locking: What did today's rate cut mean?? - 01/22/08 01:12 PM
Today's prime rate cut of .75% means that mortgage rates are going to continue to drop even lower,.. Right?  Not Necessarily!!! 
As much as I hope that rates continue to drop for homeowners, this rate cut does not mean that the 30 year rates will go down immediately.  Rates have actually … (1 comments)

locking: The Next Refinance Boom is Here - 01/18/08 04:33 PM
There is so much more to lending then the rate - but I feel this is important so people can see how far rates have dropped in the last 3 weeks!
THE GOOD NEWS ABOUT RATES!!
Despite all of the recent well reported real estate related woes, I have great news for everybody.  … (0 comments)

locking: What is a rate Lock? - 12/27/07 07:48 PM
What does it mean when a lender "Locks your Loan". 
A common misconception people have of the locking process goes something like this,... The lender/broker asks you if you want to lock in the rate at 6% for 30 days.  You agree, and then the broker calls the bank and tells … (0 comments)

locking: What can I expect during the Refinance Procedure? - 12/14/07 03:09 PM
What can I expect during the refinance procedure?
The Details
Something that is often overlooked within the home loan industry is the education of the client in the steps of doing business together.  As the borrower, you should want know what the process is, and what to expect from your loan officer.  This … (2 comments)

locking: What can I expect during the Refinance process? - 12/14/07 02:07 PM
What can I expect during the refinance process?
Summary
In an effort to educate future clients, this is a basic account of the events that take place during a refinance transaction with me.  A typical refinance will take about 3 to 4 weeks to complete.
First Contact - In the first contact we … (0 comments)

 
Loan Officer: Jim Cunningham (Community First Financial)
Jim Cunningham
Phoenix, AZ
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Community First Financial

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