gonzalez: Utilizing your website to your advantage - 03/08/08 12:45 PM
Over the past few weeks we have been utilizing the power of the internet/website combined with our database marketing to really get our lead generation up there. After reading an article from one of the website companies, I was shocked to see that 98% of the websites that realtors & mortgage people … (3 comments)

gonzalez: Getting the Best Interest Rate on Your Home Loan? A Qualified Mortgage Consultant Can Help Boost Credit Scores - 03/07/08 08:18 AM
Consumers interested in purchasing or refinancing a home will pay an interest rate based on current market conditions and their ability to pay back the loan. The borrower's income and debt ratios are taken into consideration by the lender, as well as the predictability factor provided by credit scoring. It's important … (0 comments)

gonzalez: A Farewell to ARMs: Refinance Before Adjustable Rate Mortgages Reset - 03/07/08 08:14 AM
Since June of 2004, the Federal Reserve has systematically increased the federal funds rate, causing short-term interest rates to follow suit. As a result, consumers with Adjustable Rate Mortgages (ARMs) tied to volatile short-term rate indices, such as the LIBOR, are finding themselves at the mercy of the Federal Reserve's war … (1 comments)

gonzalez: Home Buyers Face Decisions that Affect Their Long-Term Financial Picture - 03/07/08 08:11 AM
Taking the step into home ownership is one of the most important financial decisions a person will make in their lifetime. There are many factors to consider when embarking on this venture. Literally hundreds of loan programs are available, and it is important to find the one that best fits your … (0 comments)

gonzalez: Should You Leverage Your Home or Pay It Down Rapidly? - 03/06/08 11:14 PM
There is a great debate within the inner-mortgage circles these days. Should we, as loan professionals, encourage clients to borrow as much money as possible? Or would consumers benefit more if we helped them to understand the advantages of 15-year amortization schedules and pre-paying principal? Let's examine the pros and cons … (1 comments)

gonzalez: Ready to Trade-In Your Home? Maybe you should remodel it instead! - 03/06/08 11:04 PM
Each year, millions of Americans move into the home of their dreams. As time goes by, families expand, kids grow older, and suddenly that home isn't quite so perfect anymore. Or perhaps you still love your home, but you really want a gourmet kitchen and a larger master bedroom. Should you … (0 comments)

gonzalez: Protecting Your Credit During Divorce - 03/06/08 10:56 PM
When a marriage ends in divorce, the lives of those involved are changed forever. During this time of upheaval, one thing that shouldn't have to change is the credit status you've worked so hard to achieve.
Unfortunately, for many, the experience is the exact opposite. Unfulfilled promises to pay bills, the maxing … (1 comments)

gonzalez: Careful of who you choose as a professional busines coach - my first hand experience - 03/06/08 10:30 PM
A few years back, I was introduced to the idea of using a personal coach to help my business get off the ground.  I thought to myself hmmmm, when I played sports, every time I used a coach they really helped me get to that next level & in some cases, … (5 comments)

gonzalez: Single, succesful & STILL RENTING??? - 03/05/08 05:18 PM
So your single, your successful & you're still renting?!! Real Estate is not just a about owning a home.  It is a part of your overall financial investment strategy!  Consider what renting really costs you! Continue to read the flyer below!  For a free report log on to my website at … (0 comments)

gonzalez: NOT EVERYONE SHOULD BUY A HOME!! SHOULD YOU?!! - 03/05/08 05:16 PM

Not everyone should buy a home! Should you?!! Don't buy a home unless: 
You want to make your landlord richYou want to pay less to uncle SAMYou don't want to build wealth through realestate!!It is a part of your overall financial investment strategy!  Consider what renting really costs you! For a … (0 comments)

 
Mortgage Company: Joe Gonzalez - 1st Metropolitan Mortgage
Joe Gonzalez
Bethlehem, PA
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Joe Gonzalez - 1st Metropolitan Mortgage

Office Phone: (610) 351-7510
Cell Phone: (610) 739-6563
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