Real Estate and Mortgage Agents are you well informed and ready for 2009?

Many things have changed since March 2007 when our infamous stated products slowly faded and FHA made a comeback... What is hot today? Let me share with you what I'm doing.

 

Buyers:

I work with buyers who are eager to capitalize on today's low interest rates and affordable housing. I prospect to 4 clients a day 5 days a week in my area Inland Empire

The mortgage product I stick with is FHA all the way for so many factors. One major one being the awesome rate my client can receive and later I can offer them an FHA streamline which I will touch on under section Refinance.

Example homes in the area I sell are all less than $350,000. So loan amount is within FHA guideline. If buyer is not able to qualify with just their income you can add non- owner occupied co-borrowers. The key is the DTI (debt to income).

 

If you need ideas on prospecting or want to join me and sub your files with my company contact me angie@angieramirez.com

 

Refinance:

Well as we all now refinancing is very hard now a days because homes have less value making your LTV surpass lender guidelines.

I've tapped into the FHA streamline niche. I am doing FREE rate and term loans! Who qualifies: homeowners who can proof 12 month housing history and have a current FHA loan and want to do a rate and term not surpassing their current loan amount.

 

I'm also offering the short pay refi. We handle it all in house.

If you want to learn more about any mortgage products feel to contact me angie@angieramirez.com

 

 

NewKey Home Lending Information:

Intro

http://flash.newkeyhomelending.com/flash/Training11.html

Company Information

http://flash.newkeyhomelending.com/flash/Training13.html

Print Packet

http://issuu.com/stepupangie/docs/angie_ramirez_newkey_home_lending

 

 

angie ramirez newkey new key home lending

What's a Short-Pay Refi?

The Short Payoff Refinance is done using a standard FHA Loan Program. This process is similar to a short sale. The difference is instead of the owner-occupied property being sold, it is refinanced with a new lender.

A Short-Pay Refi is unique in that it allows the borrowers to keep their home, lower their payments and eliminate the upside down equity in their homes while reducing their principal.

What's the Process?

It's critical to build a relationship with the borrower's lender. If there are two, you will want to engage both primary and secondary lien holders/servicers at the same time because all parties will need to approve the demands.

What's so great is we handle all the negotiations for you. So our negotiation department builds credibility with previous lenders and the entire process becomes easier. We let them know your intent to re-negotiate the negative equity on the borrower's behalf. More and more lenders are open to this process.

The transaction itself is mostly a three part process. Negotiations are done by our Negotiating company lead by Chad in conjunction with the borrower and the lien holder.

First you and your appraiser need to establish the actual current value of the home. Next, we underwrite your borrower through Total Scorecard to the maximum ltv for that new value and issue our preliminary approval. Now, armed with your appraisal and our loan approval, Chad and your borrower can enter into equity re-negotiations with the bank/loan servicer for a discount on the current mortgage.

Once the bank/loan servicer accepts the offer presented and issues the shortened pay-off demand, we can complete the new loan transaction with the final underwrite, lock and go to docs and fund.

Who should get a Short-Pay Refi?

For those borrowers that still have decent credit scores, income and no mortgage lates but do to a decline in the value of their home (owing more than it's worth), a Short-Pay Refi is the perfect solution.

Aside from the decrease in the home's value, there are certain scenarios where the current lender will be more open to the proposal, for instance where there are financial challenges on behalf of the borrower and where default may be imminent due to these challenges or where the mortgage interest rate is scheduled to adjust upward.

You may also want to take into account loan costs when negotiating the short payoff amount. Find out if there are any liens on the property, which can pose problems for the loan approval process, including tax and/or mechanic's liens.

Remember, we intend to refinance the borrower into a low fixed rate FHA loan at the highest LTV (up to 97%ltv) possible. Please note that HUD/FHA loan limits per county do apply. This allows the borrowers to put the brakes everything gets away from them and spins out of control.

After the transaction is complete and the lien holder is paid off, it's completely up to that lien holder as to how they are going to rate the paid-off mortgage to the credit bureaus and as the loan officer you must explain this to your client. Depending on the lender, it may be filed as: Paid In Full, Settled, Charged-off, Paid for Less than Balance, etcetera.

This should be something they would want to discuss during the negotiations.

Opportunity to serve our market

There is a huge window of opportunity to serve all the clients in your community to start of with. So many people are upside down on their mortgages and would love to pay monthly base don the current value of their home. That's where NewKey Home Lending and the Short Pay Refi option along with our negotiating department come in. We help you with the support, expertise and care for your client's dreams and expectations.

Looking forward to helping you serve your clients and helping you gt back tot he lifestyle you deserve!

Gratefully,

Angie Ramirez

angie@angieramirez.com

www.myspace.com/newkeyfortune

angie ramirez newkey new key home lending

 

We help new, small and medium size businesses!  Our banking network is even more important than ever with today's economic hardships!  Our attitude is to teach our clients of what to do and not do to get through the corporate process. 

 

  • Obtain $50k to $300,000 in unsecured corporate credit
  • Build your corporate credit file
  • Reduce your personal liability
  • Protect from corporate identity theft
  • Legal and corporate consulting for your business

No age requirement! No shelf corporation required! No income documentation!

 

Required: a 700+ credit score or a credit partner (family member or business partner)!

 

A no credit requirement program is available - it's the "Business Credit Builder" program.

 

Call for a no obligation consultation today!

 

Gratefully, Angie Ramirez Real Estate, Mortgage & Business Planner

877-355-2904

 

Have your customers work with an experienced company for their loan modification.
Does your borrower owe more than the value of their home?
 
Is their credit bad?
 
Can't get them refinanced?
 
Are there payment going up?
 
You can help your borrower save their home!
 
This is not a loan!
 
Our loan modification department will renegotiating their mortgage with their current lender.
 
Bad credit OK.
 
Behind on payments OK.
 
Help your borrower today, keep a client for life! 
  

For complete details go to our site:

http://flash.newkeyhomelending.com/flash/Training12.html3      25 minutes 

Print these form to fill in @

http://issuu.com/stepupangie/docs/best_of_both_worlds_newkey_angie_ramirez/3

or go to www.myspace.com/newkeyfortune  

 

Real Estate & Mortgage Professionals:

Which of the two are you serving to your clients?

Do you know that in your RE and Mortgage practice,

how you're perceived is directly related to your earnings!

« What would your commissions look like if you could eliminate 97% of your huge competition?

« What collegiate degree do you have on Branding & Marketing?

« How are you capitalizing on market demand FHA/VA loan products?

                   

Mr. Don Hobbs                                       Mr. Todd Duncan

Industry Pioneer on                            the Only Best Seller

Agent Breanding                             in Mortgage Training

www.hobbsherder.com                       www.toddducan.com

 

May 17th 2008 9:30 am-12:00 pm Free Event in Buena Park, CA

www.powerupseminar.com

 
Hello All,
 
I have just compiled a few slideshows and thought i'd share them with you all.
 
Thanks to Brad Andersohn's many informatvie blogs, I took his advice and actually used a YouTube Widget to show all the slideshows I've made.
 
So.. here are a couple of my picture slideshows from a couple of vacations I've been on and also from a couple of NewKey Home Lending Events that we have.  


MyHotComments.com

 
We are having another FREE Seminar on December 15th at 10am. If you are in the Southern California area, we would love for you to join us! 
 

Attention Top Real Estate Agents, Mortgage Professionals & Brokers!

Fortune Training Seminar

Speakers:
 
Richard Lee
CEO, Mentor
 
Angie Ramirez
Gold President
 

Location:
 
Knotts Berry Farm Resort Hotel
3rd Floor - Irvine Room
7675 Crescent Ave.
Buena Park, CA 90620
 
 

ONLY A FEW SEATS ARE LEFT!

Don't miss your chance to attend this valuable seminar for FREE!

I want to personally invite you and a guest to attend the Fortune Training Seminar. For those of you that are looking to accelerate your learning curve by 8-10 months into just one day, this seminar is for you!
 
To Reserve your seat, email teamwork@stepuptofortune.com to RSVP.
 
Discover why Industry Experts are endorsing this Revolutionary Mortgage Company as 21st Century's Most Incredible Ownership Opportunity!
  • Learn how to build a Multi-Million Dollar Virtual Franchise that will allow you to live all of your dreams
  • Learn how to make a fortune and have a legacy to pass on to your family and loved ones
  • Hear from Real Estate Agents who took the market downturn and upturned their commissions and income!

What:

Fortune Training Seminar

When:

Saturday, December 15, 2007
10:00 am to 12:00 pm

Where:

Knotts Berry Farm Resort Hotel
3rd Floor in the Irvine Room
7675 Crescent Ave.
Buena Park, CA 90620
 
Join us for the most incredible, live changing event in the history of the company!
 
Are you being approached to leave the lucrative Mortgage Industry to sell juices, phone services, or memberships?
 
Don't quit your passion because of changed. Changes are an opportunity to Capitalize!
 
Reserve your seat today!
 
Sincerely,
 
Angie Ramirez
 

Attire: Business or Business Casual

 

If you are in the Southern California Area, we want to invite you to our Free Seminar! If you are not available on Dec. 1st, we hold seminars once a month so email us at teamwork@stepuptofortune.com for more information!

 
Attention Top Real Estate Agents, Mortgage Professionals & Brokers!!! 
FREE!  December 1, 2007  FREE! 
Starts 10:00am Sharp! Until 12:00pm 
Your are Invited By:
Angie Ramirez
 
Discover why Industry Experts are endorsing this Revolutionary Mortgage Company as 21st Century's Most Incredible Ownership Opportunity !
  
Are you being approached to leave  the lucrative
Mortgage Industry to sell juices, phone services, or memberships?
Don't quit your passion because of changes. Changes are an opportunity to Capitalize!
  
  
Knotts Berry Farm Resort Hotel
Room: TBA
7675 Crescent Ave. Buena Park, CA 90620
Do you need to make a fortune today? 
 
Do you worry about providing for you and your family's future?
 
Has the Industry guidelines put a crunch on your lifestyle?
 
 
Join us for the most Incredible, life-changing event in the history of the company!
 
Accelerate your learning curve by 8- 10 months in just one day!
 
By compressing decades in days.
Why Just Make a Living When You Can Make a Fortune?(TM) 
Real life Agents who took the market downturn and upturned their commissions and income! 
 
 
 
Angie Ramirez 
#1 Top Builder
   
Learn how to build a Multi Million Dollar Virtual Franchise that will allow you to live all of your dreams 
Richard Lee 
Mentor and Founder 
  
Learn How to make a Fortune and have a legacy to pass on to your family and loved ones  
 

 Email: teamwork@stepuptofortune.com to RSVP 

Knott's Berry Farm Resort Hotel 
Knotts Berry Farm Resort Hotel 
Room: TBA
7675 Crescent Ave. 
Buena Park, CA 90620 
 
Saturday, December 1, 2007
 10:00am - 12:00pm: Free Seminar 
Attire: Business or Casual Business Dress 
Free Food


 

Coach Phil explains why exercising your attitude is just as important as your body.

 

October 2007,

 


When we talk about fitness, we generally think about our "physical fitness" - the act of getting to the gym, taking exercise classes, lifting weights, running or biking. We envision a body with no flaws with great stamina and strength.

But there is another area of fitness that is even more critical to our business, personal life and overall well being. It's our attitude.

Attitude is Everything
We have heard many times, "Attitude is everything!" Well, truer words have not been spoken. Let's take a look at the definition of "attitude:" "A position of the body or manner of carrying oneself; a state of mind or a feeling; disposition; the orientation of an aircraft's axes relative to a reference line or plane, such as the horizon."

Attitude is the actual positioning of oneself in order to correct and put ourselves into alignment. Just like the aircraft must align itself in relation to the horizon, or what will happen? That's right. It will crash and burn. Just like us, we must align ourselves with the good that we want and veer away from what we don't want.

You're in Control
More closely, attitude is the conversation or thoughts we have with ourselves about something or someone. And who controls that particular conversation or thought? We do!

For example, let's focus on your real estate business. There may be a few different conversations that you may hold with yourself about your real estate career (All of which are made up by you). Perhaps you focus on, "This is too hard," or "I hate working with buyers," or "I hate listings. I have too many and they are not selling," or even, "This market is awful. I can't do it."

Or the opposite conversation: "I love my career, I get to work with who I want, I love my clients. Selling real estate is easy! Wow, I get listings every time! I feel energized!"

Empower Yourself
Which of these conversations do you believe will help you to mentally and emotionally operate more effectively? Which conversation provides more enthusiasm, enjoyment and empowerment? Which conversation "moves" you to better thinking, thereby creating better results?

The second conversation definitely gives you more empowerment and clarity, doesn't it? Empowerment builds you up. It creates a higher mood level, thereby creating more positive energy, which stimulates and leads to creating a fit attitude!

The first conversation, or negative conversation, was one of disempowerment, which creates a significantly lower mood level immediately. It sinks in to a low energy state and sucks out all creativity and excitement, thereby causing a great deal of doubt and uncertainty. In many instances for Realtors®, it leads them to a depressed state, which is the lowest emotional state you can experience. This is where no productive behavior can be achieved easily.

A Stronger Position to Face Life's Challenges
When we operate from an empowered state, then we are acting from a fit mental state. This instantly puts us in a much stronger position to handle the constant ups and downs that life offers us each day. We are ready to maximize the wonderful opportunities that come our way unexpectedly and expectedly. It also gives us a strong foundation to align ourselves to withstand the many challenges that life will throw at us.

This is a fact of life. The control we have over external situations is zero. What we do have control over is how we let it affect us, how we handle it and move forward to our next challenge or opportunity.

The ways we do handle our challenges is determined solely by our attitude. The more we practice correcting and fine-tuning our attitude, the better and quicker we can correct our thinking to meet the challenges head-on and turn them into opportunities. In other words, we are building up our "toolbox" to aid us in handling every situation that will come to us. The better the tools we implement into that toolbox, the better we will be able to navigate through all kinds of challenges and opportunities.

Practice Makes Perfect
We must practice continually empowering our minds via our attitude through conversations and thoughts. "I can do this." "I will handle it." "This is great! I love my life, I love myself." "I am powerful and creative," and so on. When we fill our minds with this kind of thinking, we have less room for the disempowering negative thinking. It will no longer freely creep into our thoughts.

This is our attitudinal workout, if you will. We are taking the necessary steps to working on our attitude, or "working out" our attitudes. With the proper tools in our toolboxes, we become stronger mentally and more ready to react with fitness and speed in order to calm rough waters or to take advantage of opportunities faster than other agents. We become the fitness gurus of mental acuity.

Propel Yourself Toward Your Goals
We get to propel ourselves toward our goals and gain the power to attain them rather than letting those disempowering conversations take you in the opposite direction of your goals, thereby making them more difficult to attain.

Using our "new attitudinal pull," we have created a system that will help us to attain so much more out of our real estate lives and even more important, to help pave the way to truly enjoying the process of achieving all the goals that you decide you want to achieve.

 

This is a very inspirational story on Enzo Ferrari, and his journey of significance and fascination. Please copy and paste this link to your browser and watch this inspiring video: http://videocafe.blogspot.com/2006/05/story-of-enzo-ferrari.html

 
 
Rainmaker_large

Angie Newkey Ramirez

Corona, CA

More about me…

Step Up To Your Dreams, Inc., NewKey Home Lending

Office Phone: (951) 801-1220

Email Me

How I went from working for my Broker for 95% commission to owning my own Multi-Million Dollar Virtual Business!




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