John Mattsson's Blog

New Jersey Jumbo Mortgage Rates, 30 Year 4.875% NO POINTS, NJ Lender

John Mattsson First Lenders Mortgage (Will BEAT Any Written Price ) — Sat, 14 Nov 2009 09:59:35 -0600

Currently offering New Jersey Jumbo Super Conforming 30 Year at 4.875% NO POINTS up to $729,750. These low rates have not been offered on super conforming so take full advantage of this low rate. Must have 740+ credit scores,Loan to value up to 80%, and show minimum 2 months reserves.

Please visit http:///www.firstlendersmortgage.com and mention ACTIVERAIN in the "how did you hear about us" and our only fee of $350 is WAIVED!

We are a Full Service New Jersey Licensed Mortgage Banker. Our customers save money and close their loans quickly because we employ the most advanced mortgage technology available! The Internet, advanced mortgage processing software, and automated mortgage underwriting systems are coordinated to speed the mortgage process and deliver the best rate and terms to our clients

New Jersey FHA Mortgage Rates and NEW Credit Score Requirements

John Mattsson First Lenders Mortgage (Will BEAT Any Written Price ) — Wed, 11 Nov 2009 20:32:25 -0600

Remember the days when someone with a 500 credit score could qualify for a New Jersey FHA mortgage? Well over the past year, FHA credit score requirements have been increasing. Nearly 20% of FHA loans are currently in default causing FHA lenders to be more cautious.

In this current mortgage market, to even be considered for a FHA mortgage, you MUST have a 620 minimum credit score. But we are seeing a trend that many other FHA lenders are now following.

Now, FHA lenders are looking for 640-660 credit scores for FHA financing. While there are still many who still require a 620 minimum credit score, NJ FHA lenders are imposing "pricing hits" to consumers who fall below 660 credit scores. So obviously there is an upward trend happening here with consumers looking to apply for an FHA loan.

In the future, don't be surprised if down payment requirements increase again and credit score minimums gradually increase as well. With rising unemployment and foreclosures, it is causing FHA lenders to alter their lending guidelines going forward.

Keep in mind, there are a "small few" of portfolio FHA lenders that will go below the standard 620 minimum credit score requirement. BUT they are hitting consumers with HEFTY pricing adjustments to get an FHA loan with credit scores below 620.

So if you are looking to obtain an FHA loan, be sure to check your credit scores early enough in the mortgage process, to give yourself ample time to see what you need to do to get your credit scores high enough today to avoid any and all pricing adjustments when applying for a New Jersey FHA mortgage. Also many mortgage companies can assist you in credit repair if necessary. Many mortgage companies will offer this at no cost. Be sure to ask!

Please visit http://www.firstlendersmortgage.com

New Jersey Mortgage Refinance Rates, 30 year 4.75% No Points!

John Mattsson First Lenders Mortgage (Will BEAT Any Written Price ) — Wed, 11 Nov 2009 20:26:28 -0600

We offer the LOWEST NJ rates with the Lowest fees. Current 30 year fixed 4.75% zero points

Whether you are looking for the lowest super conforming rates, NJ FHA Jumbo Rates, or super jumbo up to 3 million, First Lenders Mortgage offers the lowest rates combined with the lowest fees!!

Please visit http://www.firstlendersmortgage.com and enter Active Rain in the "how did you hear about us" and our $350 application fee is waived.

* Rates subject to change

2 Bedroom Bay Ranch Just One Block From the Beach,Middletown NJ $234,900

John Mattsson First Lenders Mortgage (Will BEAT Any Written Price ) — Wed, 08 Jul 2009 19:41:25 -0500

36 Ocean Avenue
Middletown, NJ 07748
2 Bedroom, Bay Ranch, One Block From Beach!

Edward Vivona

Real Estate Associate

Direct:	732-865-4549
Office:	732-946-0600

Price	:	$234,900
Bedrooms	:	2
Bathrooms	:	1
Square Foot	:	900
Lot Size	:	2,500
County	:	Monmouth
Property Type	:	Detached
Year Built	:	1928
MLS Number	:	20925623

click for more information and pictures

Property Description

Charming two bedroom beach bungalow with character in a great location is perfect for first time buyer or small family. The house delights with an open floorplan, lots of light, new floors and many upgrades with a cozy cottage feel. Newly tiled eat in kitchen with newer appliances open to comfortable living room with mounted flat screen and new laminate floors. Cozy dining area with large, custom plantation blinded windows across from a private office with great front window can double as a mud room off the front hallway. Large master bedroom and smaller second bedroom are carpeted with free standing wardrobes. Newly renovated bath and shower with new tile floor. Fenced in backyard with lots of shade is great for grilling, entertaining, or pets along with a shed for storage. You will love the one block walk to the beach which is this streets best kept secret. You can enjoy views of New York City, fishing, and pets are allowed! No matter where you are commuting to daily, New Jersey Transit trains, buses, and New York City ferry are all within a five minute drive along with Garden State Parkway access.

Features List

Taxes: $3,124.00	Vinyl Sided	Newer Windows
Newer Doors	2 Bedrooms	1 Full, Updated Bath
Nice Living Room	Built-in Cabinetry	Eat-in Kitchen
Newer Appliances	Office	Sitting Area
Great Color Scheme	Tidy Yard, Shed	Concrete Patio
One Block To Beach	Commuter Friendly	Clean & Carefree

Equal Housing Opportunity.

Mack-Morris Beth Thomas Edwards Realty : 61 East Main Street - Holmdel NJ 07733 : 732-865-4549

5 Bedrooms, 2 Baths, Fabulous Riverfront Views! $1,299,000, Brick NJ Waterfront

John Mattsson First Lenders Mortgage (Will BEAT Any Written Price ) — Thu, 11 Jun 2009 15:14:46 -0500

805 South Drive
Brick, NJ 08724
5 Bedrooms, 2 Baths, Fabulous Riverfront Views!

Edward Vivona

Real Estate Associate

Direct:	732-865-4549
Office:	732-946-0600

Price	:	$1,299,000
Bedrooms	:	5
Bathrooms	:	2
Square Foot	:	2,940
Lot Size	:	11,000
Community	:	Metedeconk
County	:	Ocean
Property Type	:	Detached
MLS Number	:	20922725

click for more information and pictures

Property Description

Spectacular Metedeconk River Front Views! Great 4 or 5 Bedroom Custom Colonial offers many updates, gourmet kitchen, full baths, carpeting. A meticulously cared for home, oversized property, beach, 100-ft dock with fresh water, electric, lighting and lift. A spacious lighted patio, bar area, perfect for entertaining, loads of parking and room for expansion. This year-round home features natural gas, 2 zone heating/cooling, two fireplaces, a carefree existence, vinyl sided, timberline roof, newer windows and paint. Your year round water front home in this great neighborhood is waiting! Call me now for a showing!

For More Information TEXT 6254 to 79564

Features List

Great Curb Appeal!	Great Neighborhood!	2 Level Colonial
2 Car Garage	Timberline Roof	Vinyl Sided
Updated Kitchen	Updated Large, Baths	2 Working Fireplaces
9 Total Rooms	New Upstairs Carpet	Newer Windows
Freshly Painted	2 Zone Heat/AC	Expansive Parking
100 Ft. Dock, Lift	Riparian Grant	Premium Size Lot
Gas,Town Sewer/Water	Private Well	Taxes $12,814

Equal Housing Opportunity.

Mack-Morris Beth Thomas Edwards Realty : 61 East Main Street - Holmdel NJ 07733 : 732-865-4549

Best Places to advertise Million Dollar Homes (New Jersey)

John Mattsson First Lenders Mortgage (Will BEAT Any Written Price ) — Wed, 10 Jun 2009 19:01:27 -0500

What are good internet websites to advertise million dollar plus homes? These homes are in Monmouth County New Jersey.

What are good ways to attract New York City and out of the area buyers for these type homes?

Any help would be greatly appreciated

FHA Streamline Jumbo Refinances,Credit Scores below 580, Awesome Rates

John Mattsson First Lenders Mortgage (Will BEAT Any Written Price ) — Sat, 23 May 2009 16:33:42 -0500

We currently have New Jersey FHA Mortgage Refinance or Purchase Rates at 3.625% NO POINTS up to $729,750.

Purchase or Refinance

CREDIT SCORES AS LOW AS 540!!!!

LTV up to 97.75%

Cashout Refinances up to 85% Loan to Value

Single family, Owner Occupied,Primary residence

Full Income Documentation

First Lenders Mortgage

www.FirstLendersMortgage.com

(732) 233-1128

jmattsson@firstlendersmortgage.com

ASK ABOUT OTHER STATES!!

NJ Licensed Mortgage Banker

Equal Housing Lender

FHA Jumbo Streamline Mortgage Rates,3.625% NO Points up to 729K,New Jersey

John Mattsson First Lenders Mortgage (Will BEAT Any Written Price ) — Mon, 18 May 2009 21:10:46 -0500

We currently have New Jersey FHA Mortgage Refinance or Purchase Rates at 3.625% NO POINTS up to $729,750.

Purchase or Refinance

Minimum credit score 620

LTV up to 97.75%

Cashout Refinances up to 85% Loan to Value

Single family, Owner Occupied,Primary residence

Full Income Documentation

First Lenders Mortgage

www.FirstLendersMortgage.com

(732) 233-1128

jmattsson@firstlendersmortgage.com

ASK ABOUT OTHER STATES!!

NJ Licensed Mortgage Banker

Equal Housing Lender

FHA Jumbo Mortgage Rates, 3.625% NO POINTS up to 729,000, New Jersey Lender

John Mattsson First Lenders Mortgage (Will BEAT Any Written Price ) — Thu, 14 May 2009 20:47:56 -0500

We currently have New Jersey FHA Mortgage Refinance or Purchase Rates at 3.625% NO POINTS up to $729,750.

Purchase or Refinance

Minimum credit score 620

LTV up to 97%

Cashout Refinances up to 85% Loan to Value

Single family, Owner Occupied,Primary residence

Full Income Documentation

First Lenders Mortgage

www.FirstLendersMortgage.com

(732) 233-1128

jmattsson@firstlendersmortgage.com

NJ Licensed Mortgage Banker

Equal Housing Lender

FHA Mortgage Refinance Streamline Rates,3.625% NO Points, New Jersey Lender

John Mattsson First Lenders Mortgage (Will BEAT Any Written Price ) — Sat, 25 Apr 2009 15:36:47 -0500

We currently have New Jersey FHA Mortgage Refinance or Purchase Rates at 3.625% NO POINTS up to $729,750.

Purchase or Refinance

Minimum credit score 620

LTV up to 97%

Cashout Refinances up to 85% Loan to Value

Single family, Owner Occupied,Primary residence

Full Income Documentation

First Lenders Mortgage

www.FirstLendersMortgage.com

(732) 233-1128

jmattsson@firstlendersmortgage.com

NJ Licensed Mortgage Banker

Equal Housing Lender

Jumbo Mortgage Rates/Lenders,4.875% NO points to 1 Million,New Jersey

John Mattsson First Lenders Mortgage (Will BEAT Any Written Price ) — Sat, 25 Apr 2009 10:05:35 -0500

We offer the BEST Jumbo Rates and programs!!

4.875% NO POINTS. Loans up to 1 Million (Loan can reamortize at any time)

Purchase or Refinance

Loans up to 3 Million (call for excellent pricing)

LTV up to 80%

No Minimum Credit score required ( must have clean credit)

FREE 90 Day Locks

Float Down Option available

Call or email today!!

First Lenders Mortgage

www.firstlendersmortgage.com

(732) 233-1128

NJ Licensed Mortgage Banker
Equal Housing Lender

ASK ABOUT OUR NO INCOME VERIFICATION AND SELF EMPLOYED STATED LOANS!!!

BE SURE TO MENTION "ACTIVERAIN"

FREE Credit Repair Services with your NJ FHA Loan/Mortgage

John Mattsson First Lenders Mortgage (Will BEAT Any Written Price ) — Sat, 25 Apr 2009 09:57:10 -0500

FOR A LIMITED TIME: We are offering FREE Credit Repair Services with any New Jersey FHA Mortgage Loan. To obtain the best interest rates for FHA loans, lenders now require a 620 minimum credit score. You can still obtain FHA financing with credit scores BELOW 620, but the pricing is not favorable.

-Receive UNLIMITED credit disputes for one FULL year

-FREE Unlimited Rapid Rescores

-FREE Expert Credit Advice

BONUS: Mention "ActiveRain" and also receive FREE Job Loss Mortgage Protection Insurance with your NJ FHA loan. Receive up to $1500 per month for up to 6 months if you lose your job* Call for Details

First Lenders Mortgage

jmattsson@firstlendersmortgage.com

(732) 233-1128

NJ Licensed Mortgage Banker

Equal Housing Lender

*Credit Repair Services provided by one of our affiliated partners

New Jersey Jumbo Mortgage Rates 4.875% NO POINTS,NJ Lender

John Mattsson First Lenders Mortgage (Will BEAT Any Written Price ) — Mon, 13 Apr 2009 09:52:12 -0500

We offer the lowest Jumbo Rates in New Jersey. 4.875% NO POINTS up to 1 million! Purchase or Refinance up to 80% Loan to Value.

No Minimum Credit score (Must have clean credit and no recent lates)

LTV up to 80%

Primary Residence,Owner Occupied, Single family Home

Full Income Documentation

FREE 90 Day Lock with Float Down Option!!

Call or email today for more info

First Lenders Mortgage

www.firstlendersmortgage.com

(732) 233-1128

jmattsson@firstlendersmortgage.com

NJ Licensed Mortgage Banker, Equal Housing Lender

FHA Mortgage Refinance Rates New Jersey(NJ) 4.25%

John Mattsson First Lenders Mortgage (Will BEAT Any Written Price ) — Sun, 12 Apr 2009 12:15:36 -0500

We currently have New Jersey FHA Mortgage Refinance or Purchase Rates at 4.25% NO POINTS up to $729,750.

Purchase or Refinance

Minimum credit score 620

LTV up to 97%

Cashout Refinances up to 85% Loan to Value

Single family, Owner Occupied,Primary residence

Full Income Documentation

BONUS: ASK ABOUT OUR JOB LOSS MORTGAGE PROTECTION INSURANCE. RECEIVE UP TO $1500 PER MONTH FOR UP TO 6 MONTHS IF YOU LOSE YOUR JOB. (call for details)

First Lenders Mortgage

www.FirstLendersMortgage.com

(732) 233-1128

jmattsson@firstlendersmortgage.com

NJ Licensed Mortgage Banker

Equal Housing Lender

NO Income Verification Loans up to 3 Million, AWESOME RATES

John Mattsson First Lenders Mortgage (Will BEAT Any Written Price ) — Mon, 26 Jan 2009 20:05:47 -0600

No Income Verification loans up to 3 Million(lower LTV's for higher loan amounts)

Must be able to verify assets and show enough reserves

LTV up tp 65% (no gift money permitted) Must be borrowers own funds

Credit scores 680 and higher (must have clean credit for the last 18 months)

cashout allowed on a case by case basis

NJ owner occupied properties.... single family residence

Purchase or Refinance

THIS TYPE PRODUCT IS ONLY AVAILABLE FOR NEW JERSEY PROPERTIES

First Lenders Mortgage
www.firstlendersmortgage.com

(732) 233-1128

NJ Licensed Mortgage banker
Equal Housing Lender

FREE 60 Day Trial for NJ Agents,Complete Marketing System

John Mattsson First Lenders Mortgage (Will BEAT Any Written Price ) — Sat, 06 Dec 2008 17:12:10 -0600

It's the holiday season and it's all about giving!!

I am offering any NJ Real Estate a FREE 60 day trial to my complete Marketing System. There is no obligation to use my mortgage services. I would just like for NJ agents to try my system and use it to the fullest. We all know money is tight but Marketing and Exposure is all crucial..

Please take a look at my marketing flipbook below as it will illustrate and the features of the program.

http://johnmattsson.mymarketingbook.com/

UNLIMITED Property websites

UNLIMITED pictures

Virtual Tour with every listing

Completely editable

Too many features to list

Call or email for more information

FREE 60 day trial to New Jersey Real Estate Agents

No Income Verification Loans/Stated Loans/New Jersey Lender

John Mattsson First Lenders Mortgage (Will BEAT Any Written Price ) — Sun, 09 Nov 2008 20:20:49 -0600

CLICK TO VIEW LISTING WEBSITE
Description and Features
Hurry before these type loans are gone! Looking for a NO Income Verification type product? Can't show all your income? We still offer these type loan products to well qualified applicants. Must have "clean" credit, sufficient assets, and sufficient reserves. Self Employed OK LOANS UP TO 3 MILLION. Rates currently in the 6's depending on product. Call or email today to see if you qualify for this unqique product.
Links
Company Website Listing Website

Anybody get any traffic posting on ByOwnerMLS.com?

John Mattsson First Lenders Mortgage (Will BEAT Any Written Price ) — Thu, 30 Oct 2008 15:23:03 -0500

Just wanted to see if anyone had any success posting FSBO properties on www.ByOwnerMLS.com? Any help/feedback would be greatly appreciated.

FREE Marketing System for Real Estate Agents

John Mattsson First Lenders Mortgage (Will BEAT Any Written Price ) — Wed, 08 Oct 2008 22:25:21 -0500


Description and Features
Are you looking for that competitive edge in todays market? Take advantage of my complete real estate marketing system for real estate agents. FREE Customer support 7 days a week. Take a look below to see examples of my marketing system. Call or email today for more information.
Links
Sample Website Sample Virtual Tour Sample Flip Book Comparison Chart to other providers

New Jersey Jumbo Lender/Investor/Lowest Rates/NJ Mortgage

John Mattsson First Lenders Mortgage (Will BEAT Any Written Price ) — Wed, 08 Oct 2008 22:18:25 -0500


Description and Features
We offer Fixed Jumbo Rates LOWER than regular conventional pricing. We have even better pricing for LTV's under 60% for purchases and refinances. We have the lowest jumbo rates in the country. Choose from Interest only or fully amortized payments> NO ESCROW required which means LOWER closing costs to you. We offer a FREE float down option for our customers. Once we lock you at these low rates, if rates come down during that time, we will automatically give that lower rate to you at no cost. Call or email today to receive a free no obligation price quote
Links
Company Website

Office Building with Residential Apartment, Red Bank $730,000

John Mattsson First Lenders Mortgage (Will BEAT Any Written Price ) — Sun, 28 Sep 2008 21:31:29 -0500

45 Riverside Avenue
Red Bank, NJ 07701
Office Building with Residential Apartment

...... Kelly Brier ...... ....& Tom Sheedy...
Commercial Sales & Leasing

KELLY:	732-598-7525
TOM:	732-796-2539
Website:	Visit Website

Price	:	$730,000
Bedrooms	:	2
Bathrooms	:	2.5
Square Foot	:	2,100
Lot Size	:	0
County	:	Monmouth
Property Type	:	Commercial
Year Built	:	1907

click for more pictures

Property Description

COMMERCIAL / PROFESSIONAL OFFICE W/RESIDENTIAL 2 BEDROOM APARTMENT.

Two story professional office building with a residential apartment located in Red Bank, NJ. Property has 5+ parking spaces located in parking lot on property. Located on major roadway in Red Bank offering great access and visibility.

Features List

1st Floor Office	2nd Floor Apartment	On-Site Parking
High Traffic	High Visability	Conference Room
Kitchenette	Handicap Ramp	Basement
Attic	Stained Glass Accent	Victorian Style
Red Bank Location	Water Views	Apartment Rented

Equal Housing Opportunity.

Coldwell Banker Commercial NRT : 864 Highway 35 - Middletown NJ 07748 : 732-598-7525

Complete Real Estate Marketing Program for Agents,NO Monthly Fees!

John Mattsson First Lenders Mortgage (Will BEAT Any Written Price ) — Mon, 18 Aug 2008 17:25:40 -0500

I am offering a Complete Marketing System for Real Estate Agents with NO monthly costs at all. I will extend this offer to the first 25 agents that sign up.

Here are some of the features of the system:

- A Complete property Website dedicated to just that property Sample: http://28woodmandrive.canbyours.com/

-Text Messaging Service included: Includes Call Capture. Utilizing next-generation texting technology, anyone can "text" for more property information while sitting in front of your listing. Property information will immediately be text'd back with a link to your .mobi site that contains complete information and multiple pictures.

The buyers got what they want, and now it's your turn... Turn this interested prospect into a buyer with our call capture capabilities. You'll be notified immediately about their interest in your listing and you'll be emailed their phone number. Now you can strike while the buyers are sitting in front of your listing!

-Virtual Tour created automatically for you with moving pictures and music. You will have complete control of your tours. Add up to 20 pictures,change the zoom in/out,pan left/right and choose the background music. sample: http://28woodmandrive.ePropTours.com

-Each account can have UNLIMITED property websites with UNLIMITED pictures,documents, and media

-Record your own voice-over or use our text-to-speech converted for website and tours

-Automated Feedback system included: Many sellers may feel you did not do enough to get feedback from the potential buyers. Show them you go the extra mile to keep them informed. (and use this information to make quick and precise adjustments to your marketing)

-Quick, easy and fast online printing of up to 4 different flyers & postcards for each property

-One click classified postings to Craigslist and Backpage Sample: http://jerseyshore.craigslist.org/reb/800583357.html

-Hit tracking software included: See exactly where the views are coming from ( great to email to client)

-Automatic feeds to the most popular websites: Google Base,Trulia,Hotpads,Homescape,CLRsearch,Vast,Oodle,Front Door,Dothomes, and more

-Control all aspects of your Property Websites, the Layout, the Colors, the Page contents, even upload your pictures and videos... Control everything and anything with our simple to use administration screens

- FREE Customer support 7 days a week

-Upload as many Listing Pictures as you like for each of your properties. Don't let your website limit your ability to properly market your properties... upload as many pictures as you like.

In addition to uploading unlimited pictures for your listing, we also allow you to upload videos clips, flash presentations, PDF files, WAV clips. Whatever it takes to properly market your property, we'll make sure you can do it

-Create Flip Show Books to help enhance your marketing Example here: Fully Editable http://edwardv.mymarketingbook.com/

-Aerial Views included with every property website. Choose from over 100 different music selections for your property sites.

Coming soon: Burn each property website to a CD... New features ALWAYS being added to the system

Some other single property website providers charge up to $49 per property site.

Take a look at this chart to see how it compares to other providers: http://tinyurl.com/6afhf7

BONUS: All signups will have access to my 3 day/2 night Vacation certificate to use how you see fit. Each certificate can be personally customized of your choice.. Example here: http://www.greatvacationforyou.com/c.php?i=3152

For a one time $49 setup fee, you will have unlimited access to the program for 12 months and unlimited vacation certificates. No Monthly fees.. Unlimited property websites(per agent).. Good for rental properties and commercial too.

Call or email for additional information or questions

For Sale By Owner(FSBO) Marketing program,70% OFF!!, Just $29.95

John Mattsson First Lenders Mortgage (Will BEAT Any Written Price ) — Wed, 13 Aug 2008 16:34:18 -0500

Click Here To View Flyer
View Flyer Web Page

For Sale By Owner(FSBO) Marketing Program,70% Off!

John Mattsson First Lenders Mortgage (Will BEAT Any Written Price ) — Wed, 13 Aug 2008 16:31:37 -0500

Click Here To View Flyer
View Flyer Web Page

Questions about Agents paying for Appraisals for their listings?

John Mattsson First Lenders Mortgage (Will BEAT Any Written Price ) — Sun, 27 Jul 2008 12:59:11 -0500

I had a question that I hope I can get answered from the real estate professionals here on Active Rain. With the many overpriced listings out there, and to try to price a home accurately from the start, I have this question:

When a real estate agent takes a new listing, If they wanted to have an certified appraisal done ( at their expense) to price the home right from the start, are they allowed? An agent friend of mine has been staying away from listings because most sellers as we know are unrealistic with their asking price. Not to mention, many homes that receive contracts are not comping out when an appraisal is done at that time.

I wouldn't see why there would be a problem if an agent is willing to pay for an appraisal to price his listing right from the beginning?? This is New Jersey of course.

Any help would be greatly appreciated