joe gonzalez: My 28 Year & Counting Family Tradition - Salmon Fishing - 11/02/11 07:45 AM
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 … (0 comments)
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joe gonzalez: Why Rent? Fixed FHA Mortgages at only 3.75% (5.092 APR)! King of Prussia, Plymouth Meeting, Phoenixville - 10/31/11 10:33 AM
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 … (0 comments)
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joe gonzalez: USDA Updates – They now charge for the awesomeness! - 10/24/11 03:44 PM
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 … (3 comments)
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joe gonzalez: USDA Rural Housing – kick butt 100% financing that you’ll probably qualify for! - 10/21/11 03:56 PM
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 … (22 comments)
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joe gonzalez: Credit: Good, Bad & Daaaaamn type credit - 10/11/11 09:34 AM
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 … (5 comments)
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joe gonzalez: Puerto Rico: Zip lining, Tarpon Fishing & a Wedding - 10/04/11 05:26 PM
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. … (3 comments)
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joe gonzalez: Mortgage Rates For King of Prussia & Nation - What's Ahead Week Of April 25, 2011 - 04/25/11 06:24 PM
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 … (0 comments)
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joe gonzalez: King of Prussia, Plymouth Meeting - Mortgage Rates & Markets Weekly For The Week Of April 4, 2011 - 04/05/11 10:10 AM
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 … (1 comments)
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joe gonzalez: HUD Raising FHA Mortgage Rates by 0.25% In King of Prussia, Plymouth Meeting, Blue Bell & National Markets - 03/17/11 04:33 PM
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 … (1 comments)
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joe gonzalez: Mortgage Rates In King of Prussia, Plymouth Meeting, Blue Bell PA: A Look Ahead the Week Of March 14,2011 - 03/14/11 11:18 PM
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. … (0 comments)
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joe gonzalez: Mortgage Pre-Qualification or Mortgage Pre-Approval. What’s the Difference for King of Prussia, Plymouth Meeting, Phoenixville PA Home Buyers? - 03/13/11 10:41 PM
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 … (0 comments)
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joe gonzalez: FHA Mortgage, Loans From Family Are Allowed for King of Prussia, Plymouth Meeting & Wayne Areas - 03/08/11 01:30 PM
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 … (0 comments)
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joe gonzalez: Video Introduction to clients - 05/13/09 02:59 PM
Take care,
Joe Gonzalez1st Metropolitan Mortgage
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joe gonzalez: Don't Make Extra Payments Against Your Mortgage - 02/25/09 09:46 AM
For years I have tried to explain to clients that depending on their circumstances it may make more financial sense to pay down debt instead of your mortgage. Liz Pulliam Weston posted an article that I think everyone who pays additional against their mortgage may find very interesting!Here's a link to the article:http://articles.moneycentral.msn.com/Banking/HomeFinancing/DontRushToPayOffThatMortgage.aspx
A question you can think about is what is the rate of return on the equity that is stuck in my home? That would be 0!
Joe Gonzalez1st Metropolitan Mortgage610-351-7510
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joe gonzalez: Why Rent When You Can Own Your Own Home Instead? - 12/03/08 03:18 PM
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joe gonzalez: Keys to staying in business in this crazy market - 11/03/08 11:12 AM
70% of loan officers that were in the business in 2006 are no longer here per one source. The percentage of realtors that are out of the business can't be much better. While interviewing many realtors from newby's to seasoned pros I can't help but notice that are but a few differences between the two. I didn't say small difference. So I narrowed it down to 4 keys to not only surviving but rather thriving in this business. Here's what I've come up with:
High tech - it seems that those who are doing well in this marketing … (1 comments)
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joe gonzalez: Why Rent When You Can Buy?! - 10/02/08 07:59 AM
October 2, 2008
Would someone please tell me WHY people in Allentownare STILL renting when they could buy a home with close to 100% financing & a great rate?! WHY WOULD YOU STILL RENT?!! I JUST DON'T GET IT!!!
www.rentingisdumb.com
BECAUSE RENTING IS REALLY DUMB!!
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joe gonzalez: Because Renting Is Just Plain Old Dumb!! - 10/01/08 04:07 PM
Because Renting Is Just Dumb!
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joe gonzalez: What Lenders Look for in Home Loan Applications - 07/21/08 10:30 AM
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joe gonzalez: Planning Your Mortgage and Seeking Pre-approval - 07/21/08 10:28 AM
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