Joe Gonzalez - FHA & 1st Time Homebuyer for King of Prussia, Plymouth Meeting & surrounding areas

4 Bedroom Home for Sale in Newtown Square, PA

Joe Gonzalez - Meridian Bank — Tue, 06 Mar 2012 08:38:04 -0800

4 Bedroom Home for Sale in Newtown Square, PA

402 HEMPSTEAD CIR
NEWTOWN SQUARE, PA 19073
Luxurious Colonial Contemporary-NEWTOWN SQUARE, PA

Betsy Bird Campbell

Mobile:

610-659-1576

Price	:	$745,000
Bedrooms	:	4
Bathrooms	:	5
Square Foot	:	4,241
Lot Size	:	35,283
County	:	DELAWARE
Property Type	:	Detached
Year Built	:	2010
MLS Number	:	5973194

click for more information and pictures

Property Description

Like New! Spacious Stone Stucco Colonial that sits high on a hill at the end of a cul-de-sac street. Over 4000 sq. ft. Amenities include gourmet Kitchen with Bosch gas cooktop and granite counters, cork flooring. Beautiful hard wood floors. 2-zoned propane heat, 2 gas fireplaces and 10 ft ceilings. Other amenities include Jacuzzi, large shower, two vanities in master bath and pex lines for plumbing. Each Bedroom has access to its own bath. Daylight basement, ready for finishing. Oversize 2 car garage.

Features List

4 Bedrooms	3 Full Baths	2 Partial Baths
Contemporary	Central Heating/Air	2 Car Garage
2 Gas Fireplaces	Stone Colonial	Island In KItchen
Granite Countertops	Bosch Gas Cooktop	Cork Flooring
Hardwood Floors	Jacuzzi	Master Suite
Master Bath	Pex Line Plumbing	Daylight Basement
Large Shower	2 Zone Propane Heat	10ft Ceilings

Equal Housing Opportunity.

Coldwell Banker Preferred :

Sincerely,

Joe Gonzalez
Senior Loan Consultant
Meridian Bank - NMLS #126036
920 Germantown Pike, Suite 102 | Plymouth Meeting, PA 19462 | t: 610.739.6563 | f: 610.351.7810 |www.JoeGonzalez.net

Charming Bungalow for Sale in Eastport near Horn Point - Annapolis MD

Joe Gonzalez - Meridian Bank — Tue, 13 Dec 2011 12:09:50 -0800

Charming Bungalow for Sale in Eastport near Horn Point - Annapolis MD

1 CHESTER AVENUE
ANNAPOLIS, MD 21403
Charming Horn Point Bungalow- ANNAPOLIS, MD

Sue Gergar

Phone:	410-320-5227
Office:	410-268-8696
Website:	Visit Website

Price	:	$699,900
Bedrooms	:	2
Bathrooms	:	2
Lot Size	:	9,985
County	:	ANNE ARUNDEL
Property Type	:	Detached
Year Built	:	1957
MLS Number	:	AA7690816

click for more information and pictures

Property Description

Highly desirable Horn Point vicinity in fabulous Eastport. Huge yard with water access right down the street. This great house features the charm of yesteryear along with the benefit of a complete remodel and expansion only a short while ago. The lucky buyer of this home will love the open spaces, the screened porch overlooking the spacious private yard and gorgeous landscaping. A must see!

Equal Housing Opportunity.

The Curtis Real Estate Company : 41 Randall Street - Annapolis MD 21401 : 410-320-5227

Charming Bungalow for Sale in Eastport near Horn Point - Annapolis MD

Sincerely,

Joe Gonzalez
Senior Loan Consultant
Meridian Bank - NMLS #126036
920 Germantown Pike, Suite 102 | Plymouth Meeting, PA 19462 | t: 610.739.6563 | f: 610.351.7810 |www.JoeGonzalez.net

3 bedroom 2 bathroom home for sale Annapolis, MD

Joe Gonzalez - Meridian Bank — Tue, 13 Dec 2011 10:13:47 -0800

3 bedroom 2 bathroom home for sale Annapolis, MD Maryland

1225 HAMPTON ROAD
ANNAPOLIS, MD 21409
3 Bed 2 Bath Split Level Home - ANNAPOLIS, MD

Sue Gergar

Phone:	410-320-5227
Office:	410-268-8696
Website:	Visit Website

Price	:	$267,000
Bedrooms	:	3
Bathrooms	:	2
Lot Size	:	9,629
County	:	ANNE ARUNDEL
Property Type	:	Detached
Year Built	:	1974
MLS Number	:	AA7710654

click for more information and pictures

Property Description

Annapolis. Broadneck! $7k seller credit. Move-in condition. New carpet paint. Huge fenced yard w/beautiful trees providing great views, shade privacy. Enormous deck and patio for entertaining. Great living, family room, garage and fireplace. Highly desirable community amenities include sandy beach overlooking the Bay, 3 marinas and numerous parks. Futon, single or bunk bed in lower level?

Features List

3 bedroom	2 bath	Split Level
New Carpet	Freshly Painted	Huge fenced yard
Beautiful Trees	Enormous Deck	Fireplace
Close to beach	Close to 3 marinas	Much more!!

Equal Housing Opportunity.

The Curtis Real Estate Company : 41 Randall Street - Annapolis MD 21401 : 410-320-5227

3 bedroom 2 bathroom home for sale Annapolis, MD Maryland

Sincerely,

Joe Gonzalez
Senior Loan Consultant
Meridian Bank - NMLS #126036
920 Germantown Pike, Suite 102 | Plymouth Meeting, PA 19462 | t: 610.739.6563 | f: 610.351.7810 |www.JoeGonzalez.net

Real Estate SEO isn’t magic, but thankfully it’s not rocket science either... Part 2

Joe Gonzalez - Meridian Bank — Thu, 08 Dec 2011 12:09:09 -0800

Real Estate SEO isn’t magic, but thankfully it’s not rocket science either, its a simple business plan with a simple purpose.

Step 1: How To Develop a Solid SEO Strategy

Thankfully, human sacrifice is not yet a requirement to improve your search engine ranking. Although, if Google ever changes its criteria it is best to think about who is on the bottom of the totem pole. Refreshingly, SEO strategy starts with a very easy and basic concept, keywords.

You begin with a little brainstorming. If you work alone, you may want to enlist the aid of a friend or friends. They don’t have to be Realtors, just people who have had experience buying a home and are internet savvy. Your “Brainstorming Meeting” has one purpose: Gather ideas to create content and research keywords.

To get started you will need the following tools: A. your brain and that of your team or friends that you enlist; B. Google Keyword Tool (which implies that you need a computer/s); C.Blogging ideas for 3 months.

Regarding Tool C. Blogging Ideas, it is important to remember that this can be almost anything. It could be questions that people commonly ask you when they are looking for a home, questions that sellers commonly ask, new developments in Real Estate policy in your area, etc. Just think about content that is relevant to your community of buyers and sellers.

The Meeting Outline (about 1 hour maybe more):

Idea Gathering (20 minutes) – You may order the material however you wish. One suggestion may be to order the ideas according to relevance to your community. Since you are building a 3 month plan, and you want to produce at least 1 good post each week (you could post more often if you can schedule the time, however, it is best to make your initial goals realistic and reachable. You can track results easier and gauge your success in visible increments that will help you stay positive) you will need about 12 good ideas. If you have more, great! Keep them coming, because this is just a plan to get you started, you will need those ideas later.
Keyword Research (20 minutes) –Next to each idea write keywords that belong to that topic. Write as many as you can think of. Once you have finished construct a search string for each idea that your team agrees is realistic (ex.: Home For Sale in Community X). Now comes the part where you collect some data to help you in your execution of these ideas. For this part you will use Google Keyword Tool. There are other tools that you could use, but this one is free and its results are easier to explain. [Click on the picture to see a screenshot with brief explanation]
Compilation and Planning (20 minutes) – Use the data that you gather from Google to construct a blog title for each idea on your list that uses rich keywords, but also reads like an attractive sentence. An example is the title for this article. It has the keywords I want, Real Estate SEO, and it also sounds interesting (at least… I hope it does). Once you have finished, reward each of your friends with a gift card to Starbucks (no greater gift on the planet), and then assign on your calendar a blog title to each week for the next 3 months. Now you are ready to start writing!! Yahoo! (shameful keyword pun – am I trying to hard?)

Step 2: Best SEO Practices

There are many people who have written a great deal about Best SEO Practices, but in my opinion the one person who has nailed down the basic ideas best is Stephen Graham. He is a professional blog trainer and writer and he has written a simple, easy to follow list of things you need to consider each time you blog. The article is called: 4 Steps to Follow for Easy SEOand I highly recommend that you read it before you begin writing. You will notice a very basic principle that guides the logic of what he has written, it is one of the greatest principles by which we can live: Keep It Simple Stupid. I am not calling “you” stupid (it’s more something we need to say to ourselves, but take it easy, I don’t want to you to damage your self esteem), but it is a phrase that we all need to remember when writing. When your content is simple, the search engines will love it and so will your readers. It’s a win-win formula.

Step 3: Staying Current & Competitive

The easiest part is behind you, now comes the hard part… be consistent. 20th century British author Aldous Huxley once wrote: “Consistency is contrary to nature, contrary to life. The only completely consistent people are dead.” He comments on a harsh, but very true reality, that it is difficult for any of us to be consistent. That said, what you are striving for is clearly not perfection (unless the idea of an early grave is attractive to you, in which case there is a very different article I recommend reading…). Just do your best to stay organized and execute the strategy that you have now created. No, it won’t be easy. It may require the help of someone else to remind you. Be it by means of your smart phone, your spouse or a co-worker set up daily and weekly reminders to stay on track with your schedule. Do research online and locally before you write to make sure that the information that you are presenting is still up-to-date.

One way to stay current and competitive is to invest your time in ongoing education and training. The more knowledge you possess of your industry and it needs, the natural byproduct you will produce is relevant and intelligent content that is usable and valuable to your readers. If you are interested in what programs might be useful, please feel free to contact me. I could give you a list, but honestly then you would know everything I know. How embarrassing that would be… to have all of the knowledge I possess summed up in just 2 blog articles! No thanks, I will save something for future conversation. May you have success with all your SEO endeavors!

If you have any questions or comments my preferred contact information is listed below.

Michael Hillanbrand
Joe Gonzalez Team

Marketing & Technology
office – 210-888-9210
mike.techexpert@gmail.com

Sincerely,

Joe Gonzalez
Senior Loan Consultant
Meridian Bank - NMLS #126036
920 Germantown Pike, Suite 102 | Plymouth Meeting, PA 19462 | t: 610.739.6563 | f: 610.351.7810 |www.JoeGonzalez.net

Real Estate SEO isn't magic, but thankfully it's not rocket science either... - Part 1

Joe Gonzalez - Meridian Bank — Thu, 17 Nov 2011 10:50:09 -0800

Real Estate SEO isn't magic, but thankfully it's not rocket science either, nevertheless, it does involve hard work.
There has been so much talk about Search Engine Optimization(SEO), especially amongst bloggers and business professionals. So much so, that the term SEO is now a household name. Sadly, like many things that grow in popularity quickly, misinformation spreads with it. In fact, most people probably forget that it is an acronym. They talk about it as if it is an object or something that you can buy at a store. Some people have and continue to exploit such ignorance by selling it online as a product or an application.

They portray the illusion that, like the "magic beans" from Jack and the Beanstalk, your listing will climb to the top of the search engines overnight! Naturally, they charge an exorbitant fee for this form of SEO which generally consists of using paid advertising and over-aggressive measures that reap immediate results, but often see only short term gains. Sometimes these methods yield results, driving traffic to your blog and getting you higher on the search engines like Google, Yahoo and Bing. However, they could also result in your site being penalized (see Dilbert comic strip for example).

Even the better services, people who actually do the real work of analyzing and augmenting your blog to conform to current standards, still come with a price tag, and it is still temporary. That's right! Temporary. Why?

Google, Yahoo and Bing are constantly changing their algorithms to improve the end-user experience. The criteria that is considered can be very different depending on the search term itself or even the location from which the search is initiated.

For example:

The criteria considered to render search results for the search string "Condo for Sale" when initiated from McDowell County, West Virginia will be very different from the results for the same search term in Miami, Florida. In West Virgina this very general term may render very usable results to a consumer, whereas in Miami, where the market is more competitive and Condos are more abundant, more specific terms may be necessary for the consumer to find what they are looking for. At times, the search habits of that particular consumer can even affect the results that they see on the screen as opposed to what someone in the same geographic area sees.

Why is this important to know? Because the search engines are designed to help the consumer, not the seller. Google and the other major search engines are thinking about ease-of-use for the average person searching for products, information, etc. It is our responsibility to ensure that our blog, websites and listings are also search-friendly. In other words, that means that you also need to think like your consumer. Is this beginning to sound pretty much like basic marketing principles? That's because it is.

Your Knowledge - Your SEO

The same basic marketing principles that have been needed to sell products for centuries are still necessary today. There are still no real short cuts. You may be thinking, "I thought this was about SEO, not marketing." Well, effective SEO has everything to do with marketing.

The key to appreciating this is in understanding that the "O" in SEO stands for "Optimization". Optimization is defined as an act, process or methodology of making something as fully perfect, funtional, or effective as possible. In this context, optimization is applied to make your content more funtional with the search engines. However, in order to do that you have to know what the consumer is looking for, what they are likely to type into the search bar.

Do you really think that some SEO application or hired SEO expert knows your consumers needs better than you do? I sincerely hope that the answer to that question is "No." YOU are the one who knows best! The knowledge needed to make your content accesible and popular on the search engines is already in your hands! You simply need to develop a strategy appropiate to the task, and remain vigilant in following through with executing that strategy. Only a very small part of this is process is "techy", so don't let it intimidate you. You can do it, and in Part 2 of this article I will explain how.

Michael Hillanbrand
Joe Gonzalez Team
Marketing & Technology
office - 210-888-9210
mike.techexpert@gmail.com

Part 2 of this article will include: A. How to develop a Solid SEO Strategy B. Best SEO Pratices and C. Staying Current & Competitive

Sincerely,

Joe Gonzalez
Senior Loan Consultant
Meridian Bank - NMLS #126036
920 Germantown Pike, Suite 102 | Plymouth Meeting, PA 19462 | t: 610.739.6563 | f: 610.351.7810 |www.JoeGonzalez.net

My 28 Year & Counting Family Tradition - Salmon Fishing

Joe Gonzalez - Meridian Bank — Wed, 02 Nov 2011 07:45:58 -0700

My 28 Year & Counting Family Tradition - Salmon Fishing

The year was 1983 & I was 8 years old. My father decided he was taking me to Pulaski, NY to go Salmon Fishing. Twenty eight years later, we haven’t missed a year. If you’re looking for a manly man’s fishing trip that’s not too far off, this is a great place to start.

WARNING:

1. These fish are strong! I DO NOT recommend this for a beginner’s trip.
2. River currents can be strong, the water deep & rocks slippery. Don’t be a “bruto” – Spanish word for a moron who doesn’t use common sense.
3. Plan your trip in advance. Salmon season is short (mid/late September through October) & it can be challenging to find lodging.
4. Purchase your gear in advance. Equipment can be is expensive once you’re there. See the bottom of the page for links to stores (Click here to see what I use).
5. See #2 again & take me seriously. For all you “brutos” out there, you’ve been warned & you will get hurt if you’re careless.

Now for the fun…….

We left King of Prussia at 4 AM (they had to convince me) & 2 pit stops later we’re eating breakfast at Mapleview Family Restaurant in Parish, NY. It’s a long trip so it’s good to know a few good restaurants along the way. If you’re hungry try the “Big Rig” or “Breakfast Blizzard”. (Click here for direction to all stops). Don’t forget to enjoy the foliage on the way up!

With renewed energy we went to see where it all begins at the Salmon River Fish Hatchery. It’s educational & suited for all ages. So don’t be a heathen, take a minute & learn something. Your wife will be proud. Best of all, you’ll see a ton of king salmon (Chinook) & silver salmon (Coho). After seeing all those fish, we were fired up & ready to go!

A few miles off we started fishing at the Orwell Brook. The Orwell is a small stream with deep pools & little to no crowds. Now keep in mind much of the surrounding land is private & you may need to pay to cross their land. Once there, we found the salmon! I decided I was going to play cameraman & angler at the same time. Sorry for the bumpy video but it gives you a good idea of how these fish fight.

After catching our limit (3 per day), we loaded up our fish & made a quick stop at Fat Nancy’s Tackle & Fly Shop (side note, dragging 60 to 70 lbs worth of fish for ½ to 1 mile uphill is NOT easy. Bring your inhaler cupcake). If you forget anything these guys have it all, but expect to pay a premium. Here you can find a guide, lodging, equipment, etc. In case you’re wondering, Fat Nancy is a fish not an obese older woman who owns a tackle shop. Sorry to disappoint you.

By 5 pm we’re beat so we head off to check into our cabin at Catfish Creek Campground. If you get a cabin, it’s great. The trailers, not so much BUT, they are cheaper. I prefer to spend a few bucks more for the cabin. We chose CCC because it’s close to a number of fishing holes, the owners are friendly & the salmon/steelhead fishing is outside your doorstep.

The next few days we drove between fishing holes, caught a ton of fish, shared fish stories & created memories that will last a lifetime. Salmon fishing is the guy’s guy ultimate bonding trip. I have to say thanks to my dad for making the decision 28 years ago to take me fishing.

One thing is for sure, if you go, you won’t regret it. Take your kid too. He’ll love you for it. I know I did. Feel free to shoot me an email for additional tips on where to go & what to do while you’re there.

What I use: Links for equipment:

Orvis Chest Waders – Light weight, breathable, comfortable. If you plan on using your waders hard, spend the few extra bucks. If not get a pair from Cabela’s bargain bin.
Cabela’s Ultralight 2 Lug Wading Boots – I walk (sometimes even run chasing fish) with these which is hard to do with heavy boots. Make sure you use the metal studs as the rocks are VERY slippery. You can also just buy corkers (spiked shoe that attaches to boot). Don’t go with just rubber boots unless you like to swim in cold water.
Shimano Stradic CI4 fishing reel – Super light weight which makes it easier on an old injury to my shoulder
Trekker Water Bottle Fanny Pack – I like a fanny pack because it’s small & you have everything you need around your waist. You can also pick one up at Walmart.
Rapala Stainless Steel Fishing Pliers – These are a must. You can cut line, remove hooks, clamp down split shots, etc with these. I clip mine to my belt & have a cord tied to one end in case I drop them. Regular pliers will work too but I use mine for several kinds of fishing.
Costa Del Mar Polarized Fishing Glasses – I like my Costa’s which are lifetime guarantee. If you’re just starting get some a cheap $20 pair. Serious fishermen will drop about $150 to $200 on these.
Utility box – Buy 1 small one for your gear. You’ll only need hooks/flies, split shots (weights) & plastic eggs or sponges.
Crazy eggs or wally wogs – get a few packs as you will lose quite a few
Owner hooks – these hooks are sharp! The sharper the hook, the less fish you’ll lose.
Tin split shots – again buy a few bags of these as you will lose them & they’re cheap.
Salmon fishing rod – personal preference here – I like a 8’6” to 9” medium action rod.

Sincerely,

Joe Gonzalez
Senior Loan Consultant
Meridian Bank - NMLS #126036
920 Germantown Pike, Suite 102 | Plymouth Meeting, PA 19462 | t: 610.739.6563 | f: 610.351.7810 |www.JoeGonzalez.net

Why Rent? Fixed FHA Mortgages at only 3.75% (5.092 APR)! King of Prussia, Plymouth Meeting, Phoenixville

Joe Gonzalez - Meridian Bank — Mon, 31 Oct 2011 10:33:44 -0700

Why Rent? Fixed FHA Mortgages at only 3.75% (5.092 APR)! King of Prussia, Plymouth Meeting, Phoenixville

Why haven’t you bought a home yet? Is a 20% down payment keeping you from buying a home? Have you rented for a long time & just aren’t sure? Are you a long time renter in the market to buy? Living in the King of Prussia, Plymouth Meeting, Phoenixville or the surrounding areas? Well stop renting already! FHA could be the answer you’re looking for.

Okay let’s use some real world #’s to help you appreciate what FHA can do for you.

How much are you borrowing

In this example the client (you) are buying a home using FHA (Line A). Current rates are around 3.75%/5.092% APR (B) for a 30 year fixed (C). The purchase price is $200,000 (D) & you will put down FHA’s minimum down of 3.5%. Your base mortgage will be for $193,000 (E) & your total mortgage $194,930 (F) due to the Upfront Mortgage Insurance required by FHA (email if you want more info on mortgage insurance).

Your monthly payments

Your principal & interest payment will be $902.75 (G), property taxes guestimate $250 (H), monthly mortgage insurance $184.96 (I), homeowner’s insurance guestimate $50 per month (J) for a grand total of $1,387.71 total monthly payment (K).

Total cash needed at closing

Your down payment is 3.5% (L) of $200,000 (D) which is $7,000. The closing costs are $5046.25 (M), the escrows/prepaids $4,000.41 (N) & Upfront Mortgage Insurance $1,930.00 (O). Your total costs are $9046.25 for closings costs (M) & escrows/prepaids (N). The seller* can pay for the closing costs which is $9,000 (P). Remember that in line F we are lending you the money for the upfront mortgage insurance (O).

Bottom line out of pocket = $7,046.66

Now I’m sure I lost a few of you somewhere in the translation so click below for a video explanation. If you have any other questions give me a call or send me an email!

Click HERE for video

*You can negotiate at the time of your offer for the seller to pay for your closing costs. Please consult me PRIOR to signing a contract!!

Why Rent? Fixed FHA Mortgages at only 3.75% (5.092 APR)! King of Prussia, Plymouth Meeting, Phoenixville

Sincerely,

Joe Gonzalez
Senior Loan Consultant
Meridian Bank - NMLS #126036
920 Germantown Pike, Suite 102 | Plymouth Meeting, PA 19462 | t: 610.739.6563 | f: 610.351.7810 |www.JoeGonzalez.net

USDA Updates – They now charge for the awesomeness!

Joe Gonzalez - Meridian Bank — Mon, 24 Oct 2011 15:44:39 -0700

USDA Updates – They now charge for the awesomeness!

In my last post I gave a few tidbits about USDA (Click here if you missed it - Kick butt 100% financing that you’ll probably qualify for). WOW, I didn’t realize so many people would respond. Good Great stuff guys. So here are a few updates….

October 1, 2011 USDA Rural Housing Loan Changes:

USDA Rural Housing has been taxpayer-subsidized for years. Long gone are those days. The USDA Rural Housing Program will no longer be dependent on tax payer money (wish we could say the same about the big banks! Can I get an AMEN!!) To stay in business, they started charging for the awesomeness of the program (as if you didn’t know that was coming). They not only charge mortgage insurance upfront now, but monthly as well for the life of the loan. (insert Homer Simpson like “DOH!” right here) Relax Homie, the upfront has gone down & the monthly isn’t bad.

USDA Rural Housing mortgage insurance rates are:

For purchases, 2.00% upfront fee paid at closing, based on the loan size - down 1% from 3% total
For refinances, 1.00% upfront fee paid at closing, based on the loan size - no change
For all loans, 0.30% annual fee, based on the remaining principal balance - this sucks but just think – FHA is 1.15%!

Real life numbers for USDA Rural Housing:t Name

Okay so paying mortgage insurance for the life of the loan isn’t cool but before you get your panties in a bunch, let’s bring it back into perspective:

FHA charges 1.15%, which would be $184 per month (you may insert Homer-like “DOH!” again)
100% financing – this alone is worth it
The rates currently are in the high 3% to low 4% range
It’s 100% financing (yes I said this twice)
It’s now only 2% not 3% upfront so it takes a little of the bite out of it
You don’t need a 660 credit score
Did I mention it’s 100% financing?

For my local clients, check out just a few of the areas that the USDA Rural Housing Programs are available in:
Collegeville, Royersford, Evansburg, Trappe, Limerick, Schwenksville, Skippack, Oaks, Kimberton, Chester Springs, West Pikeland, Mont Clare, Birchrunville, Spring City ALL QUALIFY!!! (Insert Homer-like WOO HOO!!!)

So what’s your next step you say? (get ready for a shameless plug for the Joe Gonzalez Team at Meridian Bank)

I’m so glad you asked! Give Joe Gonzalez from Meridian Bank a call. I’ll be happy to help you with your financing needs! :-) I hope you enjoyed the info!

Sincerely,

Joe Gonzalez
Senior Loan Consultant
Meridian Bank - NMLS #126036
920 Germantown Pike, Suite 102 | Plymouth Meeting, PA 19462 | t: 610.739.6563 | f: 610.351.7810 |www.JoeGonzalez.net

USDA Rural Housing – kick butt 100% financing that you’ll probably qualify for!

Joe Gonzalez - Meridian Bank — Fri, 21 Oct 2011 15:56:14 -0700

So you’re looking to buy a home, you don’t have a lot of cash to work with & want a low payment. Looks like you better go to Craigslist & see the rental section right?

Not so fast young grasshopper (who doesn’t love David Carradine). Enter USDA Rural Housing..…

Q: What is USDA Rural Housing?
A: USDA Rural Housing Loans also called a Rural Development Loan, is a government insured home loan offering 100% financing to qualified buyers, allows for all closing costs to be paid for by the seller or financed into the loan (& the crowd goes wild!!). They offer some of the lowest rates of any loan at a fixed interest rate.

Q: What are the requirements for USDA Rural Housing?
A: 3 parts to this answer.

1. Credit Worthiness: Your thinking, “Ok, I knew there’s a catch!” Relax Danielson. When your credit is reviewed for a USDA Loan the underwriter will be looking for a history of paying your bills on time. Slow pays & credit blemishes may be overlooked if you have established your credit over the past 12 months. A good credit explanation letter goes a long way. If you say “I didn’t pay because I really needed that new Trans Am to pick up a hot chick” well that’s not going to win you any brownie points. “I didn’t pay because I lost my job/got the bubonic plague/had 8 kids like octomom HOWEVER now I’m back to work & everything is hunky dory! Just check X references!” That will generally go much further….unless you still have bubonic plague. If you have open judgments or collections the UW will most likely ask that they be paid in full before you close.

2. Income: You will need to be able to document your income on a USDA Rural Housing Loan. USDA will generally want to see a two year history of employment or consistent income. “I’m a pizza guy, waiter, Columbian drug lord & can’t verify/get paid under the table” isn’t going to fly. There are exceptions on the two year requirement can be made for applicants such as students. On a USDA Loan Assets are not required for approval, but can help overcome any possible blemishes on credit. Keep in mind you MUST be within the maximum income limits. Click HERE for the USDA Rural Housing Income Eligibility.

3. Where you live: In order to qualify for a USDA Rural Housing Loan your home must be in designated USDA rural area. You can check the USDA eligibility of your county. It might will surprise you how many areas qualify! Scroll to the bottom to see some of the areas. I think you’ll be pleasantly surprised!

Q: Is the USDA loan program limited to first-time buyers?
A: No, the USDA Rural Housing Program can be used by first-time buyers and repeat buyers.

Q: What mortgage products are available with a USDA mortgage?
A: The USDA / Rural Housing Program offers 30-year fixed rate mortgages only. There is no 15-year fixed rate mortgage. There are no adjustable-rate mortgages. 30-year fixed only.

Q: I can't afford closing costs. Can I get a gift for my closing costs?

A: Yes, USDA loans allow gifts from family members and non-family members. You will need a gift letter to accompany your loan application. Your loan officer (that would be me) can give you one.

Q: Can I use the USDA loan program for an investment property or vacation home?
A: No sir, the USDA Rural Housing Program is for primary residences only.

Q: Is there a minimum credit score for the USDA loan program?
A: There is no minimum score, per se, but 640 is generally regarded as a cutoff point. If your FICO is below 640, you should be prepared to explain why your credit score is below 640, and provide documentation. If you are without a credit score, your lender may accept "alternate" tradelines to establish credit history.

This list is NOT meant to be a comprehensive overview of what the USDA allows, but it covers a lot of good ground.

If you want more information, talk to your lender (that would be me J) or reach out to me directly. USDA mortgage rates are low and my office underwrites and funds our USDA loans in-house.

Now here’s the great news for all of my SEI Investments, Vanguard, De Lage Landen, Pfizer clients in & around Montgomery County. The following cities qualify:

Collegeville, Royersford, Evansburg, Trappe, Limerick, Schwenksville, Skippack, Oaks, Kimberton, Chester Springs, West Pikeland, Mont Clare, Birchrunville, Spring City ALL QUALIFY!!! (Generous applause please!!!)

So now that I have your attention, what’s the next step? Give me a call shoot me an email with questions! It’s that simple.

Sincerely,

Joe Gonzalez
Senior Loan Consultant
Meridian Bank - NMLS #126036
920 Germantown Pike, Suite 102 | Plymouth Meeting, PA 19462 | t: 610.739.6563 | f: 610.351.7810 |www.JoeGonzalez.net

Credit: Good, Bad & Daaaaamn type credit

Joe Gonzalez - Meridian Bank — Tue, 11 Oct 2011 09:34:01 -0700

While credit guidelines have tighten up quite a bit in recent years, there are many programs to help first time homebuyer’s purchase their home. One frequent question I run into is: “what if my credit is bad?"

My response: what is bad? There are differing levels of bad perceived bad. There are the following:

Your credit is fine - this normally is the accountant/bookkeeper (love that word & its 3 double vowels) that paid an account 1 day after the grace period & thinks they’re condemned to credit hell for an eternity. Don’t let your OCD stop you from applying for a mortgage. Find out before you decide to never attempt purchasing a home.

Your credit needs some work but you still qualify – this person has sufficient good accounts but had an unpaid hospital bill, utility bill or a minor 30 day late with the last year. No worries you will still qualify.

Your credit needs work: You lost your job, got sick,etc. & run into some serious credit issues that may will take time to correct however don’t worry. I’ll recommend you to a reputable credit counselor who can help you make the necessary corrections. PLEASE be patient & DON'T GIVE UP!

Your credit makes me scream Daaaaamn! – In this instance if I added your 3 credit scores together they still wouldn’t equal an acceptable score. I only found a handful of these in 15 years. This client lead deliberately avoids paying everything because they simply didn’t give a (see side picture). In this case, stick to renting because you don’t deserve a home. You’ll even default on your rent. When you start to CARE, call me & I’ll be happy to help. Until then DON'T waste my time or your realtor's!

No matter what your plight, get your credit checked….except for daaaamn credit type people. Please only call me when you decide to care about your future & I am willing to help.

Programs such as PFHA understand that it’s not a perfect world but people are trying. The rates are slightly higher at the moment but still competitive. The bottom line is that you can qualify & start building real equity for yourself & your family.

For those who have hit rough times but DESIRE to get back on their feet, it may be a long & sometimes challenging road. If you have too many accounts & there’s no way you can ever pay them off, a Chapter 7 bankruptcy may be your best option. I would be happy to recommend an attorney. But again, get your credit checked first. It may be not as bad as you think. Always remember that anything worthwhile in life you have to work for.

Sincerely,

Joe Gonzalez
Senior Loan Consultant
Meridian Bank - NMLS #126036
920 Germantown Pike, Suite 102 | Plymouth Meeting, PA 19462 | t: 610.739.6563 | f: 610.351.7810 |www.JoeGonzalez.net

Puerto Rico: Zip lining, Tarpon Fishing & a Wedding

Joe Gonzalez - Meridian Bank — Tue, 04 Oct 2011 17:26:14 -0700

Puerto Rico: Zip lining, Tarpon Fishing & a Wedding

Although Summer was officially over in September, I wasn't quite ready. Back pack in hand (if you read previous posts, you'll notice a theme) Jen and I headed to Puerto Rico for some fun & a wedding. Don't you love it when you can visit family that lives in a tropical climate?! :-)

I like adventure but not something that's going to kill me. We opted for zip lining at Toro Verde Adventure Park in Orocovis, Puerto Rico. The drive was amazing. Think long winding roads up a mountain into lush vegetation.

At Toro Verde, the zip lines in this course range from 800 feet to 2526 feet long. That is almost a ½ mile long! And the view you get at 600 feet off the ground is breath-taking!

We added "La Bestia" literally translated "The Beast" to our tour. This zip line is different from all the others. For this one, you are put into a large body harness, and you lay down and get attached to the cables from your back. So you are flying through the air like a bird (or Superman or Ironman). As far as I know, it is the only one of its kind in Puerto Rico.

At 4745 feet, it is almost a mile long (one of the longest zip lines in the world) and it is really, really high off the ground (853 feet)! This zip line takes about 2 minutes from end to end, and you are going pretty fast during parts of it — with the wind whipping across your face (hang onto your hats and sunglasses). You have time to really enjoy the scenery. It was really fun, and over way too fast — I could have done that again and again.

Since I love to fish, no trip to the Caribbean would be complete without tarpon. For the majority of the trip they eluded me; however on my last day, 3 hours before my flight left, my persistence paid off. This little guy jumped at least 4 to 5 feet in the air.

All in all a great trip. Summer is officially over but now it's time for some fall fun. Salmon fishing in upstate New York is next. I'll be sure to send some pics.

Sincerely,

Joe

P.S. - Click here for a few more pics!
P.S.S. - For those of you that love the outdoors, I highly recommend Krux shorts and Keen sandals. They're both WELL worth it.

Sincerely,

Joe Gonzalez
Senior Loan Consultant
Meridian Bank - NMLS #126036
920 Germantown Pike, Suite 102 | Plymouth Meeting, PA 19462 | t: 610.739.6563 | f: 610.351.7810 |www.JoeGonzalez.net

2 Bedroom Townhouse At Old Forge Xing, Devon PA

Joe Gonzalez - Meridian Bank — Fri, 09 Sep 2011 15:37:18 -0700

2 Bedroom Townhouse At Old Forge Xing, Devon PA

12 Old Forge Crossing
Devon, PA 19333
2 Bedroom Townhouse At Old Forge Xing, Chester PA

Mark Sweeney

Office:

(610) 247-3339

Price	:	$224,900
Bedrooms	:	2
Bathrooms	:	1
Square Foot	:	1,218
Lot Size	:	1,218
County	:	Chester
Property Type	:	Detached
Year Built	:	1973
MLS Number	:	5923118

click for more information and pictures

Property Description

Move in today and enjoy the condominium lifestyle in this spacious Townhouse in desirable Old Forge Crossing with pool and tennis included. This home features a large living room, floor to ceiling brick fireplace,sliding glass door to an oversized patio with room for a grill. The kitchen has been upgraded by the owner and has plenty of cabinet and counter space. Additional features include butcher block counter tops, tile backsplash, under cabinet lighting, wood flooring, built-in microwave, recessed lighting, whirlpool gas oven, stove and double refrigerator. The kitchen opens to a dining room accented by crown molding. Entrance hall with plenty of closet space, hall powder room and laundry area. The second floor features a large hall closet, two spacious bedrooms each with separate baths and ample walk in closet space. Owner has replaced all windows, the sliding door, heater and air conditioner unit. All within an easy commute to R5 train station to the city, as well as major corporate centers and shopping

Equal Housing Opportunity.

Keller Williams : 276-B Dilworthtown Rd - West Chester PA 19382 : (610) 247-3339

Sincerely,

Joe Gonzalez
Senior Loan Consultant
Meridian Bank - NMLS #126036
920 Germantown Pike, Suite 102 | Plymouth Meeting, PA 19462 | t: 610.739.6563 | f: 610.351.7810 |www.JoeGonzalez.net

Blogging Mistakes You Can’t Afford to Make

Joe Gonzalez - Meridian Bank — Tue, 26 Jul 2011 14:03:28 -0700

Here's from my partner Rebekah Radice. Great info on what NOT to do when blogging.

Hope you get as much out of it as I did!!

Via Rebekah Radice Colorado Springs FHA Loan 203k, VA Mortgage, Loan Pre-Approval (Benchmark Mortgage, Colorado Springs FHA, VA, Pre-Approval):

When you consider the numerous choices you have to market your business, there aren’t too many options that can hold a candle to blogging. A blog can be an inexpensive way for you to impart your years of experience, knowledge and expertise to potential clients. It can also be an incredibly effective way to promote your business and establish yourself as the local industry expert.

The problem is that most of us start a blog without a road map. We fly by the seat of our pants, learning the do’s and dont's of blogging the hard way. I am no exception and felt that passing along a few of the dont's that I’ve made along the way might help you avoid blogging mistakes you can’t afford to make.

Getting Started without a Purpose

Too many times we begin our blog without knowing the “why” behind it. Finding your bloggers voice is a process. However, having a clearly defined purpose for your blog before starting out gives you and your blog direction.

Ask yourself a few questions before getting started:

Why do you want to blog?

Who are you as a writer and author? Are you funny, quick witted and social or are you serious, to the point and eager to educate on all things industry related?

Not Blogging Consistently

Blogging inconsistently does not allow your audience or the search engines to find or follow you. Why would anyone return to your blog if you post sporadically at best? Create a schedule and a blog post calendar to keep you focused and on track.

Losing Site of Your Readers

I have seen so many blogs that have completely lost site of the very people they were initially looking to connect with. Your blog should be more about the client than about you. While it’s important to infuse you into your writing, stay zeroed in on the needs and wants of your potential clients.

Promoting Rather than Writing

I understand that your purpose is to draw clients in, but bashing them over the head with boring stats and constant promotional ads is not the way to build readerships. Your clients want to understand what it is you do and how you can assist them. They also want to know why working with you is so important. Yes they need facts and figures, but they also need to hear and see the human side of who you are. Don’t be afraid to put more of “you” and less of “Hi, I’m Johnny Realtor. Call me at blah blah blah for your free report” into your articles.

Expecting Your Readers to Find You

Your blog is a vital piece of your overall marketing plan. Don’t forget to promote it in all of your marketing and advertising efforts. Your clients will not just miraculously find you if you don’t add it to your postcards, emails, newsletter and other promotional items.

Not Installing (or reviewing) Google Analytics

I’m often asked by bloggers why they would review or even track their statistics. Not tracking your statistics is like driving at night without your headlights on. You may get to your destination, but the ride won’t be pretty. Google Analytics allows you to track your success and adjust your message along the way.

Forgetting how Powerful Your Blog Title Is

When I first started blogging I was more focused on fun, snappy titles than search engine friendly titles. While we need a nice mixture of both, forgetting the power of blog titles is a huge mistake. Don’t spend hours crafting that perfect post without adding an attention grabbing, descriptive, SEO friendly headline. **Read How to Write a Catchy Blog Post Title that POPS

Poor Writing Leads to Poor Perception

There’s nothing worse than reading an article full of misspellings and poorly written sentences. Take your time to spell check and review your article before you post. If you struggle with grammar, then pass off the review portion to a colleague. An editor will help point out punctuation, spelling and grammatical errors before that post ends up on the World Wide Web for all to see.

What blog mistakes have you made? Share your mistakes in a comment below. Hopefully we can prevent others from making the same mistakes!

Blogging Mistakes You Can't Afford to Make was written by Rebekah Radice.

Want to know more about me? Just Google Me!

T: 719.387.1368 | Email: rebekah@rebekahradice.com | Website: http://rebekahradice.com |CO & NMLS Licensee: LMB100010938 & 288596 | Benchmark Mortgage dba Ark-La-Tek Financial Services, LLC | 12 E. Kiowa |Colorado Springs, CO 80903

FREE Marketing, Sales & Success Strategies for Colorado Real Estate Agents:

Find Me Online!

Recent Articles from Rebekah's Blog

You Can Be a Referral Magnet

6 Ways to Drive Traffic to Your Website or Blog

How to Use LinkedIn to Generate Real Estate Business

What Happened to My Loan Approval

Top 5 Reasons You Should Blog on Active Rain

Get the Itemized List of Posts!

Sincerely,

Joe Gonzalez
Senior Loan Consultant
Meridian Bank - NMLS #126036
920 Germantown Pike, Suite 102 | Plymouth Meeting, PA 19462 | t: 610.739.6563 | f: 610.351.7810 |www.JoeGonzalez.net

Working Harder Doesn't Make You Smarter

Joe Gonzalez - Meridian Bank — Sat, 21 May 2011 16:36:45 -0700

I think we can all relate to Rebekah's thoughts below. We need to slow down and enjoy life rather than sprinting towards some imaginary finish line!

Via Rebekah Radice Colorado Springs FHA,203k VA Mortgage Loan Pre-Approval Specialist (Benchmark Mortgage, Colorado Springs FHA, VA, Pre-Approval):

Working Harder Doesn't Make You Smarter

I see it every day. Friends and co-workers running from one appointment to the next, trying to cram as much as they possibly can into their day:

Meet a buyer, pick up a sign, make 10 prospect calls before noon, create a new marketing campaign, post to Facebook fan page and the list goes on and on. But are we really getting ahead or just working harder?

I used to believe that I could multi task myself through the day. I was able to juggle multiple things at once, seamlessly moving from a client call to strategizing with employees on our next event. But times have changed. With the birth of social media, the barrage of email hitting our inbox and the increased needs of our clients, are we able to continue at this rapid pace?

I don't think so. I think those of us driving our lives at such a reckless speed (and believe me - I am the WORST offender) are all on the verge of massive burnout.

We read books on working smarter, not harder and how to maximize our work week, making the most out of every moment. The problem with the "being everything to everyone" theory is threefold.

We neglect us

We neglect our family

We wind up feeling worthless and frustrated because we're not doing any one thing well

How do find balance in your work and personal life?

Step away from the computer - We are so tied to our computers these days; I often wonder what we did without them. Oh wait, I do remember. We used to sit in the backyard, barbecuing with friends and enjoying the moment. We didn't worry about checking our smart phones every 5 minutes just in case we were needed to avert a crisis.

Unplug from technology and re-engage with life. I promise you - it will still be there when you get back.

Listen to your body - I spent time at my massage therapist this week (something I hadn't done in months) because of ongoing pain in my neck and back. In fact, it had become so pronounced that I found myself frequently massaging my own shoulder. It was when I saw this picture from a speaking event in Chicago last week that I realized I had a big problem.

It was no surprise when my masseuse said to me - "the stress you're putting on yourself is doing major damage to your body. You are holding in the stress and when you do that, your body has to find a way to deal with it." So what was mine doing? Creating knots in my muscles that even an NFL linebacker with the strength of two 800 pound gorillas couldn't work out.

Working Harder Doesn't Make You Smarter - Working long hours doesn't equal greater productivity. Working long hours just means you tried to force too many things into one day. It can also mean you're not focusing on any one task and completing it. That results in frustration spawned by a feeling of incompleteness.

My Challenge to You

Try focusing on one task and complete it before you move on to the next. When you start to multi task, force yourself to stop. Take the challenge and stick with it for one week and I guarantee you will find that those feelings of working harder, not smarter begin to slip away.

You'll feel refreshed, engaged and productive!

Working Harder Doesn't Make You Smarter was written by Rebekah Radice.

Rebekah Radice | Mortgage Loan Originator

T: 719.387.1368 | Email: rebekah@rebekahradice.com | Website: http://rebekahradice.com |CO & NMLS Licensee: LMB100010938 & 288596 | Benchmark Mortgage dba Ark-La-Tek Financial Services, LLC | 12 E. Kiowa |Colorado Springs, CO 80903

FREE Marketing, Sales & Success Strategies for Colorado Real Estate Agents:

Find Me on the Web!

Sincerely,

Joe Gonzalez
Senior Loan Consultant
Meridian Bank - NMLS #126036
920 Germantown Pike, Suite 102 | Plymouth Meeting, PA 19462 | t: 610.739.6563 | f: 610.351.7810 |www.JoeGonzalez.net

Mortgage Rates For King of Prussia & Nation - What's Ahead Week Of April 25, 2011

Joe Gonzalez - Meridian Bank — Mon, 25 Apr 2011 18:24:56 -0700

Mortgage Rates For King of Prussia and Nation- What Ahead For The Week Of April 25, 2011

Mortgage markets improved slightly through last week’s holiday-shortened trading sessions. Better-than-expected housing data led mortgage rates higher Tuesday and Wednesday, but rates retreated Thursday morning in advance of Good Friday.

Markets were closed Thursday afternoon and Friday. They re-open this morning up higher than its previous close. The DOW Jones is currently in the negative and mortgage markets are still higher. This could spell for better rates and/or fees today.

Conforming mortgage rates in King of Prussia ended last week unchanged overall. It’s a strange outcome considering that Standard & Poor’s issued a downgrade on U.S. debt Monday. In most instances, a debt downgrade would lead investors away from a particular group of securities — in this case, a group that includes mortgage-backed bonds. However, Wall Street reacted in the opposite.

When S&P issued its opinion, however, mortgage bonds rallied.

Some say this is because the downgrade will force Congress to address a rising debt-load; others think a downgrade slows growth which, in turn, slows down inflation. Both scenarios are considered a positive for mortgage bonds. Hence, mortgage rates fell.

This week, momentum could reverse. In addition to a slew of housing and economic data including New Home Sales, Pending Home Sales, and Consumer Confidence data, the Federal Open Market Committee is meeting for the third time this year. And this month, the FOMC is meeting a little differently.

As far as New Home Sales Today, sharp declines in the weekly mortgage purchase application index strongly suggest demand for new homes remains sluggish - a condition that will surprise no one. This data will likely exert little, if any influence on the direction of mortgage rates today.

When the Federal Open Market Committee (FOMC) gets together, it adjourns and releases a press statement to the markets at 2:15 PM ET. This month, though, the FOMC will release its statement at 12:30 PM ET, and then Fed Chairman Ben Bernanke will hold a press briefing at 2:15 PM ET to address the aforementioned statement. He’s expected to add growth forecasts to the official FOMC release, among other items.

Whenever the FOMC meets, mortgage rates can be volatile. This week, with the new press briefing format, that volatility is even more likely.

If you’re floating a mortgage rate or wondering whether to lock, mortgage rates will be at their “calmest” levels of the week Monday and Tuesday. Once Wednesday hits, and the FOMC statements begin, expect for rates to change.

Economic Calendar c/o Market Watch

Sincerely,

Joe Gonzalez
Senior Loan Consultant
Meridian Bank - NMLS #126036
920 Germantown Pike, Suite 102 | Plymouth Meeting, PA 19462 | t: 610.739.6563 | f: 610.351.7810 |www.JoeGonzalez.net

iPhone 4 - Video Marketing made easy

Joe Gonzalez - Meridian Bank — Mon, 11 Apr 2011 12:55:40 -0700

2 years ago I started testing with video marketing. It started with my Sony Cybershot camera, to a web cam to a Mac webcam to a Sony DDR High Def camera & sophisticated software. Over time I realized that a few things:

1. Stop trying to be perfect. Some of my best videos (content & hits) where some of the most amateur.
2. Real videos are real good.
3. Speak from your heart and answer common questions from your clients.
4. The easier it is to do your videos, the more likely you'll do them.

Enter the iPhone 4

So my iPhone 3G after 2 years & an amazing amount of abuse is still working but I'm starting to have issues. My wife tells me we can buy a refurbed iPhone 4 for $100. I didn't look up much info on them as I was very happy with my 3G & figured this would be the same or a little better. Within a week I was pleased thrilled with the results!!

Let's talk video. With your iPhone 4, the video is 720 hi def which shows up great even on a big screen. Remember that your phone also has a lense that points back to you. So you can see yourself while you are filming That comes in handy when you are doing it all yourself.

One of the most important features is the ease of which you can upload the video. Here's the process:

1. Record your video.
2. Click in the bottom left hand corner picture of your video. This will make the video come up
3. Again click on the bottom left hand corner that has a curved arrow to send the info.
4. Hit the "send to YouTube" button.
5. Add title, description, tags & category
6. Last - tap the "Publish" button in the upper right hand corner.

Voila, your done.

Now we aren't talking about editing the video. If you want to edit you'll have to upload the video to your computer.

One more important piece is lighting. He's a quick video that will show you a little more. And of course it was shot on my iPhone!

How to Get Great Lighting

Sincerely,

Joe Gonzalez
Senior Loan Consultant
Meridian Bank - NMLS #126036
920 Germantown Pike, Suite 102 | Plymouth Meeting, PA 19462 | t: 610.739.6563 | f: 610.351.7810 |www.JoeGonzalez.net

3 Bedroom Townhouse West Mt Airy Philadelphia

Joe Gonzalez - Meridian Bank — Fri, 08 Apr 2011 14:09:25 -0700

3 Bedroom Townhouse West Mt Airy Philadelphia

8243 Fayette St.
Philadelphia, Pa 19150
Spacious Three Bedroom Rowhome in West Mt. Airy

Tony Alicea

Office:	(215) 519-5907
Mobile:	(215) 519-5907
Website:	Visit Website

Price	:	$139,900
Bedrooms	:	3
Bathrooms	:	1
Square Foot	:	1,260
Lot Size	:	0
County	:	Philadelphia
Property Type	:	Attached
Year Built	:	1950
MLS Number	:	5802534

click for more information and pictures

Property Description

Wonderful three bedroom one and a half bath townhome in the heart of Mt. Airy (west). Cement patio in front of house is new along with steps leading to the front door. New rubber roof with transferrable warranty in 2005. Finished basement with powder room. Rear off street parking available. Located in the heart of West Mt. Airy, this property is well situated with close proximity to shopping and public transportation. Quiet street block with plenty of street parking. Movitated seller will entertain all reasonable offers. Quick settlement and possession available. Don't miss this great opportunity to live in the heart of West Mt. Airy!

Features List

3 Bedrooms

1 1/2 baths

off street parking

Equal Housing Opportunity.

EveryHome Realty : 1741 Valley Forge Road - Worcester PA 19490 : (215) 519-5907

Sincerely,

Joe Gonzalez
Senior Loan Consultant
Meridian Bank - NMLS #126036
920 Germantown Pike, Suite 102 | Plymouth Meeting, PA 19462 | t: 610.739.6563 | f: 610.351.7810 |www.JoeGonzalez.net

3 Bed 3 Bath Stone & Brick Rancher Media, PA

Joe Gonzalez - Meridian Bank — Thu, 07 Apr 2011 14:01:01 -0700

3 Bed 3 Bath Stone & Brick Rancher Media, PA

8 Pine View Dr
Media, PA 19063
3 Bed 3 Bath Stone & Brick Rancher Media, PA

Joseph Moore

RS275122

Office:	215-358-1100
Fax:	215-358-1104
Website:	Visit Website

Price	:	$447,000
Bedrooms	:	3
Bathrooms	:	3
Square Foot	:	2,161
Lot Size	:	43,560
County	:	Delaware
Property Type	:	Detached
MLS Number	:	5847445

click for more information and pictures

Property Description

Just unpack and arrange your furniture. This Stone Brick Rancher is located at the end of a tranquil cul-de-sac. Pride of Ownership emanates throughout this home. The all Rutt kitchen includes a built in fridge, pantry,corian counter tops, solid cherry cabinets and wainscoting. The Breakfast Room, Complete with brick hearth fireplace and cherry wood built ins. The 4 season sun room overlooks an expansive level private yard. The beamed family room is enhanced by the stone hearth propane fireplace, gorgeous built-ins and bar. Large bright living room (with Faux Fireplace) & dining room. Beautiful hardwood floors throughout. The large master suite, with full bath plus two additional bedrooms are carpeted with berber. Bonus lower level with a suite of 2 rooms plus a full bath, laundry, storage and room for a workshop. 13 month home warranty measurements are estimates only $1000 Agent Bonus for AOS that closes by 5/6/11

Equal Housing Opportunity.

RE/MAX Action Realty-Horsham : 1126 Horsham Rd - Maple Glen PA 19002 : 215-358-1100

Sincerely,

Joe Gonzalez
Senior Loan Consultant
Meridian Bank - NMLS #126036
920 Germantown Pike, Suite 102 | Plymouth Meeting, PA 19462 | t: 610.739.6563 | f: 610.351.7810 |www.JoeGonzalez.net

2 Bed 2 Bath Home North Wales Montgomery County PA

Joe Gonzalez - Meridian Bank — Thu, 07 Apr 2011 12:26:55 -0700

2 Bed 2 Bath North Wales Montgomery County PA

3028 Inkberry Cir
North Wales, PA 19454
2 Bedroom 2 Bath in North Wales

Joseph Moore

RS275122

Office:	215-358-1100
Fax:	215-358-1104
Website:	Visit Website

Price	:	$129,900
Bedrooms	:	2
Bathrooms	:	2
Square Foot	:	1,356
County	:	Montgomery
Property Type	:	Detached
Year Built	:	2004
MLS Number	:	5776604

click for more information and pictures

Property Description

You will just love this Almost New 2 bed 2 bath Bethel Model home! This home features an open floor plan with many upgrades that's just the right size for entertaining. Modern kitchen as well as lots of cabinets for storage. Your choice of front porch and or sun room to enjoy your morning coffee. Get ready to enjoy all this great community has to offer! Minutes from Montgomery Mall, theaters and restaurants. Schedule your appointment today! A free 13 Month Home Warranty for an accepted offer by April 15th.

Features List

Central Air	2 Car Parking	Porch
Wall-toWall Carpet	Vinyl Floors	Master Bedroom
Eat In Kitchen	Electric Cooking	Family Room
MB Full Bath	MB Walk In Closet

Equal Housing Opportunity.

RE/MAX Action Realty-Horsham : 1126 Horsham Rd - Maple Glen PA 19002 : 215-358-1100

Sincerely,

Joe Gonzalez
Senior Loan Consultant
Meridian Bank - NMLS #126036
920 Germantown Pike, Suite 102 | Plymouth Meeting, PA 19462 | t: 610.739.6563 | f: 610.351.7810 |www.JoeGonzalez.net

4 Bedroom Split Level Colonial Home in North Wales Montgomery County PA

Joe Gonzalez - Meridian Bank — Thu, 07 Apr 2011 09:12:34 -0700

4 Bedroom Split Level Colonial Home in North Wales Montgomery County PA

324 Britt Rd.
North Wales, Pa 19454
4 Bedroom Split Level Colonial

Tony Alicea

Office:	(215) 519-5907
Mobile:	(215) 519-5907
Website:	Visit Website

Price	:	$315,000
Bedrooms	:	4
Bathrooms	:	2
Square Foot	:	2,093
Lot Size	:	19,166
County	:	Montgomery
Property Type	:	Detached
Year Built	:	1961
MLS Number	:	4794639

click for more information and pictures

Property Description

Multi Level Colonial in the sought after neighborhood of Merrybrook. New
Trane gas furnace and Hi-Efficiency a/c unit with ten year transferrable warranties. New Kitchen boasting oak cabinets, backsplash and countertops.
New 1/2 bath in master bedroom. Freshly painted throughout with neutral colors. New refinshed hardwood floors throughout. Priced to sell as current owner is motivated. Quick settlement and Possession upon accepted offer.

Features List

Trane gas furnace	Priced to sell!!!
Hi-Eff. A/C unit
New Kitchen
Oak cabinets
New 1/2 bath
Freshly painted
Hardwood floors

Equal Housing Opportunity.

EveryHome Realty : 1741 Valley Forge Road - Worcester PA 19490 : (215) 519-5907

Sincerely,

Joe Gonzalez
Senior Loan Consultant
Meridian Bank - NMLS #126036
920 Germantown Pike, Suite 102 | Plymouth Meeting, PA 19462 | t: 610.739.6563 | f: 610.351.7810 |www.JoeGonzalez.net

King of Prussia, Plymouth Meeting - Mortgage Rates & Markets Weekly For The Week Of April 4, 2011

Joe Gonzalez - Meridian Bank — Tue, 05 Apr 2011 10:10:36 -0700

Mortgage Rates & Markets Weekly For The Week Of April 4, 2011

Mortgage Rates & Markets Weekly For The Week Of April 4, 2011, King of Prussia, Plymouth Meeting And Around The Nation

In a volatile week of trading, mortgage markets closed unchanged last week. Despite economic data proving stronger-than-expected — a situation that tends to lead mortgage rates higher — concern for persistently high oil prices tempered Wall Street’s excitement and mortgage rates stayed steady.

That’s not to say rates weren’t volatile, however. From day-to-day, mortgage rates showed huge variance last week and several lenders issued five separate rate sheets Friday.

The 12-month average is slightly less than two per day.

Expect the volatility to continue into this week, too. With little economic data due for release, mortgage rates should move on momentum. This would be good news for rate shoppers and home buyers throughout Illinois because mortgage rates ended last week on a downswing.

It’s all because of the March jobs report.

The jobs report is important to the economy because as the number of working Americans grows, so does total earned wages nationwide. In theory, this leads to higher levels of consumer spending, and to larger government tax receipts.

It starts a cycle in which businesses and governments additional workers and the cycle continues.

The U.S. economy added jobs in March for the sixth straight month.

Mortgage rates are 0.69% higher today as compared to their early-November 2010 lows. The jump has added 14 percent to the 30-year, long-term cost of homeownership in Seattle. However, as compared to history, rates remain low.

If you’re currently shopping for a mortgage, talk to your loan officer about today’s market and its risks. Rates may not rise this week, but they’re poised to surge along with the economy. Consider locking in today.

Chart c/o Market Watch

For Additional Information Or To Get Pre-Approved

Please Contact Joe Gonzalez

@ 610-739-6563

Joe Gonzalez Team

Please let me know your thoughts in the comment section below.

Sincerely,

Joe Gonzalez
Senior Loan Consultant
Meridian Bank - NMLS #126036
920 Germantown Pike, Suite 102 | Plymouth Meeting, PA 19462 | t: 610.739.6563 | f: 610.351.7810 |www.JoeGonzalez.net

HUD Raising FHA Mortgage Rates by 0.25% In King of Prussia, Plymouth Meeting, Blue Bell & National Markets

Joe Gonzalez - Meridian Bank — Thu, 17 Mar 2011 16:33:32 -0700

HUD Raising FHA Mortgage Rates by 0.25% In King of Prussia, Plymouth Meeting, Blue Bell & National Markets

...well effectively at least.

HUD (Department Of Housing And Urban Development) recently released it's Mortgagee

Letter 11-10 with the subject line: Annual Mortgage Insurance Premium Changes and Guidance on Case Numbers.

Here is the stated Purpose: This Mortgagee Letter introduces a 25 basis point increase to the Annual FHA Mortgage Insurance Premiums for forward mortgage amortization terms. It also provides guidance on the validity period of case numbers and new requirements for requesting them.

Effective Dates: The increase in Annual FHA Mortgage Insurance Premiums for forward mortgage amortization terms is effective for case numbers assigned on or after April 18, 2011. The new procedures for requesting case numbers are effective on April 18, 2011. Automatic case number cancellation is effective for all case numbers not insured prior to April 18, 2011.

What does this announcement mean to the Home Buyer? Below is an example comparing today's FHA Mortgage loan structure versus the new version.

Let's assume you are buying a new home at a purchase price of $425,000. The FHA Minimum Down Payment is 3.5%. So the base loan amount is $410,125. The FHA one time financed premium remains the same at 1%.

Assume FHA 30 Year Fixed Rate of 4.75%

Current Monthly Mortgage Insurance Base loan amount of $414,226.25 x 0.90 = $3,728.04 or $310.67 per month

New Monthly Mortgage Insurance April 18th, 2011 Base loan amount of $414,226.25 x 1.15 = $4,763.60 or $396.97 per month

This is a difference of $86.30 per month. HUD is effectvely raising FHA Mortgage interest rates or cost of the loan by a quarter percent!

Given that monthly FHA Mortgage Insurance must remain on the mortgage loan 60 months or for 5 years, regardless of down payment, it is substantial. In our example above the additional cost over those five years equals $5,177.81!!!

If you are in the market to buy a new home utilizing an FHA Mortgage, the time to act is now. Identify a property and obtain your FHA Mortgage case number before April 17th, 2011. Case numbers on which no action has been taken for the previous six months will be automatically cancelled.

Note: This also affects FHA 203k loan. It does not affect Reverse Mortgages.

If you are in the King of Prussia, Plymouth Meeting, Blue Bell and surrounding markets, and have questions about FHA Mortgages and/or need assistance with FHA Mortgages, please do not hesitate to contact me at 425.771.2095.

Need a Pre-approval? My team and I are here to help! Click I Want To Be Pre-approved: There are no upfront fees or obligation

Joe Gonzalez
Senior Loan Consultant
Meridian Bank - NMLS #126036
920 Germantown Pike, Suite 102 | Plymouth Meeting, PA 19462 | t: 610.739.6563 | f: 610.351.7810 |www.joegonzalez.net

Sincerely,

Joe Gonzalez
Senior Loan Consultant
Meridian Bank - NMLS #126036
920 Germantown Pike, Suite 102 | Plymouth Meeting, PA 19462 | t: 610.739.6563 | f: 610.351.7810 |www.JoeGonzalez.net

Mortgage Rates In King of Prussia, Plymouth Meeting, Blue Bell PA: A Look Ahead the Week Of March 14,2011

Joe Gonzalez - Meridian Bank — Mon, 14 Mar 2011 23:18:15 -0700

Mortgage Rates In King of Prussia, Plymouth Meeting, Blue Bell PA: A Look Ahead the Week Of March 14,2011

Mortgage markets opened a significantly better this morning. Look for Mortgage Rates To Decline.

In brief, the DOW is selling off due to the turmoil in Japan. With huge repair and infrastructure costs, plus the threat of Nuclear reactors, there is a flight to quality such as US Treasuries and Mortgage Backed Securities. See the chart below show the upward trend in Mortgage Markets, spelling lower mortgage rates in the King of Prussia, Plymouth Meeting, Blue Bell and surrounding markets. How long will this last? fundamentally, markets do not support this rally. I believe it is short lived. Once Japan regains some stability, we look for focus to return to the fundamentals of the recovery and mortgage rates to reverse there upward trend.

There are no economic reports scheduled today, the calendar has data points mid-week however. This week is marked by tomorrow's FOMC meeting with the short policy statement out at 2:15 Tuesday afternoon.

This Week's Economic calendar:

Tuesday;

8:30 am Empire State manufacturing index (17.0 frm 15.43 in Feb)

Feb import and export prices (N/A)

10:00 am NAHB housing market index (17 frm 16)

2:15 pm FOMC policy statement

Wednesday;

7:00 am weekly MBA mortgage applications

8:30 am Feb housing starts and permits (starts -4.4%, permits +2.0%)

Feb PPI (+0.6%; core +0.2%)

Q4 current account balance (-$110.0B)

Thursday;

8:30 am weekly jobless claims -10K to 387K; con't claims 3.750 mil frm 3.771 mil)

Feb CPI (+0.4%; core +0.1%)

9:15 am Feb industrial production (+0.6%)

Feb capacity utilization (76.5% frm 76.1%)

10:00 am Feb leading economic indicators (+0.9%)

Mar Philadelphia Fed business index (28.0 frm 35.9 in Feb)

Need a Pre-Approval? My team and I are here to help. Click I Want To Be Pre-approved : There are no upfront fees or obligation

Joe Gonzalez
Senior Loan Consultant

Meridian Bank - NMLS #126036
920 Germantown Pike, Suite 102 | Plymouth Meeting, PA 19462 | t: 610.739.6563 | f: 610.351.7810 |www.JoeGonzalez.net

Make sure you ask about our limited time FREE iPad giveaway for Purchase Clients only

Sincerely,

Joe Gonzalez
Senior Loan Consultant
Meridian Bank - NMLS #126036
920 Germantown Pike, Suite 102 | Plymouth Meeting, PA 19462 | t: 610.739.6563 | f: 610.351.7810 |www.JoeGonzalez.net

Mortgage Pre-Qualification or Mortgage Pre-Approval. What’s the Difference for King of Prussia, Plymouth Meeting, Phoenixville PA Home Buyers?

Joe Gonzalez - Meridian Bank — Sun, 13 Mar 2011 22:41:14 -0700

Mortgage Pre-Qualification or Mortgage Pre-Approval. What’s the Difference for King of Prussia, Plymouth Meeting, Phoenixville PA Home Buyers?

Before you ever begin to shop for a new home...

You should set up a time to meet with a mortgage lender so together you can determine out how much you can afford. This will put you in a better position as a home buyer. Imagine making an offer on a home. It get's accepted only to find out you cannot afford to buy it. Embarrassing to say the least. First, if you are working with a professional real estate agent, making an offer would not be an option unless you were pre-qualified or pre-approved.

It is important to understand the distinction between being pre-qualified for a mortgage loan and pre-approved for a mortgage loan. The difference between the two terms will be crucial when you decide to make an offer on a house. Being pre-approved gives more weight and instant credibility.

To get pre-qualified for a loan, a lender will collect basic information about your debt, income, and assets. This is generally done over the phone. They'll ask about your credit profile (not run a credit report) and assess goals for a down payment and get an idea of different loan programs that might work for you. The lender will then issue you a pre-qualification letter indicating the amount you are pre-qualified to borrow. There is typically NO COST OR OBLIGATION to get a pre-qualification. THE problem with a simple pre-qualification is that it's not worth the paper it's printed on. It's simply based on unverified numbers and no credit score review.

It is important to understand that a pre-qualification letter is just an estimate of what you are eligible to borrow, not a commitment to lend. Getting pre-approved for a loan provides you a competitive advantage when the time comes to bid on a home because you have been pre-approved for a loan for a specified amount.

To get pre-approved, you will complete a mortgage application and provide various information verifying your employment, assets and financial status such as W-2 forms, bank records and credit card statements. The mortgage lender will review your mortgage options and submit your application to underwriting. Once the application process is complete you will receive a pre-approval letter indicating the amount that you are approved to borrower so you can purchase your next new home.

FYI, a pre-approval letter is not entirely binding on the lender; it is subject to an appraisal

of the home you wish to purchase and certain other conditions (clear title, etc.). If your financial situation changes (e.g. you lose your job), interest rates rise greatly or a specified expiration date passes, an underwriter will need to review your situation and recalculate your mortgage amount accordingly.

Get started with your pre-approval today by applying and providing your Reference Papers at your earliest convenience.

NOTE: The more complete the documentation you provide upfront to your lender, the more likely your mortgage application process will go smoothly. If you delay providing the documents requested, it could also delay your closing. So do not delay and turn around the requested documentation as soon as possible.

Need a Pre-Approval? My team and I are here to help. Click I Want To Be Pre-approved : There are no upfront fees or obligation

Joe Gonzalez
Senior Loan Consultant

Meridian Bank - NMLS #126036
920 Germantown Pike, Suite 102 | Plymouth Meeting, PA 19462 | t: 610.739.6563 | f: 610.351.7810 |www.JoeGonzalez.net

Make sure you ask about our limited time FREE iPad giveaway for Purchase Clients only

Sincerely,

Joe Gonzalez
Senior Loan Consultant
Meridian Bank - NMLS #126036
920 Germantown Pike, Suite 102 | Plymouth Meeting, PA 19462 | t: 610.739.6563 | f: 610.351.7810 |www.JoeGonzalez.net

FHA Mortgage, Loans From Family Are Allowed for King of Prussia, Plymouth Meeting & Wayne Areas

Joe Gonzalez - Meridian Bank — Tue, 08 Mar 2011 13:30:10 -0800

FHA Mortgages, Loans From Family

With Down Payment Assistance for FHA Mortgages becoming a bit more difficult to find. Another source of funds for down payment to buy a home is a LOAN from an immediate family member. That is right. This a little known FHA underwriting guideline that is allowed. However, not all Mortgage Lenders offer it. Even though it can not be a requirement of the loan, qualified first time homebuyers can obtain the money from their parents and pay it back upon receipt of their income tax rebate.

FHA Mortgage Guideline

FHA will allow family members to loan 100% of the overall amount of money required to get into a house, including the down payment. There is no supplementary “cash investment” required from the borrowers.

More Details:

The loan may include some or all of the down payment, closing costs (points, appraisal, title, escrow, etc) and pre-paids expenses (real estate tax, hazard insurance, pre-paid interest).

Immediate family only, meaning parent, grandparent, son, stepson, daughter, stepdaughter, lawfully adopted child, or foster child.

The loan can be unsecured or secured against the subject property. The lien on the house should be the family member lending the down payment, etc monies – not a third party.

It is acceptable for the family member to borrow the funds, for instance, from their financial institution. The institution can place a lien on the parents’ house, although not the borrowers’ (subject) property. In addition, the borrowers/buyers cannot authorize the note with the bank.

The source of down payment money that the family member is utilizing for the loan cannot be directly or indirectly from anyone with a monetary interest in the transaction.

Payments, if applicable must be included in the debt ratio to qualify. In other words, if there are payments due, they need to be added to all other debts you may or may not have for qualifying purposes. So be careful when using this approach. It's best to ask a professional mortgage advisor who specialized in FHA Mortgages for guidance.

No balloon payments can be due inside 5 years. "Balloon" means the entire balance is due at the end of the designated term (in this case 5 years). Not allowed.

The CLTV (all combined first and second, if any liens on the property) CAN go over 100% of the sales price (or value) of the house, but there can be no cash back to the borrower beyond a refund of earnest money deposit.

The first mortgage loan amount calculations are not impacted by utilizing this resource.

Ask about our FREE Ultimate Home Buyer Success Kit

For Additional Information Or To Get Pre-Approved

Please Contact Joe Gonzalez

@ 610-739-6563

Joe Gonzalez Team

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Sincerely,

Joe Gonzalez
Senior Loan Consultant
Meridian Bank - NMLS #126036
920 Germantown Pike, Suite 102 | Plymouth Meeting, PA 19462 | t: 610.739.6563 | f: 610.351.7810 |www.JoeGonzalez.net

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