Free Spanish leads - 02/28/07 05:07 PM
I have started a new leads program with my company but sometime they send me Spanish leads.  I don't speak a lick of Spanish so I am giving them away.Here are the rules.Must be a Loan Officer- as I am female and a minority the first lead goes to someone that fits both those categories.  Everything else is first come first serveMust be able to originate in VACarteret Loan Officers takes preference … (3 comments)

Wow this week just started off right - 02/13/07 09:06 PM
Just when I was about to through my hand up at 2007 things started looking up.  Yesterday I was honored when one of the officers from my Old command called me up and told me that my old commander was thinking of refinancing and he brought my name up and he wanted to speak with me.  When we contacted each other he asked my advise as the subject expert and wanted to do business.  All I can think was this was so great one because I need all the business I can get and two they respected my work ethic while … (2 comments)

What's the 411? What the purpose of Reverse Mortgage? - 02/13/07 08:09 PM

Reverse mortgages were specifically created to help senior homeowners more easily access the equity in their homes.  Many seniors have accumulated large sums of equity in their home over a period of years but either no longer qualify for traditional bank financing or do not want another monthly obligation at this stage of their lives.  This exciting program offers an alternative to traditional “home equity” financing.
With a Reverse Mortgage seniors can have all the security of owning a home without all the excess burden of making a monthly for as long as they live in the home.  This way they … (0 comments)

What's the 411? What is a Reverse Mortgage - 02/12/07 10:23 AM
                                          
A reverse mortgage is a mortgage that allows senior homeowners to access the equity in their home without qualifying or having to make regular monthly payments.  Based on their age, the value of their home and current interest rates, a certain percentage of their home value is available to them.  This equity can be accessed as a lump sum, a line of credit or a monthly payment paid to the homeowner.
With forward mortgages, payments are made by the borrower and the balance owed slowly decreases.  With a reverse mortgage, no payments are made by the borrower.  The accruing interest, … (0 comments)

Revamping 411/ Reverse Mortgage - 02/12/07 10:03 AM
Hi everyone it's been a while since I have written a blog.  Part of the reason is I have been immersing myself in Reverse Mortgage.  I think I have finally found my niche.  I love working with older borrowers because they really show their appreciation when you have done a great job. So I am going to start doing my 411 segments primarily on reverse mortgage.  There are exciting things happening in this field everyday.  Soon seniors will be able to buy properties with Reverse Mortgage, opening up a new income source for Realtors. 
Have a question on Reverse Mortgage?  Please … (0 comments)

What's the best loan for you? - 02/03/07 03:10 PM
 
*** these rates are for demonstration purposes only.****
 
 
      I.        30 year Fixed
       a.    A straight thirty year fixed loan is a traditional loan that amortizes your interest and principal over thirty years. This loan is the safest program because your monthly payment stays constant over the life of the loan.
       b.   An interest only I/O 30 year fixed loan is an option for those who love a 30 year fixed program, but would like a reduced payment. It is usually interest only for the first ten years, which means for the first ten years … (3 comments)

 
Caryll-

Caryll Miller

Mount Vernon, NY

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Saprinc Corp

Address: 11 W Prospect Ave, Mount Vernon, NY, 10550

Office Phone: (800) 245-5440 x 302

Cell Phone: (914) 513-9768

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