That's right, until April 2011, if you are purchasing a property in Allen County (Indiana) or many of the surrounding counties, you can be a repeat buyer & still qualify for the MORTGAGE CREDIT CERTIFICATE (MCC) program!  It can be worth up to $2,000 EVERY YEAR on your taxes!!!  Contact me at 260-469-0917 for more details!

I have partnered with HBMII to be able to offer a unique service FREE to all my customers.  It is called the Home Buyers Scouting Report & it is like an MLS home search but on steroids!  The amount of information a customer can see when they use it is incredible plus the map features are so inclusive that it becomes addictive!  This is just one more way we set ourselved apart from the competition & we continue to be THE mortgage company for Fort Wayne & Northeast Indiana! 

We promise NO unwanted sales calls and NO spam... All for FREE & simply the opportunity to earn your business!

Simply click on the link below to immediately start searching for homes in the Fort Wayne/Northeast Indiana area for FREE!

***ALERT***

***BUYER BEWARE!!!***

If you are considering attending any real estate or mortgage related motivational speaking engagements by either Steve Branham or Brian Tracy of the "Not Satisfied Tour" doing business as "Not Satisfied LLC", DON'T BUY A TICKET UNLESS YOU ARE 100% SURE YOU CAN MAKE IT!!!  They mean it when they say, NO REFUNDS, NO EXCEPTIONS!!!

Read the quote (in fine print) on their seminar ticket & tell me if you think this is a good way to do business:  "NON-REFUNDABLE - NO CASH REFUNDS, NO EXCEPTIONS.  IN THE EVENT OF SICKNESS, DEATH, WAR, GOVERNMENT RESTRICTIONS OR CIRCUMSTANCES BEYOND THE CONTROL OF NOT SATISFIED, THE RIGHT TO REVISE THE FORMAT OR DATE OF SEMINAR IS EXPRESSLY RESERVED BY NOT SATISFIED LLC.  THE HOLDER OF THIS TICKET ASSUMES ALL RISK AND DANGER RELATING TO THE EVENT WHETHER OCCURING PRIOR TO, DURING OR AFTER THE EVENT.  THIS TICKET IS A REVOCABLE LICENSE AND MAY BE WITHDRAWN AND ADMISSION REFUSED AT THE DISCRESION OF NOT SATISFIED LLC."

Unfortunately, I gave in to Steve Branham's HIGH PRESSURE sales tactics when he came to my company's office in 6/09 & I paid $315 (face value $499) to attend a seminar on "Maximum Achievement & Superstar Selling" on 8/09.  Around 7/1/09, I found out my regular babysitter was going to be out of town that day & I had no babysitter for my 5 month old son so I would need to work from home that morning until my wife got off work.  I then called the Not Satified LLC office & notified them of my problem & asked for a refund.  That is when they told me I should have read the fine print on the "registration form" when I originally paid becuase they have never made an exception to their no refund policy in the history of their company for ANY REASON.  They said, you can go to another seminar instead so I asked when the next one was & she said 12/09 in Sacramento, CA!  I live in Fort Wayne, IN & the original conference was in Indianapolis (120 miles away).  I then was told they only have 2-3 conferences per year spread around the country & that I could wait approximately 3 YEARS until they came back to Indianapolis!!!  Obviously, this is ridiculous!  I was offered no apology or sympathy because they arleady had my money!

Four of my colleagues from my office did go to the seminar & they were so disappointed with the quality of it they even left at lunch & didn't believe it was worth their time to stay for the afternoon session even though they also paid $315 each for their tickets!  I asked repeatedly & Stephanie Branham (the CFO at Not Satisfied LLC) said they have no satisfaction guarantee in addition to their no refund, no exception policy... DOES THAT SOUND LIKE A BUSINESS THAT IS PUTTING OUT A QUALITY PRODUCT TO YOU???

I have since filed a complaint against their company with the Better Business Bureau.  Does anyone else have any suggestions on how to deal with this greedy company that doesn't care about their customers once they have your money???

I told Stephanie that she may have my $315 on a technicality but it is a VERY poor business practice from an ethical perspective. I could NEVER get away with charging someone in my business if I did not render a service to them in the end. Furthermore, I would CHOOSE to refund the money back to my customer if I never rendered a service to them because it is the right thing to do, something that seems to be escaping the employees & management of the "Not Satisfied Tour".

In summary, I encourage everyone to beware when dealing with the "Not Satisfied Tour" or Not Satisfied LLC.  Keep in mind that they literally don't even care if you or a family member DIE, they will not give you a refund to one of their seminars?  And they apparently do not have a satisfaction guarantee either.  It can be an unpleasant experience but you're just out of luck on the $315+ you spent on the ticket.  Just remember, if you buy a ticket to a seminar there are "NO  REFUNDS NO EXCEPTIONS"

***Am I off target for being so frustrated in this case???

Sincerely Frustrated,

Nathan

We are HIGHLY recommending first time homebuyers have an accepted purchase agreement NO LATER THAN 10/15/09  so you can get closed by the end of November & not miss out on the federal $8,000 tax credit!  NOW is the time to be looking for your first home!!!

Nathan Gaier & John Gaier of The Gaier Team at Hallmark Home Mortgage continue to be one of the few lenders in the Fort Wayne area still offering the MCC (Mortgage Credit Certificate) program!  It can be used with FHA loans, conventional loans & USDA loans!  Please contact me at ngaier@hallmarkhomemortgage.com for more details on any of these programs!

Have a great weekend! 

I wanted to let you know I will be making another radio guest appearance on WOWO AM 1190.  It will be on this Monday morning, 10/6, at 7:05am with Charlie Butcher & the topic will be "How difficult is it to get a mortgage today?" 

I hope you have a chance to listen live!

Have a great weekend,

Nathan J. Gaier

The Gaier Team

Senior Mortgage Consultant &

Contact Conversion Specialist

7421 Coldwater Road, Fort Wayne, IN 46825

Office: 260-469-0917 or 888-490-1428 (receptionist)

Cell:   260-615-9676

Fax:   888-719-2706

www.HallmarkHomeMortgage.com/ngaier

Hallmark Home Mortgage www.HallmarkHomeMortgage.com has recently added Mortgage Consultants in Indianapolis, IN to our team!  We now have approximately 50 employees with 6 offices & an average of 16 years of mortgage industry experience per employee!  Somehow we have found a way to grow when everyone else in the market seems to be cutting back.

Where did the core employees of the old Waterfield Mortgage Company go?  They are still in Fort Wayne, IN but now are working for Hallmark Home Mortgage which celebrated it's 1st anniversary in business in the summer of 2008.

We now have offices in Fort Wayne IN (corporate office), South Bend IN, LaPorte County IN, Mount Pleasant MI, Indianapolis IN, and Evansville IN.

A Letter From Deborah Sturges "Change always comes bearing gifts."  ~Price Pritchett   Sudden change is seldom welcome, but one day in 2006 I found myself in the midst of great change. Not only for me, but for my friends and co-workers who had worked so hard for me and beside me everyday. Waterfield Mortgage, a longtime Fort Wayne based company where I was senior vice president, was sold. 650 people, including me, lost their jobs. We were suddenly faced with many challenges both professional and personal. At first I was devastated, but with time I realized it was an opportunity for positive change. After taking a couple of months to reflect, I decided that Fort Wayne still needed the type of home finance solutions we had been giving at Waterfield and that I wanted to be the one to continue that TRADITION OF SERVICE. The foundation for Hallmark was in place. I set out to create a new and different mortgage company. The name had to express my desire to create a company made up of the best people in the industry, who share my commitment to always put YOU, our customer, first. The dictionary definition of Hallmark is: 1. A mark indicating quality or excellence. 2. Any mark or special indication of genuineness, good quality, etc. The name Hallmark Home Mortgage fit my vision for the company. My next step was to begin assembling the team that was going to help me realize my dream. The market was rich with talented people. Most of them, I had worked with for years and they were currently unemployed. So in the spring of 2007, with great people onboard, the ability to make all decisions in-house, and strong local financial backing, Hallmark Home Mortgage was born. As a Fort Wayne native, I care deeply about our city. Community involvement has always been a high priority for me. I have served as the Chairman of Parkview Hospital, a member of the Board of Directors of Parkview Health Systems, a Board Member of the Fort Wayne Chamber of Commerce and of Anthony Wayne Services. I have also chaired the Indiana Health Facility Finance Authority for 8 years, have been on the Fort Wayne-Allen County Airport Authority Board, served as Chairman of the Board of United Way of Allen County and was their 1999 Campaign Chair and Co-Chair of the Tocqueville Society. Through these associations, I know how rewarding service can be; I believe everyone has the ability to make a positive impact on their community. Hallmark Home Mortgage is a place where community service is supported and encouraged. I feel privileged and blessed to be surrounded by the exceptional group of professionals that make up Hallmark Home Mortgage. I am equally honored to be in a business that makes the dream of homeownership a reality for people everyday. We look forward to the opportunity to earn your business. I invite you to experience the Hallmark Home Mortgage difference. Deborah Sturges President & CEO of Hallmark Home Mortgage

As of today, we only have 2 investors left that we can still lock loan with that are getting the 3% downpayment paid for by the seller.  One of these investors says the loan must be locked by this Friday 8/29 & the other investors says it just must be registered (with a property address) by this Friday 8/29.

Any buyer that is already pre-approved needing to get their 3% FHA from the seller needs to act quickly or they will have to come up with the downpayment themselves or get it as a gift from someone.

The elimination of the DPA programs on FHA loans will be rough for the market in the short term but it should help stabilize the market long-term since buyers will start to have to put money down on their house again.

For more information, you can call me at 260-469-0917 or visit our website at www.HallmarkHomeMortgage.com/ngaier

Have a great day!  Nathan

I have just had an opportunity to review a summary of the new housing bill that was put together by the Mortgage Bankers Association.  It appears that we will still be able to utilize the Down Payment Assistance (DPA) programs for all loans "credit approved" prior to 10/1/2008.  So now we know our window of time is 60 days.  It is very important to get this word out to potential buyers, especially if they are already pre-approved using a DPA!  I see this as a HUGE opportunity for us to create a sense of urgency and get some buyers off the fence in the next 2 months!

Even after the 10/1 date, I still see some positives in this whole situation.  The FHA down payment requirement does increase from 3 - 3.5%.  However, it now allows for not only gifts from family members but also loans from family members, provided the loan is subordinated and the total CLTV does not exceed 100%.  Seller concessions remain untouched at 6%.  HOME & HOP funds (locally using mainly "Community Connections") are still allowed although please keep in mind that the City of Fort Wayne grant money is already gone for 2008.  We do, however, highly encourage all First Time Homebuyers to apply for the MCC tax credit that can still save them up to $2,000 year and is very inexpensive, not to mention relatively simple for us to process here at Hallmark.  All in all, we believe this new bill will ultimately bring forth a stronger, more prepared homeowner which will benefit all of us in the long term.  Those who are serious about homeownership should be able to find a way to save, borrow or be gifted their 3.5% and be more committed to making house payments because of it.  There may be a short lag time for the public to change their mind set of 100% financing, but it will happen.

One question we have already been asked a few people is, "What is the $7,500 tax credit we have heard about?"  The following can be found in the attached file under "Division C - Tax-Related Provisions" on page 9:

"TITLE I - HOUSING TAX INCENTIVES (Division C, Title I)

• First-Time Homebuyer Tax Credit: Makes a qualifying individual or a couple, who is a first-time homebuyer of a principal residence in the United States from April 9, 2008 through April 1, 2009 eligible for a tax credit not to exceed $7,500 (to be paid back over 15 years) Credit will begin to phase out if single taxpayer's income exceeds $75,000 per year or the couple's income exceeds $150,000. "

I am sure you are thinking the same thing we are about are the details relating to the tax credit having to be paid back over 15 years.  We haven't seen any more details than that as of yet but it appears that it isn't free money!

We all need to stay positive and see this as a short-term opportunity to get some of our on the fence customers to buy sooner instead of later and a long-term opportunity to strengthen the entire housing market in Fort Wayne!

Have a great day & visit my website www.HallmarkHomeMortgage.com/ngaier

Nathan

The following link is of my recent radio interview on WOWO 1190 in Fort Wayne, IN. The interview was primarily about short sales and possible Freddie Mac/ Fannie Mae new rules on how long someone has to wait to be able to get a mortgage. The interview was on 6/23/08. boomp3.com Enjoy! Nathan Also, you can find more mortgage related information at my website www.hallmarkhomemortgage.com/ngaier