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justin messer: Active Rain Confirmed Loan Officer - Justin Messer - 02/10/10 02:05 PM
Active Rain Confirmed Loan Officers provide the skills neccessary to help all real estate professionals the ability to create a massive web presence.  I can show you how to properly write your blogs and websites, how to structure them, and how to get consumers searching Google to find them.  SEO seems like a really confusing term.  Once we teach you the basics behind SEO, you will be able to use these skills and improve upon them in no time.  These skills will absolutely help your business today, but will most certainly help your business in the future.
Contact me, Justin Messer, … (0 comments)

justin messer: Activerain Confirmed Loan Officers - 02/10/10 01:29 PM
 
Active Rain Confirmed Loan Officers provide the skills neccessary to help all real estate professionals the ability to create a massive web presence.  We can show you how to properly write your blogs and websites, how to structure them, and how to get consumers searching Google to find them.  SEO seems like a really confusing term.  Once we teach you the basics behind SEO, you will be able to use these skills and improve upon them in no time.  These skills will absolutely help your business today, but will most certainly help your business in the future.
Contact one of … (1 comments)

justin messer: History proves that low interest rates will not last forever! - 04/28/09 03:04 PM
Mortgage rates over the past year have been very volatile yet very low!  Each month, we seem to hit an all-time new low.  One year ago, mortgage rates for the 30 year fixed rate was at 5%.  As soon as this rate came out, there was an unbelievable rush to get closed or refinanced as soon as possible. 
Today, the new lows are in the low to mid 4's.  Now, borrowers think 5% is WAY TOO HIGH and believe they should wait for lower rates.  Typically, when new lows are reached, the market almost immediately pulls back to higher levels.  As … (0 comments)

justin messer: USDA "Officially" increases income limits for purchase and refinance loans! - 04/19/09 10:44 PM
Tomorrow, April 20th, is the day that the U.S Department of Agriculture increases its maximum income requirements to qualify for Rural Development Guaranteed home loan program.  This increase is long over due.  Technically, USDA is at least a month late in the increase. 
The new income limit will allow so many for buyers of primary residences the ability to qualify for a USDA insured home loan.  Currently, the income requirements are structured on a "per member" household.  Tomorrow, Monday, April 20th, the income limits will be transformed into a two-tier system.
For borrowers that are looking to purchase a primary residence, … (1 comments)

justin messer: Obama's NEW Refinance Program for Depreciated Homes!!! - 04/17/09 03:28 PM
Many of Obama's housing refinance plans are still being worked on and might possibly fail to happen.  However, one program just became available to current home owners who have had trouble refinancing their current primary residence or second home due to market depreciation.  Many refinance transactions are turned down due to high LTV's (Loan to Value).  Any 95% or higher is unacceptable.  Anything greater than 80% to 95% requires mortgage insurance.  NOT ANY MORE WITH THIS PROGRAM!
WHO IS ELIGIBLE?
Borrowers who are CURRENT on their mortgage payments and are having trouble refinancing because market depreciation has increased their loan-to-value which has made them … (0 comments)

justin messer: Realtors can show buyers how to build great wealth with zero money down! - 01/13/09 03:43 PM
Obviously, the real estate market has many great deals.  For those that have the money, there are so many opportunities.  So, are the wealthy the only ones that can afford to take advantage of all the fantastic deals out there. NO!  Typically, for an investor to purchase a property at a foreclosure sale, or at the court house steps, they must have cash on hand to purchase the foreclosed property.  Or, if an investor plans to purchase a home to flip or to create cash-flow as a rental, then they typically need 20-25% down to get a loan.  For the general … (0 comments)

justin messer: Here is a great way to fix the real estate industry!!! - 12/16/08 07:42 PM
Exactly a week ago, I read an article USA Today posted by the concerned citizen Dennis F. Paulaha.  He makes one of the greatest points and offered an incredible solution to halt our downward spiraling economy. 
His idea states that the US government offer every US citizen a 30-year fixed rate mortgage of 1.5%.  All financially qualified (new standards) citizens could have the ability to finance a current or new mortgage at this low interest rate.  Currently, the government is lending billions of dollars to firm across the country at low interest rates.  Why not lend it to the people.
Paulaha believes … (0 comments)

justin messer: Mortgage Rates hit the best levels of the year! - 12/10/08 03:01 PM
Today, the mortgage market has done nothing but improve.  Currently, our rates are hovering around 4.875%. 
FHA - 5%
USDA - 5.375%
Conventional - 4.875%
 
… (3 comments)

 


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