lender: FOMC Cut the Feds Fund Rate and the Discount Rate! - 12/11/07 04:14 PM
Great News...the Fed just lowered the Fed Funds Rate and the Discount Rate by .25%!
Overview of the meeting:
The FOMC cut both the Fed Funds rate and the Discount rate by .25%. The Fed will assess new data as it is available and act as needed. Notes were made to a continuing … (3 comments)
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lender: We care about your physical health and your fiscal health! - 09/04/07 02:43 PM
If you're like most people, buying a home is the single biggest investment you will make in your lifetime. Taking the time to tend to your mortgage as you would your health is a necessary part of being fiscally responsible. Before making a decision to buy a home, ask your lender … (1 comments)
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lender: 1311 Anna Ct Cedar Park, TX 78613 - 09/04/07 02:26 PM
Cedar Park Property - 1311 Anna Ct
List price $429,900
Cedar Park is just a short drive to downtown Austin!
4,398 Square Feet 5 total bedroom(s) 4.5 total bath(s) Fireplace features: Gas Log Fireplace3 car garageHeating features: Central Heat, Natural Gas Central air conditioning Single Family Property County: Williamson Subdivision: Buttercup Creek Ph … (0 comments)
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lender: 129 Hanstrom Dr Hutto, TX 78634 - 09/04/07 02:15 PM
129 Hanstrom Dr Hutto, TX 78634
Hutto is a great community with a short drive to Austin! This would be a great place for a family!
List Price $169,990
4 bedrooms2.5 bathrooms2,909 Square FeetYear Built: 2003Two Story2 Car GarageHutto ISDHeating features: Central Heat Central air conditioning For more information about this contact Brian Childress at … (0 comments)
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lender: 2003 Forest Hill Cv Round Rock, TX 78664 - 09/04/07 02:10 PM
Round Rock Property - 2003 Forest Hill Cv
List Price$ 264,900
Year Built: 20013 bedrooms, 3 bathrooms2,932 square feetSingle Story2 car garageRound Rock ISDLocated on a cul-de-sac Exterior construction: All Sides Masonry For more information on this property contact Brian Childress at 512-922-6425 phone or on his website at:
http://www.buyaustintxrealestate.com
Brian is … (0 comments)
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lender: Phone numbers you will need if moving to the Austin area... - 08/27/07 03:29 PM
When you move to a new area it is always nice to have the numbers to get you water, electric, gas, phone, and cable hooked up. Here are the numbers if you are going to be moving to the Austin area.
… (1 comments)
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lender: Financing your Real Estate Investment... - 08/27/07 02:38 PM
Financing your Real Estate Investment
Conventional Lending Private Banking Seller Financing
Conventional Lending
The HighlightsLoans underwritten to Fannie/Freddie Guidelines Favorable Terms- Rates about 3/8% to 5/8% higher than owner occupied Investor loans differ from owner occupied loans SFR, duplexes, and quad plexes have different loan requirements/benefits What do I need for Down Payment?Standard … (0 comments)
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lender: The Basics of Real Estate Investing... - 08/27/07 02:32 PM
Types of Real Estate Investments
Investing Techniques Holding vs. Selling Single Family, Multi-Family Apartments, commercial, lots Fixer uppers vs. Ready Property Personal Homes Rentals
4 Elements of a Return
Cash Flow Equity Growth from Principal Reduction Equity Growth from Appreciation Tax Savings Financing your Investment
Conventional Lending Private Banking Seller Financing … (0 comments)
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lender: PrimeLending - 08/27/07 02:14 PM
With over 20 years in the mortgage industry, PrimeLending has seen the business of home financing at its best and its worst. Through it all, PrimeLending has learned not only how to survive in challenging markets, but how to thrive. We know how to do this by having our ducks … (0 comments)
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lender: 14009 Layne Lp Leander, TX 78641 - 08/27/07 01:45 PM
14009 Layne Lp Leander, TX 78641
List Price $74,990
If you are looking for a great piece of property with a great view then this is the place for you!
Manufactured or Mobile Home Property Travis CountySubdivision: Leander Hills Sec 2 Year Built: 1996 4 total bedrooms and 2 bathroomsPropety: .52 acresApproximately … (0 comments)
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lender: 185 Buttercup Way, Kyle, TX 78640 - 08/27/07 01:36 PM
185 Buttercup Way, Kyle, TX 78640
List Price: $149,900
4 bedrooms, 2.5 bathrooms2004: Year Built2,101 Square FeetCounty: HAYS Subdivision: Indian Paintbrush Ph 03 2 car garage Kyle, Texas is a great place to live with only a short drive to Austin.
For more information about this house contact Eric Olson at 512-905-0506 or check out … (0 comments)
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lender: 4715 Cypress Bend, Austin, TX 78744 - 08/27/07 01:28 PM
4715 Cypress Bend, Austin, Texas 78744
List Price: $84,990
2 bedrooms, 1.5 bathroomsYear Built: 1983Square Feet: 988Garage attachedfireplacefenced yardClose to UT CampusSome of the community features include:
For more information on this house contact Eric Olson at 512-300-0036 or on his website at:
http://www.buyorsellaustinhomes.com/
… (0 comments)
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lender: 7806 Jenner Cove, Austin, TX 78729 - 08/27/07 01:21 PM
7806 Jenner Cove, Austin, Texas 78729
List Price: $247,900
4 bedrooms, 3.5 bathroomsYear built: 19923,148 Square Feet.19 acres2 car garageThe Milwood subdivision is a great place for families. In this community you have many great features like a community park, fitness center, and you are walking distance from schools. If you are … (0 comments)
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lender: 2162 Redwing, Round Rock, Texas 78664 - 08/19/07 10:25 AM
2162 Redwing, Round Rock, Texas 78664
List Price: $109,900
Round Rock is a great location and only a short drive to downtown. This house is perfect for a family with 3 bedrooms and 2.5 bathrooms. It is also perfect for entertaining with large trees in the backyard. You are also within 5 miles … (0 comments)
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lender: 129 Hanstrom Drive, Hutto, Texas 78634 - 08/19/07 10:19 AM
129 Hanstrom Drive, Hutto, Texas 78634
List Price $169,990
If you are looking for a great place to live check out Hutto! This house 4 bedrooms and 2.5 bathrooms. There are also huge vaulted ceiling and a huge backyard. The best part about Hutto is that you are only a short drive from … (0 comments)
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lender: Canyon Lake, Texas - 08/13/07 11:11 AM
Vintage Oaks at the Vineyard is located in Canyon Lake, Texas. If you love the Texas Hill Country then this is the place to be. This is a master planned community right in the middle of the hill country. There are tons of amenities like walking, biking trails and a … (2 comments)
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lender: Another New Development in Austin, Texas - 08/10/07 08:36 AM
Avery Ranch is a great community if you are looking for a place to move too! It is a master planned community with lots of great neighborhoods and great amenities. Some of them include the 2 elementary schools, 18 hole golf course, and ponds. This is place to live that … (1 comments)
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lender: New Development in Austin, Texas! - 08/10/07 08:25 AM
The Old Mueller Airport is about to become a great place to live and shop! They are developing four residential neighborhoods that are great for everyone. They range from multi-family houses to apartments and townhomes. There will also be about 400,000 square feet of retail space … (1 comments)
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lender: The Texas Market - 08/05/07 08:40 AM
I know all the reports have said that the housing markets are slowing down...but I don't think that has happened in Texas. I live in Austin, Texas and the market is doing great! I have been looking at houses for the last couple of months and everytime I found one I … (7 comments)
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lender: Reverse Mortgage? - 08/04/07 09:42 AM
Reverse Mortgages A reverse mortgage is a type of loan used by adults who are 62 years or older to convert the equity in their homes into cash. We call this a reverse mortgage because instead of you making monthly payments to a lender, the lender makes payments to you. This can be a … (3 comments)
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lender: Full Doc verses Stated Income...What is the difference? - 08/04/07 09:27 AM
Full Doc A full doc loan is one that requires that the borrower present documents, such as:
bank statementsW2sTax returnspaycheck stubs This type of loan usually offers lower rates because there is less of a risk for the lender. On the other hand, if you are self employed you may not have all of the required … (0 comments)
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lender: What impacts the interest rate of an ARM? - 08/04/07 09:20 AM
An ARM is an adjustable rate mortgage. There are several aspects of ARMs that impact interest rates including:
IndexMarginInterim capsPayment caps IndexThe index is the financial instrument that the loan is "tied" to, or adjusted to. The most common indices, or, indexes are the 1-Year Treasury Security, LIBOR (London Interbank Offered Rate), Prime, … (0 comments)
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lender: Types of Standard ARMS...good info for buyers! - 08/04/07 09:11 AM
Types of Standard ARMs (Adjustable Rate Mortgages)Several adjustable rate mortgages include:
6-Month Certificate of Deposit ARM1-Year Treasury Spot ARM6-Month Treasury Average ARM12-Month Treasury Average ARM. When ARM's lag behind the market it allows you to take advantage of lower interest rates even if the market's rates are rising quickly. On the otherhand ARMs that react … (0 comments)
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lender: Loan Program Highlights - 08/04/07 08:43 AM
Loan Program Highlights
DPA (Down Payment Assistance)ZERO Down Pmt Interest OnlyOne-Time CloseLot LoansConstruction ProgramsJumboFixed Rate & ARMSNo DocStated Income/AssetSecond HomeFHA & VAHome EquityInvestmentGet Pre-Qualified today!The first step in the mortgage process is becoming pre-qualified for a loan. With a prequalification,
you will know from the beginning what kind of home you can afford … (0 comments)
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lender: Fixed Rate Verses ARM...Which would you pick? - 08/04/07 08:35 AM
Adjustable rate mortgages
The adjustable rate mortgage or ARM allows the interest rate to fluctuate throughout the life of the loan. With the rising interest rates this loan type may be a little risky. On the other hand the ARM may allow you to purchase a more expensive home.
Fixed Rate MortgagesOn a fixed rate mortgage … (0 comments)
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lender: What's going on with the Market? - 08/04/07 07:41 AM
Ok I would for a broker company and it seems like everyday now there are changes being made.
Do these sounds familiar?
Now only 95% LTV with our company
No stated income on loans over 90% LTV
There are still 100% loans out there but the market is getting tighter and more and more … (3 comments)
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lender: Some Homeownership Facts for consumers - 08/01/07 11:28 AM
What is Homeownership?
The American dream An opportunity to provide for family A tax deduction Property appreciation Having the nicest lawn on the block Your own backyard Your own garage Homeownership Brings:
Sense of community Stability Tax benefits (Consult your tax advisor) Stable housing costs Potential appreciationThe Home Buying Process: The Homebuying Team: … (1 comments)
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lender: Seven Questions - 08/01/07 11:21 AM
1. What sets Centerpoint Mortgage apart from other mortgage companies?
We are extremely client centered. Our seasoned mortgage professionals are very
perceptive and listen to all the questions our clients present. Our attention to detail
enables Centerpoint to be competitive and expeditious.
2. How many offices does Centerpoint have in the Texas?
We currently are located … (0 comments)
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lender: Top 10's of Networking - 07/23/07 04:58 PM
1. Take plenty of cards with you. Make sure they have a picture on them that looks like you, or on any material that you bring. Wear your name badge at all times & use your city name often.
2. Do not sit, stand or talk with anyone from your city and certainly your … (16 comments)
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lender: The Home Buying Basics - 07/23/07 04:37 PM
If you know what to expect - and you're working with a trusted team of mortgagelending
professionals - finding and financing your first home can be an exciting and rewarding experience.
Here's what you need to know:
OBTAIN A MORTGAGE PREAPPROVAL BEFORE YOU BEGIN HOUSE HUNTING.
• Learn how much home you can afford
• Strengthen … (1 comments)
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lender: Choosing a home loan that is perfect for you often leads to more questions than answers. - 07/23/07 04:19 PM
Here are some frequently asked home loan questions.
What does a mortgage consist of ? A mortgage is a loan for the purpose of buying a home. The four basic components are:
Principal, Interest, Taxes and Insurance (PITI)
What is a home equity loan?Sometimes referred to as a second mortgage, a home equity loan allows … (0 comments)
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lender: 10 Things to avoid when purchasing a home - 07/23/07 04:10 PM
Anxiety, Deadlines, Questions, Fatigue: All affect your decisions.
The home buying experience can be extremely stressfull - all while
being one of the most exciting purchases and endeavors of your life. Let us help
you through the process.
Here are 10 factors you want to consider:
• Do not make any major purchases prior to making a … (1 comments)
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lender: Tax Benefits of Home Ownership in the US - 07/23/07 04:02 PM
How to stretch your dollar
1. Real property taxes, state and local income taxes and personal property taxes are fully deductible.
2. Interest paid on first and second home mortgages can be deductible if your income bracket is adequate.
3. Home office space used for business may be fully deductible.
4. Points paid by buyer … (1 comments)
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lender: Great Statistics for your clients looking to move to Williamson County - 07/23/07 03:53 PM
You know when you clients ask what is the population, things to do, etc. These stats can help you out for clients looking in the Williamson County.
… (1 comments)
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lender: Austin and surrounding area floods - 07/23/07 03:15 PM
With all the recent floods in the Central Texas area it has not been so great for homeowners near the lakes or rivers. Since June 27th Austin, Texas and surrounding areas have seen a huge amount of rain and flooding. Many homeowners who thought that their houses would be safe from … (0 comments)
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lender: Steps of the loan process - 07/23/07 10:15 AM
There are four main steps involved in getting a loan here at Centerpoint Mortgage. You'll see that we've made your part in them as easy as possible, and we do all the work! That's what we're here for.
Step one: determine how much you can borrow
This is a function of a couple … (0 comments)
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lender: where kids eat free in Austin, Texas! - 07/23/07 10:00 AM
The fun and easy way to keep up with hungry kids. Brought to you by Centerpoint Mortgage. These are some great tips to give to your clients that have kids.
MONDAY
Zuzu - Kids eat free after 6 p.m.
TGI Friday's - Kids eat free
Texadelphia - Kids eat free from 3 to close
Gattiland … (6 comments)
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lender: The loan process steps...good info to give your borrowers - 07/20/07 12:21 PM
There are four main steps involved in getting a loan here at Centerpoint Mortgage. You'll see that we've made your part in them as easy as possible, and we do all the work! That's what we're here for.
Step one: determine how much you can borrow
This is a function of a couple … (1 comments)
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lender: The process Steps...good info to tell your borrowers! - 07/20/07 12:20 PM
There are four main steps involved in getting a loan here at Centerpoint Mortgage. You'll see that we've made your part in them as easy as possible, and we do all the work! That's what we're here for.
Step one: determine how much you can borrow
This is a function of a couple … (0 comments)
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lender: Factors to Keep in mind while buying a home - 07/20/07 11:36 AM
Factors you want to keep in mind during your home buying Process
Do not make any major purchases while you are buying your homeDon't charge up your credit cards during the home buying processDo not change jobs unless absolutely necessaryDo not get any new loans during your home buying processDon't allow emotions … (3 comments)
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lender: When to call a loan officer or a Realtor - 07/20/07 11:34 AM
When it might be a good idea to call a loan officer or a Realtor
If you plan to sell your home within the yearBefore you list your home with a RealtorBefore making an offer on a propertyTo refinance your existing mortgageWhen you're thinking of downsizing your homeIf you are planning to … (2 comments)
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lender: Steps of a mortgage loan - 07/20/07 11:33 AM
Get Pre-Qualified!
The first step in the mortgage loan process is becoming pre-qualified for a loan. With a pre-qualification, you will know from the beginning what kind of home you can afford and your pre-qualification letter places you in a better position in a competitive bidding environment.
The Steps of the Home … (2 comments)
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lender: An overview of the loan process for your borrowers! - 07/20/07 11:24 AM
There are four main steps involved in getting a loan here at Centerpoint Mortgage. You'll see that we've made your part in them as easy as possible, and we do all the work! That's what we're here for.
Step one: determine how much you can borrow
This is a function of a couple … (0 comments)
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