John R. Thomas - Delaware Mortgages - Delaware FHA Loan

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Mortgage and Lending - Primary Residential Mortgage Inc. - NMLS 38783
Delaware Mortgage loans for the purchase or refinance of homes in Delaware. Advice on Delaware mortgage rates and loan programs. Delaware FHA Loans, Delaware USDA loans, Delaware VA loans, and Delaware Reverse Mortgages. John R. Thomas is the author of the book, Your Guide to Buying Your First Home in Delaware.

ARCHIVED BLOG POSTS

2008 

Jobless Claims fell 18k to 365k, slightly better than the expected fall of 10k.  In general, the weaker the labor market, the better MBS fare.  On a deeper level of the data though, examining the trend in continuing claims points to the weekly claims reading remaining high, but still not as high ...
05/08/2008
I  was reading a blog on active rain ;  http://activerain.com/blogsview/391326/Create-a-Personal-Handwritten and I found this great resource for a hand written signature at http://www.mylivesignature.com/It was really easy to use just like John Sigler said it would be in his post.  Here is my sig...
05/06/2008
Fed Chairman Ben Bernanke said accelerating rates of foreclosures and delinquencies can have a significant impact on the economy and called for more to be done in order to prevent them. Speaking Monday night at the Columbia Business School's 32nd annual dinner, Bernanke said the rate of foreclosu...
05/06/2008
For many of your clients, FHA is the only game left in town. Therefore, when FHA changes the rules, the whole industry is affected. Well, for the first time in its more than 60 year history, FHA is giving specific guidance as to how it will treat those without traditional credit histories. Do you...
05/06/2008
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RETIREMENT SPENDING:  A new study on the spending habits of retirees concludes thatan individual's spending declines by no more than 6% annually in post-working years(RAND Corporation, National Bureau of Economic Research).  This is big news for someone who thinks they need to have less money com...
05/05/2008
A Charitable Gift Annuity (CGA) is a contract (not a trust) between a donorand a charity.  Under the terms of the contract, the donor gives assets to a charityin return for a fixed, annual payment for the life of the donor or the lives of twodonors.  There is a group called the American Council o...
05/05/2008
SO WHY AREN'T MORTGAGE RATES DROPPING?:  A common belief is that mortgage rates dropwhen the Fed cuts interest rates.  No so fast.  When the Fed cuts the Federal FundsRate, the overnight lending rate that the Fed uses with other banks, the stockmarket often gets excited about the lowering of this...
05/05/2008
INTEREST RATES AND OTHER ECONOMIC NEWS:  The Federal Reserve lowered short-termrates again by 25 basis points...a poorly kept secret.  The Committee's accompanyingstatement hinted that this might be the last reduction for some time.  The economylost another 20,000 jobs in April, but this was bett...
05/05/2008
Please Read this whole section before you make a comment!  I have been updating I previously posted this a little pre-maturely based off a news flash from a wholesale lender I use, rather than delete the post even though I got some harsh critism I have decided to further investigate and see if we...
05/01/2008
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John Thomas

First Time Home Buyer Expert
local_phone(302) 703-0727
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Delaware Mortgage loans for the purchase or refinance of homes in Delaware. Advice on Delaware mortgage rates and loan programs. Delaware FHA Loans, Delaware USDA loans, Delaware VA loans, and Delaware Reverse Mortgages. John R. Thomas is the author of the book, Your Guide to Buying Your First Home in Delaware.