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refinance: Mortgage Professional with 20 years experience wants to help you! - 09/02/10 12:53 PM
Are you having trouble getting a Conventional, FHA, USDA, or VA mortgage for your customer or for yourself?? Then read what my customers say about me below. I promise great service and no HYPE. If the loan makes sense I have the programs and lenders to get these loans done. Don't spend 2-3 months in underwriting when I can have your deal done in less than 30 days. I still have lenders who will do loans based on common sense and we have inhouse underwriting so we can make decisions fast!  So use a loan officer who has been there and done … (0 comments)

refinance: Why are rates different from lender to lender? - 08/06/10 10:55 AM
This questioned has been asked of me many times.  Why are rates different from lender to lender?  To answer that question we need to understand two pieces of the loan puzzle (volume & pricing). 
VOLUME- Is the loan originator a one man shop or a very large corporation with many different investors?  Our industry thrives on volume and a company who can originate a high loan volume will received preferred pricing.  The one man shop may have 5 different lenders where as a very large mortgage shop (MIC Inc. has 450 loans officers nationally) may have 80-100 mortgage companies that they deal on a … (0 comments)

refinance: We have all FHA products to include the New Refi Plus Program! - 08/05/10 04:48 PM
We have all FHA products to include the New Refi Plus Program! (edit/delete)
That is correct and we are still doing loans!  We have every product available for our customers needs.  Matter of fact - we current have 10+ FHA lenders who specialize in FHA loans, The New Refi Plus loans, Streamlines, & Secure.  Yes, Down Payment Assistance has gone away, but 1st time homeowners can receive up to $10,000 from the State of MN with MHFA.  We still have 100% financing available through the VA and USDA Lenders as well. To get more information please call me or email me … (0 comments)

refinance: We have smoking low mortgage rates (MN & WI) Purchase and Refinance money - 08/05/10 04:38 PM
Smoking Low INTEREST RATES!!!!! (edit/delete)
Here is a quick rate update. I have MHFA at 4.25 with a possibility of 10K in down payment assistance funds for purchase money. To qualify for 4.25% income must be less than 67K yearly. A 5 year arm product currently at 3.25% fixed (APR 4.12%) for the 1st five years and after that it becomes adjustable with a 2/5 cap. For those that plan on selling their home within five years this might be a great product to refinance with. I have listed some of the standard qualifications below.
· Must have 5-20% equity … (0 comments)

refinance: Mortgage Officer who under promises and over delivers! Work with a true professional - 08/05/10 04:30 PM
Do you need a professional loan officer who can get the job done? (edit/delete)
Do you need a professional loan officer who can get the job done?
Are you having trouble getting a Conventional, MHFA, FHA, USDA, or VA mortgage for your customer or for yourself?? Then read what my customers say about me below. I promise great service and no HYPE. If the loan makes sense I have the programs and lenders to get these loans done. Don't spend 2-3 months in underwriting when I can have your deal done in less than 30 days. I still have lenders … (0 comments)

refinance: Do you need a professional loan officer who can get the job done? - 05/18/10 04:51 PM
Do you need a professional loan officer who can get the job done?
Are you having trouble getting a Conventional, MHFA, FHA, USDA, or VA mortgage for your customer or for yourself?? Then read what my customers say about me below. I promise great service and no HYPE. If the loan makes sense I have the programs and lenders to get these loans done. Don't spend 2-3 months in underwriting when I can have your deal done in less than 30 days. I still have lenders who will do loans based on common sense and we have inhouse underwriting so we … (0 comments)

refinance: Smoking Low INTEREST RATES!!!!! - 05/18/10 04:47 PM
Here is a quick rate update. I have MHFA at 3.75 with a possibility of 7K in down payment assistance funds for purchase money 1st time home buyers. To qualify for 3.75% income must be less than 67K yearly.
A 5 year arm product currently at 3.25% fixed (APR 4.11) for the 1st five years and after that it becomes adjustable with a 2/5 cap. For those that plan on selling their home within five years this might be a great product to refinance with. I have listed some of the standard qualifications below.
· Must have 3.5% - 20% equity … (0 comments)

refinance: Best Mortgage Rates - 02/17/10 12:06 PM
Do you want the best mortgage rates AVAILABLE? (edit/delete)
Does your broker or banker have their pulse on the market when it comes to mortgage rates or are they just guessing? You the consumer deserve better! I use Rate Alertsoftware to help my clients predict when to Lock, Float, or what lenders can get the best rate for my client. This tool also keeps me updated on all the latest Wall Street reports and how this will influence MBS (Mortgage Backed Securities). Not only do I get great rates for my clients, but I'm able to keep my clients informed … (0 comments)

refinance: Do you need a professional loan officer who can get the job done? - 02/17/10 12:03 PM
Do you need a professional loan officer who can get the job done?
Are you having trouble getting a Conventional, FHA, USDA, or VA mortgage for your customer or for yourself?? Then read what my customers say about me below. I promise great service and no HYPE. If the loan makes sense I have the programs and lenders to get these loans done. Don't spend 2-3 months in underwriting when I can have your deal done in less than 30 days. I still have lenders who will do loans based on common sense and we have inhouse underwriting so we can … (0 comments)

refinance: You treated us like family - Thank you. - 01/11/09 10:12 AM
January 9, 2009 Phil Olson Senior Mortgage Planner Mortgage Investment Consultants Dear Phil, Beth and I wanted to write you a letter of "thanks" for helping us through our refinance on our house. We appreciated the personal attention you gave us. When the interest rates drop right before the holidays, you took the time out of your busy schedule. You worked around our schedules, came to our house at night and worked step by step with us, answering all our questions, and making the process clear, quick, and no surprises. Working with you was like having family take care of us. … (1 comments)

 
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Phil Olson NMLS 238103

Saint Paul Park, MN

More about me…

American Mortgage & Equity Consultants Inc.

Address: 1058 Hastings Ave, St Paul Park, MN, 55071

Office Phone: (651) 203-6432

Cell Phone: (651) 238-6748

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