you ready to make the leap from renting to owning – here are just a few tips!

1.  Check the selling prices of homes in the area you wish to live. Web sites such as Zillow and Trulia can give you a general idea of what you should expect to pay for what you want. You can also do a quick search of actual listings in your area on a number of web sites hosted by reputable Realtors, including the National Association of Realtors. In Wisconsin, you can search for homes at First Weber.

2.  See what you can afford and get a pre-approval letter. Look at your budget and determine how a house fits into it. Fannie Mae recommends that buyers spend no more than 28% of their income on housing costs. Go much past 30% and you risk becoming house poor. Visit our blog post How Much House Can You Afford? This post will help you understand how Inlanta Mortgage computes the amount you are pre-approved to purchase. Click here to learn more about the importance of getting pre-approved.

3.  Consult a licensed real estate agent. Realtors are trained to help home buyers objectively examine properties in terms of school districts, safety, zoning, and much more. Don’t stop your inspection of a prospective home at the property line – the area surrounding your new home will undoubtedly affect how happy you will be in it.

Ready to begin? Contact a licensed Inlanta Mortgage loan consultant today! Your mortgage loan consultant can help you determine which of the following first time home buyer loan programs are best for you:

Conventional Mortgage Loans – Traditional program that usually requires 5% down and offers competitive interest rates.

FHA Mortgages – FHA mortgages enable the borrower to put as low as 3.5% down and are available to borrowers with less than perfect credit.

USDA Mortgages – USDA mortgage loans are designed to help lower income individuals or households purchase homes in rural areas.

VA Mortgages – VA mortgage loans are federally guaranteed mortgage loans for veterans that don’t require a down payment.

Inlanta Mortgage is proudly celebrating twenty years in business. Learn more about Inlanta’s twenty year history here.

Inlanta Mortgage offers Fannie Mae/Freddie Mac agency products,  as well as a full suite of jumbo and portfolio programs. The company is  fully delegated HUD-FHA including FHA 203K, VA, and USDA approved.  Inlanta Mortgage also offers numerous state bond agency programs. Review Inlanta’s mortgage loan programs here.

Inlanta Mortgage is a multi-state mortgage banker based out of Brookfield, Wisconsin. NMLS# 1016. Inlanta Mortgage is proud to be a recent recipient of a 2012 Top Workplace Award.

Tips for First Time Home Buyers

Tips for First Time Home Buyers

Are You Ready to Buy Your First Home?

Buying a home is serious business. With 15 and 30-year fixed rate mortgages at record lows, many people are embarking on this great adventure. For those of you ready to make the leap from renting to home owning – here are just a few tips!

1.  Check the selling prices of homes in the area you wish to live. Web sites such as Zillow and Trulia can give you a general idea of what you should expect to pay. You can also do a quick search of actual MLS listings in your area on a number of web sites hosted by reputable Realtors, including the  National Association of Realtors. In Wisconsin, you can search by MLS# at First Weber.

2.  See what you can afford and get a pre-approval letter.  Look at your budget and determine how a house fits into it. Fannie Mae recommends that buyers spend no more than 28% of their income on housing costs. Go much past 30% and you risk becoming house poor. Visit our blog post How Much House Can You Afford? This post will help you understand how Inlanta Mortgage computes the amount you are pre-approved to purchase. Click here to learn more about the importance of getting pre-approved.

3.  Consult a licensed real estate agent. Realtors are trained to help home buyers objectively examine properties in terms of school districts, safety, zoning, and much more. Don’t stop your inspection of a prospective home at the property line – the area surrounding your new home will undoubtedly affect how happy you will be in it.

Ready to begin? Contact a licensed Inlanta Mortgage loan consultant today! Your mortgage loan consultant can help you determine which of the following first time home buyer loan programs are best for you:

Conventional Mortgage Loans – Traditional program that usually requires 5% down and offers competitive interest rates.

FHA Mortgages – FHA mortgages enable the borrower to put as low as 3.5% down and are available to borrowers with less than perfect credit.

USDA Mortgages – USDA mortgage loans are designed to help lower income individuals or households purchase homes in rural areas.

VA Mortgages – VA mortgage loans are federally guaranteed mortgage loans for veterans that don’t require a down payment.

Inlanta Mortgage offers Fannie Mae/Freddie Mac agency products,  as well as a full suite of jumbo and portfolio programs. The company is  fully delegated HUD-FHA including FHA 203K, VA, and USDA approved.  Inlanta Mortgage also offers numerous state bond agency programs. Review Inlanta’s mortgage loan programs here.

Inlanta Mortgage is a multi-state mortgage banker based out of Brookfield, Wisconsin. NMLS# 1016. Inlanta Mortgage is proud to be a recent recipient of a 2012 Top Workplace Award.

Selecting a Licensed Mortgage Loan Originator

Selecting a licensed mortgage loan originator is an important part of the home buying process.  Since purchasing a home is often the biggest financial decision we make in our lives – it pays to do a little research.

1. You can begin by asking your friends, family and co-workers for recommendations. We trust our friends and family more than any other source – so don’t disregard their input. Perhaps they had a wonderful experience with a lender, maybe they didn’t. Either way, your friends and family will be truthful with you and should be happy to provide their opinion on the matter. Inlanta Mortgage is pleased that 80% of our customers are past customers or were referred by other customers.

2. Another very important consideration when selecting a mortgage loan originator is to make sure they are licensed by the National Mortgage Licensing System (NMLS). As an example, Inlanta Mortgage’s NMLS # is 1016.  You can check to see if a mortgage lender or originator is licensed by visiting www.nmlsconsumeraccess.org.  The NMLS Consumer Access website lists when the mortgage company was formed and what states they are licensed to do business in.

3. What types of loan programs does the lender support? Is the lender a delegated authority to originate USDA, VA, or FHA mortgage loans? Not all mortgage lenders are able to originate USDA, VA or FHA mortgage loans. If you are a veteran seeking to utilize your VA benefits when purchasing a home – a lender without the authority to originate a VA mortgage loan wouldn’t be of much use to you. Review the loan programs offered by Inlanta Mortgage here.

4. Next, you can do a little online research. Social media may be a joke to some, but reputable mortgage lenders maintain transparency not only by having well-functioning websites, but by having business profiles on LinkedIn, a recently updated Facebook account, and maintaining a blog (like this one here). The point is – you want to know who you are really dealing with when you are making such a big decision.  You can find Inlanta Mortgage on Facebook, LinkedIN, Twitter, and Google +.

5. Another good question to ask yourself is what type of mortgage lender fits your needs? Do you want to meet in a physical office or are you just as happy if all forms are completed online? What would you prefer? Now days, most mortgage lenders can accept applications online – including Inlanta – virtually eliminating the need for you to come into a physical office and spend hours filling out forms. However, if you prefer to conduct business in an office – make sure the lender you found online actually has one! Click here to apply online for a loan at Inlanta Mortgage.

6. You may be interested in finding out whether you mortgage lender has
in-house processing, underwriting, or funding services. When a mortgage loan originator and processor work for the same firm – there is inevitably cleaner lines of communication. Improved communications can help to resolve issues that may arise during the processing of your loan. The same idea applies to underwriting and funding – the easier it is for an underwriter or funding manager to get verification or documentation from a mortgage loan applicant – the faster the process goes.

7. Finally, speak directly with a mortgage loan originator about interest rates and loan fees. The interest rate mortgage lenders quote you is largely based upon your financial assets, income, and credit worthiness.  Closing fees differ by lender. Shop around and make sure you are comfortable with the rates you are offered and the fees associated with originating a mortgage loan. Click here to find a mortgage loan originator near you.

So we have recommended that you ask your friends and family for advice, confirm a lender is licensed, determine what loan programs they offer, do some online research, check out their social media profiles, and find out if they have
in-house processing, underwriting, and funding.

Next week, we will discuss the next step in the home buying process:

Get Pre-Approved! Why Do You Need a Pre-Approval Anyway?

Inlanta Mortgage is licensed in fourteen states and offers a variety of mortgage loan programs to suit your needs including: VA, USDA, FHA, FHA 203k, Conventional, Reverse Mortgages, Refinancing, and Jumbo Mortgage Loans. NMLS #1016

Inlanta Mortgage Receives USDA Homeownership Awards

USDA Awarded to Inlanta Mortgage Antigo Office

Inlanta Mortgage received two awards from the United States Department of Agriculture (USDA) Rural Development Wisconsin State Director, Stan Gruszynski. Inlanta Mortgage’s corporate office is a recipient of the Million Dollar Lender Silver Award and its Antigo, Wis branch office (doing business as First Choice Mortgage) is awarded the Million Dollar Lender Gold Award.

The awards recognize lenders who have made a significant contribution in assisting Wisconsin rural residents achieve the dream of homeownership, in partnership with USDA Rural Development and the Guaranteed Rural Housing (GRH) program. Awardees have utilized in excess of $2 Million (for the Gold) and $1 Million (for the Silver) of GRH program funds in fiscal year 2009 in earning this recognition.

Representatives from Rural Development presented the award to Mike Fittante and Jim Fittante, Managers of the Antigo, Wisconsin branch office and Joe Ramis, Branch Recruitment Director, Nicholas DelTorto, Executive VP, and Jean Badciong, COO from the Inlanta Mortgage corporate office at a small ceremony on September 1, 2010.

“We’re thrilled to receive this award,” said Badciong. “Our Antigo branch has worked hard to help many local residents achieve their dream of homeownership and is receiving this award for the third consecutive year. This [GRH] program allows our customers in Antigo and throughout Wisconsin to obtain affordable housing, pride of ownership and most importantly helps the communities in which they purchase. Serving rural Wisconsin is a great honor for all Inlanta and First Choice Originators.”

“By working in partnership with lending institutions across Wisconsin, thousands of rural families have become homeowners,” said Gruszynski. “Our partnership with Inlanta Mortgage and our other approved lenders are highly valuable,’ he added, “and we look forward to sharing continued success with them as we provide affordable homeownership opportunities created through our Home Loan programs.”