I am showing Realtors and Buyers all over the country how they can get Buyers into a new home with no money down. 

• 100% financing purchase loans
• Low rates
• No  monthy PMI
• Seller can pay buyers closing costs.
• Many qualifying areas.
• 620 minimum credit score required
• At least 3 years out of bankruptcy
• No manufactured homes.

Call me today at 1-877-457-6199 Ext. 123

Michael Lewers

Senior Mortgage Consultant

www.emeryfederal.com/michaellewers

michael.lewers@emeryfed.com

It's that time of year again The Pro Football Hall of Fame Festival begins tomorrow.  This week will be packed with a food fest, fireworks, many balloon lift offs, a fashion show, a ribs burn off, two parades, more fireworks, the enshrinement, and the Hall Of Fame Game.  Lot's of fun for anyone living or traveling to the Canton area.

Have a great week.   

LOOKING FOR PURCHASE PROGRAMS?

Turn your good credit into a good fixed rate mortgage.

There are still so many programs available for home purchase loans and refinance loans.  If you have been able to keep your credit in good standing, take advantage of the opportunities you have created for yourself.  Everything these days is determined by your 3 credit scores.  Here are just a few of the loan programs available:

Purchase Loans:  Just to name a few

100% purchase loans available in many areas.  This loan has no required PMI and generally requires only a 620 credit score.  Available on fixed rates. 

FHA mortgage loans  available with 3.50% down.  Available on fixed rates

VA mortagge loans   available to 100%.  Available on fixed rates.

Conforming Loans      avaiable with 5-10% down. Available on fixed rates.  

Refinance Loans:  Just to name a few

There are so many different programs still available on fixed rates.  The better your credit score, the better  the rate is that you qualify for.

If you ever have a question, feel free to contact me.

michael.lewers@emeryfed.com

1-877-457=6199 Ext. 123

www.emeryfederal.com/michaellewers

I have a 100% financing program available in many areas.  If you would like to talk with me about a specific buyer, I can see which area near you qualifies for this program.  Borrower must have a minimum of a 620 credit score.  Feel free to email or call me.

What sets us apart:

• Top knotch customer service.
• Years in the business.
• Hundreds of competitive programs.
• Excellant reputation.

Feel free to contact me with any questions.  I will be in the office all week and available to help get loans closed quickly.

Make it a great week.

Michael Lewers

1-877-457-6199 Ext. 123

Apply online at www.emeryfederal.com/michaellewers

email michael.lewers@emeryfed.com

LOOKING FOR PURCHASE PROGRAMS?

Turn your good credit into a good fixed rate mortgage.

There are still so many programs available for home purchase loans and refinance loans.  If you have been able to keep your credit in good standing, take advantage of the opportunities you have created for yourself.  Everything these days is determined by your 3 credit scores.  Here are just a few of the loan programs available:

Purchase Loans:  Just to name a few

100% purchase loans available in many areas.  This loan has no required PMI and generally requires only a 620 credit score.  Available on fixed rates. 

FHA mortgage loans  available with 3.50% down.  Available on fixed rates

VA mortagge loans   available to 100%.  Available on fixed rates.

Conforming Loans      avaiable with 5-10% down. Available on fixed rates.  

Refinance Loans:  Just to name a few

There are so many different programs still available on fixed rates.  The better your credit score, the better  the rate is that you qualify for.

If you ever have a question, feel free to contact me

LOOKING FOR PURCHASE PROGRAMS?

Turn your good credit into a good fixed rate mortgage.

There are still so many programs available for home purchase loans and refinance loans.  If you have been able to keep your credit in good standing, take advantage of the opportunities you have created for yourself.  Everything these days is determined by your 3 credit scores.  Here are just a few of the loan programs available:

Purchase Loans:  Just to name a few

100% purchase loans available in many areas.  This loan has no required PMI and generally requires only a 620 credit score.  Available on fixed rates. 

FHA mortgage loans  available with 3.50% down.  Available on fixed rates

VA mortagge loans   available to 100%.  Available on fixed rates.

Conforming Loans      avaiable with 5-10% down. Available on fixed rates.  

Refinance Loans:  Just to name a few

There are so many different programs still available on fixed rates.  The better your credit score, the better  the rate is that you qualify for.

If you ever have a question, feel free to contact me

Phone 1-800-457-6199 x 123   

Email michael.lewers@emeryfed.com 

Website www.emeryfederal.com/michaellewers

Conforming, Portfolio, No Hidden Fees, Close Fast (edit/delete)

Home Loans, 100% Purchase (Many Areas), VA  100%, FHA 3.50% Down, RD 100%, Jumbo, Portfolio, No Hidden Fees, Close Fast (edit/delete)

Let your clients, friends, and family save. 

Savings:

I have decided to offer a special discount off closing costs to anyone who is referred to me who closes a loan in the next 30 days.  The discount will be $300 off closings costs credited at closing.

Programs:

I am able to originate loans in all 50 states.  Programs available are:

• Conforming purchase and refinance.
• VA purchase and refinance.
• Rural Developement 100% purchase.
• Commercial loans.
• Construction loans.
• FHA purchase and refinance.
• Jumbo loans.
• Non-conforming loans.

This is a list of some of the programs I offer.  Refer a friend or family memeber in any state and they to will receeive the discount.

What sets us apart:

• Top knotch customer service.
• Years in the business.
• Hundreds of competitive programs.
• Excellant reputation.

Feel free to contact me with any questions.  I will be in the office all week and available to help get loans closed quickly.

Make it a great week.

Michael Lewers

1-877-457-6199 Ext. 123

Apply online at www.emeryfederal.com/michaellewers

email michael.lewers@emeryfed.com

I am currently seeking new companies (of any type) who's employees may benefit from a $400 discount off closing costs when obtaining a mortgage through me.  If you have any advise of companies I can offer this discount to, please contact me.

I offer the following:   

Programs:

I am able to originate loans in all 50 states.  Programs available are:

• Conforming purchase and refinance.
• VA purchase and refinance.
• Rural Developement 100% purchase.
• Commercial loans.
• Construction loans.
• FHA purchase and refinance.
• Stated income loans.
• Jumbo loans.
• Non-conforming loans.

This is a list of some of the programs I offer.  Refer a friend or family memeber in any state and they to will receeive the discount.

What sets us apart:

• Top knotch customer service.
• Years in the business.
• Hundreds of competitive programs.
• Excellant reputation.

Feel free to contact me with any questions.  I will be in the office all week and available to help get loans closed quickly.

Make it a great week.

Michael Lewers

1-877-457-6199 Ext. 123

Apply online at www.emeryfederal.com/michaellewers

email michael.lewers@emeryfed.com

Hello,

 Many high end homeowners have issues finding a lender that will allow them to borrower between $417.001-20,000,000.  I offer very aggresive programs for borrowers throughout the United States.  In addition to high end home loans, I also offer the following programs:   

Programs:

I am able to originate loans in all 50 states.  Programs available are:

• Conforming purchase and refinance.
• VA purchase and refinance.
• Rural Developement 100% purchase.
• Commercial loans.
• Construction loans.
• FHA purchase and refinance.
• Stated income loans.
• Jumbo loans.
• Non-conforming loans.

This is a list of some of the programs I offer.  Refer a friend or family memeber in any state and they to will receeive the discount.

What sets us apart:

• Top knotch customer service.
• Years in the business.
• Hundreds of competitive programs.
• Excellant reputation.

Feel free to contact me with any questions.  I will be in the office all week and available to help get loans closed quickly.

Make it a great week.

Michael Lewers

1-877-457-6199 Ext. 123

Apply online at www.emeryfederal.com/michaellewers

email michael.lewers@emeryfed.com

ARM, Adjustable Rate Mortgage, Adjustable Rate Loan EDUCATION

DO YOU KNOW OF SOMEONE WHO HAS AN ADJUSTABLE RATE MORTGAGE.  MANY HOMEOWNERS TOOK OUT ADJUSTABLE RATE MORTGAGES OVER THE PAST 5 YEARS OR SO.  A MAJOR PART OF THE NATIONWIDE FORECLOSURE DISASTER HAS BEEN CREATED BY THESE ARMS ADJUSTING AND THE PAYMENTS BECOMING, WELL, LET'S SAY NOT SO AFFORDABLE ANY LONGER.

ADJUSTABLE RATE...  

THERE ARE TIMES WHEN A ARM LOAN IS THE RIGHT TIME FOR A BORROWER.  WHEN WOULD THIS BE:

1. BORROWER WILL ONLY BE IN THE HOME ANOTHER 3-5 YEARS.  PERFECT TIME FOR THEM TO TAKE ADVANTAGE OF A 5 YEAR ARM, THEY WILL HAVE A LOWER PAYMENT ON A HOME THEY ARE NOT GOING TO STAY IN ANYWAY.  BY THE TIME THEY ARE READY TO MOVE, IT WILL BE LONG BEFORE THEIR RATE WAS GOING TO ADJUST.  

2. BORROWER HAS RECENTLY STARTED A NEW CAREER WHERE THEY ARE ASSURED THAT INCOME WILL INCREASE OVER TIME.  THE ARM RATE ALLOWS THEM TO HAVE A LOWER PAYMENT NOW, MAYBE LOCK THEM IN ON A 5-7 YEAR ARM TO GIVE THEM SOME SECURITY UNTIL THAT INCOME GETS BIGGER. 

FEW REASONS

THESE WERE JUST A FEW OF THE REASONS, OR TIMES ARM LOANS BENEFIT BORROWERS.  THERE ARE SOME VERY BAD ADJUSTABLE RATE LOANS OUT THERE, 2 YEAR FIXED , 1 YEAR ADJUSTABLE AND 6 MONTH ARMS TEND TO BE VERY DANGEROUS.  THE MOST DANGEROUS OF ALL IS THE NEGATIVE AMORTIZATION LOAN.  

BOTTOM LINE,

TOTALLY UNDERSTAND WHATEVER PRODUCT IT IS YOU ARE GETTING.  I HAVE 14 YEARS EXPERIENCE.  IF YOU EVER NEED A THIRD PARTY WITH KNOWLEDGE IN THE LENDING BUSINESS TO REVIEW ANY PAPERWORK FOR YOU, I WILL DO IT FREE OF CHARGE.  I LIKE SEEING BORROWERS ACHIEVE A BENEFIT, AND BE IN A PRODUCT THAT IS SECURE FOR THEIR SITUATION. BE SAFE OUT THERE, AND LET ME KNOW IF YOU NEED ANYTHING AT ALL.

ANYONE HAVING APOSITIVE OR NEGATIVE EXPERIENCE WITH A ARM LOAN, GIVE ME A SHOUT ON THE BLOG... I WANT TO HEAR YOUR STORIES.