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money saving tips: Jesus in the car - 03/21/08 03:17 PM
For those of you who haven't heard the incredible story of the 92 year old woman who repelled a would be attacker with...Jesus. This Good Friday is a good time to remember what Jesus did for you and me.... … (3 comments)

money saving tips: Did you Miss the Boat? It's coming back - 02/28/08 08:40 PM
Monday January 28th; Martin Luther King Jr. Birthday. Financial Markets in America were closed in observance.
Overnight Markets Crash & Burn
London and India’s Financial markets lost 7 & 7.5%. Record losses for both. Had those losses been in American on the Dow Jones Industrial Average we would have had to … (4 comments)

money saving tips: Tax Tips; Mortgage Write offs to Remember - 02/27/08 11:38 AM
Write-offs to Remember Deductions in the Loan Process
Write-offs are the government's way of rewarding taxpayers when they've done something the government likes. And to judge by the write-offs, the government likes it when people borrow money to buy a house. There are write-offs aplenty, many of which people often … (4 comments)

money saving tips: FHA Rates better than Conventional? It's true, by almost .250! - 02/25/08 08:11 PM
I know it sounds hard to belive but I promise it is true. A quick survey of the top commoercial banks and their wholesale rates resulted in FHA Fixed rate mortgages are a better buy for the average consumer with a btter rate by almost .250 better! 
(3 comments)

money saving tips: Five Reasons to Refinance Your Mortgage - 02/25/08 01:08 PM
Five Reasons to Refinance Your Mortgage There is an old adage in the mortgage business that states that if you can improve your interest rate by at least two percentage points, then it is a good time to refinance. While that may work as a general rule of thumb, the … (4 comments)

money saving tips: Can't Afford to Fly? Cheap Alternatives for Internt'l Travel - 02/22/08 07:31 AM
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money saving tips: Why are rates in the Internet Always Lower? - 02/09/08 01:27 PM
Saturday, February 9, 2008
Why are the rates in the Real Estate Section of the newspaper .25 - .50 percent lower?
That is the question I was recently asked by a customer. To him I responded; "that's why we call it the liars section". If you advertise in that section … (4 comments)

money saving tips: When is the best time to lock your loan? TOMORROW! 2/6/08 - 02/05/08 10:55 PM
OK folks, for those of you that know better than the experts...dont read any further. 
For those of you who are looking for some advice on whether or not to Fix your ARM and are looking for guidance; here is my answer; 
NOW!
Tomorrow rates will be signinficantly lower than they have been in … (0 comments)

money saving tips: The Most Important Questions Every Buyer Should Ask - 02/02/08 09:42 PM
LOCATION: The Most Important Questions Every Buyer Should AskIt's a maxim in real estate that the three most crucial factors in selecting a house are "location, location, location." It's also true! No matter how wonderful the house is, the location is key to how well you'll like living in it and … (0 comments)

money saving tips: Historic Fed Move Cuts Both Ways for Borrowers - 01/31/08 09:16 AM
Historic Fed Move Cuts Both Ways for Borrowers
Hot on the heels of its surprise inter-session rate cut of 75 basis points last week, the Federal Reserve cut key interest rates again, the fifth straight cut since September 2007. In its statement last week, the Fed said it had decided … (2 comments)

money saving tips: The Fed cut rates...what next? Mortgage Rates Rise! - 01/30/08 04:24 PM
The Federal Reserve cut interest rates again today by half a point. This follows the three quarter point cut from last week's surprise meeting.
Fed rate cuts do not mean mortgage rate cuts. In fact, following both the first Fed rate cut last September and last week's surprise cut, interest rates increased … (4 comments)

money saving tips: *** WILL YOUR IRS TAX REFUND BE DELAYED? *** - 01/20/08 02:07 PM
*** WILL YOUR REFUND BE DELAYED? ***
The IRS has announced refunds will be delayed until February 11 for customers with one or more of the following credits:
Education credits, Residential energy credits, Mortgage interest credit or DC first-time home buyer credit.
If you use these credits, don't worry, you can still use those … (3 comments)

money saving tips: Clean Up Your Credit or Forget It - 01/18/08 11:30 AM


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money saving tips: Boost Your Savings Account...Without Even Trying - 01/12/08 08:37 AM
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Loan Officer: Raleigh Real Estate Wake County Zero Down (Ricardo Cobos)
Raleigh Real Estate Wake County Zero Down
Raleigh, NC
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Ricardo Cobos

Office Phone: (919) 848-2117 Ext.: 232
Cell Phone: (919) 559-3384
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