John's Blog

online sites for home values

Wells Fargo Home Mortgage — Fri, 26 Dec 2008 17:58:03 -0600

I use these sites on occasion and found them usefull for refiance transactions

I have found that values have been a moving target and advise anyone to consult a liscened realestate appraiser.

Please feel free to post any other websites that would be handy

http://www.realestateabc.com/home-values/

http://realestate.yahoo.com/Homevalues

http://www.homeinsight.com/

http://www.bankofamerica.com/modular/index.cfm?template=hc_home_worth_modular

https://www.quickenloans.com/mortgage-calculator/home-value

and of course....

http://www.zillow.com/howto/Zestimate.htm

please add to the list!!

FHA Streamline refinance

Wells Fargo Home Mortgage — Thu, 25 Dec 2008 21:55:59 -0600

Interest rates are near historical lows!

The calls are starting to come in... And quite a few of the callers have already been advised by the me NOT refinance. It just doesn't make sense for every homeowner.

But, if you have a rate that will adjust in the near future or your fixed rate is 6% or higher.... This might just be the opportunity that is too good to pass up. It costs nothing for me to look at your mortgage profile. And you could save thousands in interest payments over the life of your mortgage. (Note: Some lenders charge an application fee... And should be avoided).

apply online at www.johncashion.com

usda guarnteed rural housing income limits for Kent and Sussex Co Delaware

Wells Fargo Home Mortgage — Wed, 03 Sep 2008 08:33:04 -0500

Borrowers participating in the Rural Development Program may have an income of up to 115% of the median income for the area. The allowable income depends on the county where the subject property is located and the number of members in the household. For more information regarding the income limits for this program, visit the income guidelines page on USDA Rural Development web site.

Find the county or metropolitan statistical area (MSA) listed vertically on the chart for the subject property and the number of household members listed horizontally to find the gross income allowance. (There are two income lines for each county or MSA. The top line applies USDA's Direct housing program and the bottom line to USDA's Guaranteed housing program at the bottom. Use the bottom line.)

Common adjustments to the gross income include childcare for children 12 years and younger; a $480 deduction for each child under 18 years, 18 years or older and handicapped, or a full-time student who is not the applicant or spouse or co-applicant; and a $400 deduction for each elderly household member.

1 person 49,550

2 person 56,600

3 person 63,700

4 person 70,750

5 person 76,400

John Cashion

Home Mortgage Consultant

Wells Fargo Home Mortgage

250 Beiser Blvd Suite 201
Dover, Delaware 19904
302-672-1213 Tel
888-678-3250 Toll-free

302-242-1975 Cell

302-678-7134 Fax
john.w.cashion@wellsfargo.com

http://www.johncashion.com

Kent County Delaware USDA eligibilty map 102% financing

Wells Fargo Home Mortgage — Wed, 03 Sep 2008 08:11:11 -0500

All of Sussex County

in Kent County the City of Dover is ineligible

but the rest of the county qualifies

No First-Time Buyer Requirement

The Rural Development Loan is available to borrowers in need of housing?even when they have owned a home in the past. The loan is also available to borrowers who currently have a home that is not in the local commuting area or is not structurally sound or functionally adequate.

Flexible Credit Criteria

The Rural Development Loan offers manual underwriting that benefits borrowers who have not yet established credit or who suffer from lagging credit scores despite a sustained recovery from past difficulties.

Our underwriters consider all factors, including extenuating circumstances, in order to make appropriate decisions regarding applicants who indicate a reasonable probability of successful homeownership. This gives an advantage to those who do not qualify for loan programs involving credit score based technology as the basis for loan approval.

No Down Payment

The Rural Development Loan offers financing up to 102 percent of the appraised value of the property. Therefore, a down payment is not required.

Financed Settlement Costs

The Rural Development Loan amount (based on value) above the purchase price may be used to pay related insurance premiums, loan closing costs, escrow deposits, and incidental expenses. With no down payment and financed settlement costs, borrowers can acquire homes with little or no money.

John Cashion

Home Mortgage Consultant

Wells Fargo Home Mortgage
250 Beiser Blvd Suite 201
Dover, Delaware 19904

302-672-1213 Tel
888-678-3250 Toll-free

302-242-1975 Cell

302-678-7134 Fax
john.w.cashion@wellsfargo.com

http://www.johncashion.com

What is the VA Funding Fee and why do I have to pay it?

Wells Fargo Home Mortgage — Wed, 20 Aug 2008 07:42:13 -0500

The VA charges a Funding Fee to most veterans who obtain a VA mortgage loan to help sustain the VA home loan program. The VA Funding Fee is between 1.5% and 3.3% of the loan amount and varies depending on your military classification, whether or not you have obtained a VA loan before, and the amount of down payment you are making. Veterans receiving VA disability are exempt from paying this fee.

In most cases, the VA Funding Fee is financed rather than being paid in cash at closing

Listing Agents

Wells Fargo Home Mortgage — Sat, 21 Jun 2008 19:23:02 -0500

Listing Agents!

At Wells Fargo Home Mortgage, we understand the challenges you face in today's market.

The Wells Fargo Listing Edge^SM program offers you unique financing and marketing capabilities with the intent to give you the edge you need including:

Special financing options
Marketing
- Financing flyers
- Co-branded listing invitations
- Yard signs
- Reference in the MLS that special financing is available
- Other promotional tools
Single Source® financing expertise
PriorityBuyer® preapproval
Close-on-time^SM money-backed guarantee

https://www.wfhm.com/wfhm/john-cashio/index.page

Wells Fargo REO's

Wells Fargo Home Mortgage — Sat, 21 Jun 2008 19:20:49 -0500

REO Simplified

What does REO mean anyway? How is this different from the typical buying process? When considering a REO property - as with all properties - it is important to be well informed so you're well aware of the process from the first handshake through the closing.

Q. What does REO mean?
A. REO is an acronym for Real Estate Owned. REO is a financial industry term referring to properties that an institution has foreclosed upon and now owns.

Q. If I submit my offer directly to you rather than through the listing agent, will Premiere Asset Services accept a lower price?
A. We only accept offers that have been submitted through the listing agent. We price our properties in accordance with the local market and expect to sell at market value. As with any property listing, our asking price takes into account its condition as compared with the local market.

Q. After submitting my offer, how long should it take to receive a response?
A. We will provide either an offer acceptance or counter offer to our listing agent within 48 hours of receiving the offer from our listing agent. The listing agent will inform your buyer's agent of our response if you are working with a separate agent, or you directly. If an offer is submitted during the weekend, it will be reviewed on the next business day.

Q. What if the property requires repairs, either minor or substantial?
A. Make sure that you speak with the listing agent to ensure that you understand the terms of our listing clearly. In most cases, the property will be offered in an "as is" condition, with the list price reflecting its condition. When purchasing a property "as is", ensure you've done your homework to clearly understand the structural and mechanical condition of the building, HVAC, internal plumbing, the well and septic system. Depending upon the condition of these components of the home, the types of financing available may be impacted. However, there are special loan products available that will lend on the "after improved" value of the home thereby making it possible to purchase even the most neglected property and to make it the home of your dreams. For details, visit the Homebuying Resources

Here is a link to receive Email listing properties that match your search criteria. You will receive an Email when properties are updated, if there are new properties that match your search criteria. Simply indicate the properties that interest you by selecting the appropriate criteria in the boxes below. Secondly, please provide your Email address and hit 'Save' to begin receiving Email Property Alert notifications.

http://www.pasreo.com/pasreo/public/emailAlert.do

Feel free to apply online https://www.wfhm.com/wfhm/fullapp/AccountSelection/submit.do

FHA Risk Based Pricing....

Wells Fargo Home Mortgage — Fri, 20 Jun 2008 21:01:40 -0500

Only one major player in the mortgage market has never shifted to risk-based pricing - FHA, the largest federal mortgage program for first-time and minority buyers. But that may be about to change.

Beginning July 14th, FHA will now utilize risk based pricing for mortgage insurance, giving borrowers with better credit lower closing costs for the upfront premium. The monthly premium will increase by 1 basis point.

The current upfront premium of 1.5% will be dropped to 1.25% for borrowers with the middle FICO score above 600. For borrowers below 559, the premium will increase to 1.75%. Borrowers in between the two markers will remain the same. For loan to values above 97% which is most common, the premiums increase further...up to 2.25% for the worst credit with the highest LTV. The monthly premium for high LTV goes up to .55% which is considerably lower than conforming mortgage insurance.

This change in policy will reduce costs for borrowers with decent credit, but raise them for the least qualified borrowers. Other key changes in the FHA MI policy are lowering the upfront MIP to 1% on streamline refinances and not considering gift funds in determining risk for the LTV.

getting a condominium project FHA approved

Wells Fargo Home Mortgage — Fri, 20 Jun 2008 20:52:26 -0500

Can any one give me direction on the process for getting a condominium project FHA approved? Has anyone guided one through HUD? Or can you recomend anyone who would assist in this process? I know there is a couple of firms that specilize in it.

Any help is welcome.

I am not looking to get a 'spot approval' but to get the project on the approved list.

It is for a 1100 unit project that has already sold 3 phases out. The current owner occupancy is above 71%

it is a legaly phased project in sussex co delaware...

Finding the right Mortgage

Wells Fargo Home Mortgage — Thu, 19 Jun 2008 07:31:07 -0500

Specialized Loan Programs

Like your new home, you should choose your mortgage based on the specific features it offers and how those features support your unique homebuying needs. Our innovative loan programs give you the flexibility to manage your home asset the way you want to.

Purchase & Renovate^SM program

Relationship Rates for Wells Fargo Customers

Lock Your Rate While Looking

Reduced Paperwork Program

Compare Our Specialized Loans

Flexible Options For Managing Your Cash Flow

Are you looking for the predictable monthly payments of a fixed-rate mortgage? Or do you need the lower up-front payments of an adjustable-rate loan? What about a combination of both? Whichever it is, we have loans to help you manage your payments in a way that brings you closer to your financial goals.

Predictable Monthly Payments

Lower Monthly Payments Up Front

Loans to Help You Overcome Financial Obstacles to Homeownership

Have you put your dream of owning a home on hold because of credit issues, high debt ratios, lack of savings, or other financial challenges? We're proud to provide loan programs that help people move beyond short-term problems into a lifetime of homeownership.

Buying a Home with Little or No Cash

Understand Your Mortgage Options

Loans to Help You Build Your Dream Home

Building a new home can be a great way to get just the right features and options to fit your lifestyle. We provide customized solutions that can help you finance your project easily and conveniently.

Protection from Rising Interest Rates while Building

Flexible Home-Construction Financing

New Issue of Delaware Bond Money

Wells Fargo Home Mortgage — Thu, 19 Jun 2008 07:24:13 -0500

Single Family Mortgage Revenue Bond Program (SFMRB)

Commonly referred to as the First-Time Home Buyers Program, this statewide program provides first mortgage financing at below-market interest rates to low- and moderate-income Delaware homebuyers who have not owned a home in the past three years.

How To Apply

Contact a me and say you want to participate in this program
Make sure you (the borrower) meet all borrower requirements.
Ensure the property you want to purchase meets all property requirements.
Understand the loan terms, contract requirements, and related details.

Targeted Areas
Throughout this page the terms "targeted areas" and "non-targeted areas" are used. Different qualification requirements apply if a targeted or non-targeted area is selected by a borrower. You can see if the property you want to purchase is in a targeted area by clicking on a Census Tract number below.

Borrowers purchasing in targeted areas do not have to meet first-time homebuyer status requirement.
Targeted areas include the following Census Tracts:
- New Castle County: 1, 7, 17, 20, 21 and 22. Or, see all tracts.
- Kent County: 411 Or, see the CT 411 area.
- Sussex County: none at this time
Prior-issue targeted funds are still available.

Borrower Qualifications
To qualify, a borrower's current gross family income cannot exceed:

County	Area	1 or 2 Person Households	3 or More Person Households
New Castle	Non-targeted	$74,300	$89,160
	Targeted	$85,445	$104,020
Kent & Sussex	Non-targeted	$67,500	$77,625
	Targeted	$81,000	$94,500

Notes

A first-time homebuyer is defined as a borrower who has not owned a principal residence in the past three years. (The only exception to this rule is a borrower purchasing a home in a targeted area.)
A mobile home on rented land or a temporary foundation does not count as homeownership.
Borrowers must provide copies of their federal tax returns for the past three years.

Property Qualifications
To qualify, a property's purchase price cannot exceed:

County	Type of Loan	Type of Home
County	Type of Loan	1 Unit	2 Units	3 Units	4 Units
New Castle	Non-targeted	$456,054	$513,661	$624,074	$720,085
	Targeted	$557,399	$627,808	$762,757	$880,104
Kent	Non-targeted	$444,189	$500,298	$607,839	$701,352
	Targeted	$542,898	$611,476	$742,914	$857,208
Sussex	Non-targeted	$384,868	$433,484	$526,662	$607,687
	Targeted	N/A	N/A	N/A	N/A

Notes

Purchase price limit includes all consideration passed from buyer to seller, including lot (if acquired less than two years before settlement), improvements such as well and septic, and the cost of the house.
A mobile home may be financed if it is deemed real estate, secured to a permanent foundation, and meets the standards of the mortgage lender and mortgage insurer.
Conventional loans with loan-to-values up to 100% are acceptable.
Lenders are advised to visit the Program Underwriting Manual for guidelines and more information.

Loan Terms

Interest rate is fixed for 6.25% for thirty years.
"Assisted Loan" interest rate is fixed for 6.75% for thirty years.
FHA, VA and RHS loans may be made under the mortgage program following FHA, VA and RHS underwriting guidelines.

Who has Section 8 housing experience?

Wells Fargo Home Mortgage — Mon, 19 May 2008 21:21:41 -0500

I have a client who wants to branch into sec 8 rentals.

So im looking for some feedback to pro's and con's

He seems to think there is alot of people with vouchers and

not enough properties to fill the local needs.

What is Section 8?
Section 8 is a federally funded housing subsidy program that provides low-income families the opportunity to choose and lease safe, decent and affordable privately owned rental housing by supplementing what they could afford on their own. Public Housing Authorities apply to the U.S. Department of Housing and Urban Development (HUD) for Section 8 funds, which are then provided to eligible families in accordance with HUD rules and regulations.

Delaware Links

Wells Fargo Home Mortgage — Mon, 19 May 2008 21:10:31 -0500

Community Links

Delaware State and Local Government

State Home Page

State of Delaware

State Directory

State Government Telephone Directory

City Guides

Statewide Offices

Legislative Branch

Delaware State Legislature

Judicial Branch

Judicial Branch

Executive Branch

Boards and Commissions

County

Kent	New Castle Sussex

City

Town

Libraries

LibCat list of libraries in Delaware

Mortgage Basics

Wells Fargo Home Mortgage — Sat, 17 May 2008 22:09:05 -0500

Mortgage Basics

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Although each individual home financing package has its own variety of features, the concept of a mortgage is really quite simple: a mortgage is a loan made to help you finance a home. Your lender advances you a certain amount of money, which you repay over a specified period. Interest Rates, points, and loan fees The total cost of your mortgage is determined by a number of different factors, most notably the interest rate, discount points, and loan fees.

Interest rate refers to the percentage of your outstanding loan balance that you pay the lender each month as part of the cost of borrowing money. Your interest rate will be based on the current overall rate environment, as well as your financial profile and the specific features of your loan.

Discount points allow you to "buy down" your interest rate at closing. One point equals 1% of your loan amount, and the more points you pay, the lower your interest rate will be, and the less you will have to pay each month. If you wanted to lower your closing expenses, you could also accept a slightly higher rate and pay no points.

Loan fees are up-front charges to cover the cost of originating, processing, and closing your loan, among other things. An origination point is a loan fee that equals 1% of your loan amount.

When considering loan pricing, keep in mind that interest rates, points and fees should be considered together. The interest rate alone only tells part of the story. The expenses that contribute to the cost of your loan can be expressed as the annual percentage rate (APR).

The interest rate only tells
part of the story

Related Tools >More

> Monthly Payment Calculator
> Free Prequalification

Your monthly mortgage payment Mortgage payments can generally be divided into four parts: principal, interest, taxes, and insurance. These are often referred to with the acronym PITI.

Principal refers to the amount of money you borrow to buy a home, and to the outstanding loan balance at any point during the mortgage term.

Interest is the cost of borrowing money. As noted above, the amount of interest you pay each month is determined by your interest rate.

Taxes assessed by your local government will likely be collected by your lender as part of your monthly payments, and then paid annually or semi-annually on your behalf. This process is known as an escrow.

Insurance, like property taxes, is normally collected by the lender in an escrow account. Insurance offers financial protection, and has two major components:

Homeowner's insurance, also called hazard insurance, protects you against damage to your property caused by fire, wind, or other hazards.

Mortgage insurance protects your lender in the event that you fail to repay your mortgage. Whether you must pay mortgage insurance usually depends on the loan program and the size of your down payment.

Note that the loan's APR doesn't figure into the calculation of the monthly payment. The APR reflects all the costs of your mortgage, including not only the quoted interest rate (used to calculate the principal and interest) but also required loan fees such as loan points, fees and mortgage insurance. Next Topic: Choosing a Loan

Mortgage or Preapproval

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Free Consultation

Equal Housing Lender

John Cashion

Home Mortgage Consultant
Office: (302) 672-1213
Fax: (866) 922-3298
Mobile: (302) 242-1975
Contact Me

250 BIESER BLVD
DOVER, DE 19904
Directions

Homeownership Guides

Download one of our guides for practical information on a variety of homeownership topics.

Homebuying Tools

Free Prequalification Rent vs. Buy Calculator Loan Calculator Monthly Payment Calculator More>>

Getting pre-approved

Wells Fargo Home Mortgage — Sat, 17 May 2008 22:08:08 -0500

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A preapproval is your lender's written commitment to finance your home purchase up to a specific amount. Getting preapproved is a smart move for serious homebuyers because it shows sellers that you come to the negotiating table ready to complete the transaction. Preapproval vs. prequalification A preapproval indicates that a lender has taken a detailed look into your financial background and has committed to lend you a certain amount of money, pending specific property details. Because preapproval includes a credit check, it's more powerful than a prequalification letter, which generally only estimates what you can borrow based on information you've provided.


		Shop for a home with the confidence of knowing exactly how much you can borrow

Related Tools

>More

> Preapproval Services
> Free Prequalification

What are the advantages of being preapproved? Preapproval offers a number of advantages over waiting to apply for a mortgage until after you've found a home. It lets you:

Shop for a home with the confidence of knowing exactly how much you can borrow.
Take advantage of the preference many home sellers have for preapproved buyers.
Find out about possible qualification problems early in the homebuying process.
Avoid the hectic rush to find the right mortgage loan at the same time that you've found a house.

Who can benefit the most from preapproval? Preapproval is a great advantage for anyone buying a home, but it can be especially useful for buyers looking for their first home and those who are self-employed or work on commission.

First-time homebuyers. Without a record of previous mortgage payments, sellers may see first-time homebuyers as less likely to obtain financing than a similar buyer who's already demonstrated the ability to meet a monthly mortgage payment. A preapproval helps even the field by showing the seller that a lender has already run the numbers and is willing to proceed with the transaction.
Self-employed buyers or commissioned employees. Because their incomes may fluctuate more dramatically, self-employed and commissioned buyers often lack the financial documentation of salaried employees, which can send up a red flag to some sellers. Showing that a lender has already considered these factors will help mitigate this risk.

How does the process work? Before you begin shopping for a home, submit your financial information to Wells Fargo Home Mortgage. We'll review your loan application and then, if you meet the qualification requirements, we'll provide you with a written preapproval for a certain mortgage amount, down payment, and interest rate, subject to the terms of the commitment letter. The loan commitment letter can be finalized after information about the property, including an appraisal, is submitted. Next Topic: Closing the Deal

Mortgage or Preapproval



			Apply Now



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Five Common Homebuying Myths

Wells Fargo Home Mortgage — Fri, 16 May 2008 21:36:17 -0500

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			Free Consultation

Because of some common misconceptions, many people believe homeownership is out of their reach. Don't let these myths keep you from the personal and financial rewards of homeownership. Myth #1
"I don't have enough money for a down payment."
In the past, buying a home required a 20% down payment. But not today. In fact, 7 out of 10 first-time homebuyers make a down payment of 10% or less. I have loan programs that can help you buy a home without a lot of cash, or any down payment at all.
Learn more about our low down payment programs
Download Your Down Payment Options Guide Myth #2
"I have less-than-perfect credit, so I can't get a mortgage."
A less-than-perfect credit history doesn't have to stand in your way of reaching your homeownership goals. I have helped thousands of individuals move beyond credit challenges into homes of their own.
Learn how we can help you
Download Your Credit Guide Myth #3
"It's less expensive to rent."
In fact, there's a good chance that your monthly payments will be lower than they are right now. And unlike rental costs, your monthly principal and interest payments will stay the same for the life of a fixed-rate mortgage. Moreover, as a homeowner, you'll be building equity in your home, which is wealth that you can use to achieve your financial goals.
Learn more about fixed-rate loans
Compare the cost of renting versus buying Myth #4
"The whole mortgage process is long and complicated."
We want to make buying your first home as easy as possible. I will help you through each step of the financing process, so you won't have to go it alone.
Download Your First-time Homebuyer's Guide Myth #5
"I won't be able to make my monthly payments."
My goal is to help you succeed financially, so I'll carefully review your loan options with you and help you choose the loan that's right for you. With a loan that fits your budget and your financial goals, your home will be a powerful tool in building a secure future for you and your family.
Read about loan options for homebuyers
Discuss your options with me Other next steps
Learn about our approval options for house hunters.
Read our homebuying tutorial to learn what to expect when buying a home.

Mortgage or Preapproval



			Apply Now



			Free Consultation

Equal Housing Lender

John Cashion

Home Mortgage Consultant
Office: (302) 672-1213
Fax: (866) 922-3298
Mobile: (302) 242-1975
Contact Me

250 BIESER BLVD
DOVER, DE 19904
Directions

Homeownership Guides

Download one of our guides for practical information on a variety of homeownership topics.

Homebuying Tools

Free Prequalification Rent vs. Buy Calculator Loan Calculator Monthly Payment Calculator More>>

Lowering Hurdles to Homeownership

Wells Fargo Home Mortgage — Fri, 16 May 2008 21:34:46 -0500

Some of my customers used to think that there was no way they could get a mortgage. Perhaps they had too much debt, had credit problems, or hard-to-document income. If you share those same concerns, you've come to the right place. That's because I'm here to help you get a mortgage. Wells Fargo Home Mortgage provides financial solutions that focus on helping you meet your current needs and fulfill your plans for the future. Interested in buying a home? Homeownership can help you build your financial security, and I can help you take the next step to buying your own home. Let's talk. Request a Consultation Interested in refinancing? Your home equity is probably your largest asset, and a refinance can help you use it to improve your financial situation. Work with me to get the loan you need to move forward. My free equity analysis is a great first step. Request a Free Equity Analysis Adjustable-rate mortgage refinancing strategies. Concerned about monthly payment increases from an interest-rate adjustment? Get information to evaluate your financing Building Financial Security through Homeownership
Learn how your home can help you build a more secure financial future.

Building Financial Security

How to Understand Where You Are

Getting Closer to Your Goals

Download a Free Copy of Your Credit Guide
With the right information and support, you can move past credit issues and onto solid, home-based financial footing. Download Your Credit Guide today for practical tools and sensible advice to help you leave credit challenges behind. Credit FAQs

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Equal Housing Lender

procrastination

Wells Fargo Home Mortgage — Thu, 15 May 2008 21:01:22 -0500

Negative habits can kill our chances to be successful, there is one thing that is sure to make you fail and that is not doing anything. If you dont do anything toward your goals you will not get anything at all, in fact the great achievers of all time failed hundreds of times before being successful, but they made things happen, they took action, they didnt think about how hard it would be or how much time it will cost them, they just did it.

The habit of putting things off will just get you frustration and lack of motivation to do more things. When you make the habit of working every day to move forward, you will see results, even small results and when you start experiencing positive results you will gain momentum and you will want to do more to achieve more.

But if you just procrastinate and every time that you have to get done something challenging you put things off, life will not be better, in fact our time is very limited and while you are sitting there doing nothing or doing things that dont matter, other people are running to get over you and achieve the goals that you would have gotten.

Even when you have some difficult or time consuming tasks to do, make the habit of break the problem in to small parts and then complete each part step by step, even if you are moving just one step at a time you are moving forward and you will get to the goal.

There are some negative habits that you should avoid, when you want to work:

Turn off the cell phone
Close the door
Avoid instant messaging or any other kind of communication.
Dont eat anything until you finish a task
Dont do task that are not focused on your goal
Dont make excuses

Those are just negative things that you should avoid and instead you should do positive habits like:

be proactive
set a schedule
write your goals
set deadlines
keep track of your progress
reward your self

HOW DO I GET TRAFFIC TO MY SITE?

Wells Fargo Home Mortgage — Mon, 12 May 2008 20:43:20 -0500

Many people think that having a good website is all you need to get tons of visitors. Wrong answer. Getting traffic to your site takes hard work and diligence and is not accomplished overnight. Think about it this way - how are people supposed to know where to find your site if you don't tell them? You must advertise. Here are some proven ways to advertise your site without spending [much] money:

Submit your site to as many search engines as you can. Here are some of the popular ones you can start with:

Google AltaVista Yahoo Alexa AllTheWeb

AOL Euroseek Exactseek Excite Inktomi

Kanoodle Lycos Moteurderecherche National Directory SearchIt

Teoma What-U-Seek DMOZ
Use a favicon.ico -
If you have a Christian Website, be sure to submit it to all the Christian Directories. Christian Directories here.
Have Dynamic content on your site - Message Board, Links Directory, Guest Book, Online Search, Picture Gallery, Quote of the day, News items, Site Search, Links Engine ... It all makes for a more enjoyable experience for your visitors ... and happy visitors come back.
Make sure you don't have broken links on your site! There is nothing more annoying when one clicks a link and it does not work. There are hundreds of places you can go on the internet that will check your link validity. Use them.
Make sure your META TAGS are done right.
Submit your site to as many privately run Link Directories/Search Engines as you can find. These will not generally boost your traffic in any major way but will help to maintain steady stream of qualified visitors.
Use Banners with care. .
Subscribe to the Usenet groups and advertise there. A good place to start is Google Groups
- Be sure to submit your site in appropriate groups!
- Be sure to signup with a backup email or you will get onto every spammers database!
- Be sure you don't SPAM -- only submit a write up of your site once to any given group.

There are thousands of sites out there that will sell you hits to your website. The big ones you may know are Google, AltaVista, Overture etc. However, these are mostly overpriced as they work on a bidding system where you bid against others on keywords. For example, if you type "Christian Web Hosting" on Google you get all those links on the right and the top. These are paid advertising links. Every time you click a link, the advertiser pays ... up to $50.00 for a click! I don't know about you but I certainly won't pay that kind of money for a click. The more "valuable" the word or phrase, the more you have to bid in order to get your site near the top. Crazy huh?

Then you get the smaller advertisers. These are usually small companies or individuals that run some kind of paid advertising scheme. In my opinion, this is where you will get the best value for money. But beware, some are good and some are outright crooks! Be very careful!

Examples of this kind of advertising include those who sell you paid niche market indices, pop-under ads, pop-up ads, pay per click ads, banner adds and redirected traffic. From experience, we have found only some of them are worth it. The rest are dodgy investments at best.

Predictable Monthly Payments

Wells Fargo Home Mortgage — Mon, 12 May 2008 20:32:39 -0500

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If you're looking for the security of knowing that your monthly principal and interest (P&I) payments will never change, consider refinancing with a fixed-rate mortgage.

Loan Program	Features	Best For

Fixed-Rate Mortgage	Monthly principal and interest (P&I) payments that stay fixed for the entire life of the loan Protection from rising interest rates	Borrowers who prefer regular payments with no surprises Homeowners with limited or fixed incomes People who plan to stay in their homes a long time People who are refinancing a home at a time when interest rates are comparatively low
40/30 Fixed-Rate Balloon Mortgage	Fixed rate for 30 years, followed by a single "balloon" payment of the entire remaining balance¹ Lower monthly payments than with a 30-year fixed-rate mortgage² More borrowing power due to lower monthly payments and a longer loan term	Borrowers who prefer regular payments with no surprises People who plan to stay in their homes a long time Homeowners who are concerned that their debt could keep them from qualifying

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¹ The interest rate on a 40-year loan may be higher than that of a 30-year loan, causing significantly more in interest payments.
² If only scheduled payments are made for the entire loan term, the balloon payment could be as much as 50% of your original purchase balance.

refinancing a a home with little or no cash

Wells Fargo Home Mortgage — Mon, 12 May 2008 20:30:40 -0500

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Wells Fargo Home Mortgage provides a variety of loan programs that can help you refinance your home without spending a lot of cash, or any at all.

Loan Program	Features	Best For

Closing Cost$aver^® Program	Little or no out-of-pocket closing costs Available with a wide range of loan products	Homeowners with high debt ratios Homeowners with little equity
FHA Streamlined Refinance	Closing costs may be funded by a gift or unsecured loan No income or asset verification, no credit report, and no appraisal	Current FHA mortgage holders who want to: Reduce monthly payments by refinancing to a lower interest rate Avoid hefty closing costs Refinance as quickly and conveniently as possible
VA Interest Rate Reduction Refinance Loan (IRRRL)	Closing costs may be funded by a gift or unsecured loan No income or asset verification, and no credit report	Current VA mortgage holders who want to: Reduce monthly payments by refinancing to a lower interest rate Avoid hefty closing costs Refinance as quickly and conveniently as possible

Purchase & Renovate SM Program

Wells Fargo Home Mortgage — Fri, 02 May 2008 20:14:44 -0500

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Do you plan on buying a home that needs improvement? Now you can finance both the purchase and renovations with just one loan! The Purchase & Renovate program offers:

More Money. The amount of money you are permitted to borrow for the purchase and renovations is based on the increased value of the home after improvements are made.
Lower Monthly Payments. Your renovation costs are spread throughout the entire term of the loan-so your monthly payments may be lower than other financing options.
Tax Deductibility. The interest on the cost of your improvements, included in your mortgage, may be tax deductible.¹
Speed. Start making improvements immediately after closing. No need to wait to put in that modern kitchen or new roof. And, no need to pass up a house that's in the ideal location but needs improvement.
Simplicity. One application, one set of fees and closing costs, one closing to attend and one payment each month

Best for people who:

Are interested in buying a house that will need work, but want to avoid going through the hassle of getting two separate loans.
Need extra financing to improve newly purchased property.

The Purchase & Renovate loan gives you the funds to purchase a home and renovation, all in a single loan. Unlike first mortgages with a home equity loan to fund renovations, the amount of money you are permitted to borrow with the Purchase & Renovate loan is based on the home's value after improvements are made. And it works far more to your advantage than other financing options. Make the renovations you want...now!

The Refinancing process

Wells Fargo Home Mortgage — Fri, 02 May 2008 17:59:10 -0500

The Refinancing Process

Master the essentials of the refinancing process with this online step-by-step reference.

Adjustable-Rate Mortgage (ARM) Refinancing Strategies

Concerned about monthly payment increases from an interest-rate adjustment? Get information to help you understand what occurs and to evaluate your financing options.
Learn More

Wells Fargo Homeownership Guides

Download one of our helpful guides today, and get practical information to help you make the right refinancing decisions.
Your Equity Usage Guide
Your Credit Guide
Your Reverse Mortgage Guides
>More Homeownership Guides

Securing Your Retirement with a Reverse Mortgage

With a reverse mortgage, you can refinance your way to a comfortable retirement. Learn how to turn your home into a source of income, so you can enjoy the financial freedom you've worked for.
Learn More

Moving Beyond Credit Challenges

At Wells Fargo Home Mortgage, we understand that dealing with life's challenges may lead to falling behind on payments. Whatever you've been through in the past, we want to help you build a secure future through homeownership.
Learn More

Special Military Programs

Explore your refinancing options by working with the leading originator of FHA/VA loans nationwide¹. Regardless of your branch or current status, you'll get the support you need.
Learn More

Additional Information

Apply online at

https://www.wfhm.com/wfhm/john-cashio/index.page

Need more information? Read our answers to some frequently asked mortgage questions, or look through our glossary of home financing terms.
-FAQ
-Glossary

The Wells Fargo Homebuying Process

Wells Fargo Home Mortgage — Fri, 02 May 2008 17:55:39 -0500

The Homebuying Process

Master the essentials of the homebuying and financing process with this online step-by-step reference.

> Free workshops about buying your first home, second home, or an investment property
Learn the fundamentals at one of our nationwide workshops, where you'll get tips and strategies from our mortgage consultants and local real estate experts. > The Five Myths^SM that Create Barriers to Homeownership
Buying a home is a key step in building your financial security. Don't let these five common myths keep you from enjoying the benefits of homeownership. > Moving Beyond Credit Challenges
At Wells Fargo Home Mortgage, we understand that dealing with life's challenges may lead to falling behind on payments. Whatever you've been through in the past, we want to help you build a secure future through homeownership. > Special Military Financing Programs
Work with the leading originator of FHA/VA loans nationwide¹ to explore your financing options. Regardless of your branch or current status, you'll get the support you need to realize your homeownership goals - whether you're responding to PCS orders, refinancing, buying your first home or your next one. > Buying or Building a New Home
Building a new home involves unique financing requirements. Wells Fargo Home Mortgage can guide you through the variety of options so you can get the financing that meets your needs. > Homeownership Guides
Download one of our helpful guides for step-by-step information on buying your first home, buying a vacation home, making a down payment, and many other homeownership topics. Additional resources
- FAQ
- Glossary
- Mortgage calculators

Reverse Mortgages

Wells Fargo Home Mortgage — Sun, 27 Apr 2008 19:54:17 -0500

Reverse Mortgages

Today, there are more homeownership options for retired individuals and couples than ever before. Make the Most of Retirement!
If you are at least 62 years old and have low or no outstanding mortgage debt, our Reverse Mortgage programs can allow you to borrow against the equity you've built in your home. That's the "reverse" part of this kind of mortgage loan. Instead of making monthly payments, you can opt to receive them! Reverse Mortgage vs. Traditional Refinance Loans
Traditional refinance loans mean that the homeowner borrows a large amount of money and makes monthly payments. As payments are made, the loan balance gets smaller and the equity grows. With a Reverse Mortgage, the homeowner borrows small amounts - monthly or at other intervals through a line of credit. Over the course of time, the loan balance gets larger, and equity gets smaller. The balance due can come from home sale proceeds or from other resources, such as savings, insurance, or possibly applying for a new mortgage. There is no requirement that the home be sold, only that the loan be repaid. Ask a reverse mortgage consultant for details about when repayment may be due. Flexible Access to Extra Income
Reverse Mortgages allow borrowers to obtain loan proceeds:

in a lump sum to cover large expenses
in monthly installments to supplement income
as a line of credit to draw on as necessary
There is even a choice for an immediate advance of funds. And borrowers can change funds-distribution plans as many times as they wish. Stay in Your Home with Peace of Mind

There are no income, employment or credit qualifying restrictions.*
Maximum loan amount is based on age, where borrower lives and the value of the home. The amount owed cannot exceed property value, so a Reverse Mortgage cannot cause you to lose your home.
You do not need to repay the loan as long as you or one of the borrowers continue to live in the house, keep the taxes current and maintain the property to FHA standards. (Please ask our reverse mortgage consultants about the limited events that trigger payment.)
Your Wells Fargo Reverse Mortgage consultant will listen to your post-retirement goals and help you choose the best financing solution to achieve your dream.
Start Your Application apply now www.johncashion.com
* Reverse Mortgage borrowers are required to obtain an eligibility certificate by receiving free counseling sessions with a HUD-approved agency. Family members are also strongly encouraged to participate in these informative sessions.

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