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mortgage planning: Financial Literacy Starts with a Family Budget - 02/06/08 12:11 AM
We are all feeling our pocket books being pinched in so many different way these days. The economy might be heading into a recession, costs of goods are increasing, gas prices are at an all time high, and for some homeowners it just getting tough to make ends meet.
Recently I met with a homeowner who approached me about refinancing their home. As we started getting to their core needs about pulling cash out of their home, I realized that they did not have a family budget. They just have never done a budget and started to run into problems. We … (10 comments)
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mortgage planning: Tempe Mortgage Lender for The Small Business Professional - 11/01/07 11:12 AM
Are you a small business owner who is trying to grow your business? Is extra capital hard to come by? Well look no further, you have come to the right person to help you. I have over 14 years experience in the Real Estate and Mortgage Services Industry. Locating untapped resources within your organization can be the cornerstone toward obtaining life's financial and retirement goals. I help uncover these hidden resources, By restructuring mortgage loans and equity, I can help you fund additional projects and expand your business. I also assist in freeing up funds for long term investments and retirement goals.
I am … (0 comments)
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mortgage planning: Tempe Mortgage Lender for First Time Homebuyers - 10/31/07 01:24 AM
Are you looking to buy your first home, but do not understand the process? Are you needing funds for down payment assistance? Were you turned down by other lenders who do NOT specialize in these types of loan programs? Well look no further, you have come to the right person to help you. I have over 14 years experience in the Real Estate and Mortgage Services Industry. The purchase of your first home will be one of the largest investments you will ever make. You will need a plan and guidance along the course of that long term investment. I am the Trusted Advisor that … (0 comments)
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mortgage planning: Can I get 100% Financing if I am a First Time Home Buyer? - 10/29/07 11:06 AM
Lately I have been asked by a large group of people if I can get 100% financing for first time home buyers. There is been so many changes to mortgage guidelines lately that most of us get really confused on who we can really qualify for a home. So I will set the record straight by first stating that YES first time home buyers can get 100% financing, and attached below of some of the most popular financing products for this type of client.
I will rank this list based on what I feel are the best 100% financing programs:
FHA Loans with Down Payment Assistance: This … (4 comments)
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mortgage planning: How to Choose a Trustworthy Mortgage Lender? - 10/23/07 09:55 AM
Sometimes, I have to chuckle when I look and see how our society makes the decisions that we do. When we get sick, we go see a doctor who has spent a good portion of his life in school training for his career. When we need an attorney we seek out only the best and look for law firms with a great proven track record. If we are investing our money into the stock market, we seek out professionals or insiders who understand how to protect our money for our retirement. But, for some reason when we decide to spend hundreds … (8 comments)
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mortgage planning: Should I use the Home Builders Lender? - 10/19/07 06:05 PM
Homebuilders are offering so many incentives today, just to get your signature on the contract. They may throw in a free pool, incentives as high as $20,000.00 to $30,000.00 and no closing costs. Heck I heard one home builder advertising the other day on the radio, and they were giving away gifts worth about $100.00 just to come by and see their home models. Homebuilders are feeling the real estate crunch just like everyone else and they are playing the incentive game to sell homes, plain and simple.
Here is the catch, when you sign contract the builder usually will make it clear in writing … (44 comments)
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mortgage planning: Tempe, Arizona: Mortgage Lending Services for Unique People - 10/15/07 05:02 PM
Everytime I turn around the mainstream media is providing the consumer with another article on the mortgage crisis. There is not a day that goes by now that I know of someone who was a mortgage lender who recently has exited out of this business. They a making a mass exit because they state "the business is slow", or "its a bad market". My opinion is different. They are leaving because they did not provide their customers a unique experience and did not build a great relationship. My entire business has been built on providing unique services that not many other mortgage lenders … (2 comments)
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mortgage planning: An Update from Ameridream as a Viable Down Payment Assistance Program - 10/09/07 06:08 PM
I do not usually like to do like to continue a discussion from another post, but I have been getting so many calls myself about if Ameridream will be in existence at the end of the month, that I thought I would share what I have gathered from Ameridream themselves.
First of all, there has been some great posts that have already covered this topic, and I would not feel right talking further without referencing these other posts.
Jeff Belonger has a great post about this recent challenge: HUD / Down Payment Assistance programs -- DPA & Nehemiah -- Alive for a while.... … (4 comments)
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mortgage planning: Homebuilders and Abusive Practices - 10/04/07 10:48 PM
WARNING WHAT YOU ARE ABOUT TO HEAR IS THE TRUTH, AND SOME MAY NOT BE ABLE TO STOMACH THE TRUTH.
WELL, LET'S GET STARTED,
First of all, I want to be up-front with all agents out there. I personally do NOT care for homebuilders. I think the selling tactics that home builders use are as close to that of a used car salesman on a shady used car sales lot. Whenever I get the chance, I encourage all my clients to STAY CLEAR of all Homebuilders. However, some decide to dance with the Devil, and this post is to share another example of abusive homebuilder practices.
A … (67 comments)
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mortgage planning: Tempe, Arizona, Mortgage Planning for Real Estate Investors: - 10/04/07 11:01 AM
Are you looking to buy an investment property, but do not understand the lending process? Well look no further, you have come to the right person to help you. I have over 14 years experience in the Real Estate and Mortgage Services Industry. Mortgage planning requires highly specialized financial expertise. It demands hands-on experience throughout the enitre investment process. I understand the time, labor, and cost involved in completing investment projects. Whether it is the short term endeavor, equity/appreciation opportunity, or long term cash flow property, I have solutions for you. I offer discounted services based on volume purchases, and is dedicated to relationships that … (0 comments)
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mortgage planning: Tempe, Arizona, Mortgage Planning Services for The Small Business Professional: - 10/04/07 10:58 AM
Are you a small business owner who is trying to grow your business? Is extra capital hard to come by? Well look no further, you have come to the right person to help you. I have over 14 years experience in the Real Estate and Mortgage Services Industry. Locating untapped resources within your organization can be the cornerstone toward obtaining life's financial and retirement goals. I help uncover these hidden resources, By restructuring mortgage loans and equity, I can help you fund additional projects and expand your business. I also assist in freeing up funds for long term investments and retirement goals.
I am … (0 comments)
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mortgage planning: Don't get your Head Caught in the Sand - 09/27/07 12:06 PM
Reality is sometimes hard to deal with. I recently got back from vacation, and coming back to work has been really hard. Its hard to comeback after spending a week visiting places I may never see again. But I realized I cannot live on a cruise ship for the rest of my life, and that I had people I needed to help when I get back. So now I am back and wanted to get busy right away. What's funny about being gone, is how quickly life zooms right by you. Halloween is approaching and then follows the rest of the family … (4 comments)
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mortgage planning: Tempe, Arizona, Mortgage Planning Services for First Time Homebuyers: - 09/27/07 10:54 AM
Are you looking to buy your first home, but do not understand the process? Are you needing funds for down payment assistance? Were you turned down by other lenders who do NOT specialize in these types of loan programs? Well look no further, you have come to the right person to help you. I have over 14 years experience in the Real Estate and Mortgage Services Industry. The purchase of your first home will be one of the largest investments you will ever make. You will need a plan and guidance along the course of that long term investment. I am the Trusted Advisor that … (0 comments)
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mortgage planning: Credit repair might be required to refinance your adjustable rate mortgage - 09/09/07 04:06 AM
Recently, I have been calling my clients that are in adjustable rate mortgages(ARM)s about refinancing their mortgage loan before the rate adjusts on them. Most ARM's have a certain amount of time that the interest rate is fixed. Most are fixed for 2,3,5 or 7 years. After this period of time is up, the loan then converts to an adjustable rate that is tied to both an index and a margin. The index is rating system based on short term borrowing. The 2 most common indexes is the 1 year Libor and 1 year MTA. The margin is the profit point that the lender charges … (6 comments)
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mortgage planning: Tempe, Arizona, Mortgage Planning Services for The Small Business Professional: - 09/07/07 12:01 PM
Are you a small business owner who is trying to grow your business? Is extra capital hard to come by? Well look no further, you have come to the right person to help you. I have over 14 years experience in the Real Estate and Mortgage Services Industry. Locating untapped resources within your organization can be the cornerstone toward obtaining life's financial and retirement goals. I help uncover these hidden resources, By restructuring mortgage loans and equity, I can help you fund additional projects and expand your business. I also assist in freeing up funds for long term investments and retirement goals.
I am … (0 comments)
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mortgage planning: Tempe, Arizona, Mortgage Planning for Real Estate Investors: - 09/07/07 11:50 AM
Are you looking to buy an investment property, but do not understand the lending process? Well look no further, you have come to the right person to help you. I have over 14 years experience in the Real Estate and Mortgage Services Industry. Mortgage planning requires highly specialized financial expertise. It demands hands-on experience throughout the enitre investment process. I understand the time, labor, and cost involved in completing investment projects. Whether it is the short term endeavor, equity/appreciation opportunity, or long term cash flow property, I have solutions for you. I offer discounted services based on volume purchases, and is dedicated to relationships that … (0 comments)
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mortgage planning: Tempe, Arizona "The Best City in the Valley of the Sun" - 09/04/07 01:36 AM
WARNING WHAT YOU ARE ABOUT TO READ WILL BE BIASED BASED UPON THE AUTHORS OWN OPINION OF LIVING IN THE PHOENIX REGION FOR OVER 24 YEARS. THANK YOU!!
Tempe, Arizona "The Best City in the Valley of the Sun"
http://www.tempe.gov/
Let me first start by giving you my background. Like most Zonies (short for Arizona citizens) I was transplanted from another part of the country. My family decided to move to the Phoenix Market 24 years ago from a suburb of Milwaukee Wisconsin. Most transplants who can survive 2 summers in a row, are given the honored status of Native, even though you came from another part of the … (1 comments)
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mortgage planning: The Underdog Story of the Century - 09/03/07 01:12 PM
I think we all Love to cheer for the underdog. Its the biblical story of David and Goliath.
One small person against a giant. Its the day to day trials we go through to overcome huge obstacles.
This story was retold again this weekend when Appalachian State defeated #5 ranked Michigan in what will be considered the "The Biggest College Football Upset in History". Appalachian State won the game in Ann Arbor in front of a Michigan Wolverine crowd of over 100,000 fans. The final score being 34-32 Appalachian State. Here was a team that was less talented and yet found a way to win.
… (15 comments)
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mortgage planning: Tempe, Arizona, Mortgage Planning Services for First Time Homebuyers: - 08/31/07 12:27 AM
Are you looking to buy your first home, but do not understand the process? Are you needing funds for down payment assistance? Were you turned down by other lenders who do NOT specialize in these types of loan programs? Well look no further, you have come to the right person to help you. I have over 14 years experience in the Real Estate and Mortgage Services Industry. The purchase of your first home will be one of the largest investments you will ever make. You will need a plan and guidance along the course of that long term investment. I am the Trusted Advisor that … (2 comments)
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mortgage planning: Crazy Fish & 202, Tempe, Arizona restaurant review - 08/29/07 11:25 PM
I have noticed that Sushi places have become the new thing here in the Valley of the Sun. Everytime I turn around I see more sushi restaurants coming and going.
If anyone knows me, then you know I have a reputation of being a food junkie. I probably go out for dinner at least 2 to 3 times a week, and I love trying new places. I guess I am trying to say that I am a good source to be upfront and honest if a restaurant is good or not.
My first encounter with Crazy Fish & 202 was tonight. … (0 comments)
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Gary Miljour - Mortgage Lending for Arizona and California
Tempe,
AZ
More about me…
My City Lender Home Loans
Address: 2350 E. Germann Road Suite 34, (Corporate Office) , Chandler, AZ, 85286
Office Phone: (480) 945-4545 x corp
Cell Phone: (480) 251-0002
Email Me
Arizona BK-0920007
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