Rod Dennis Blog

Home Buyers Seminar. Why Rent When You Can Buy?

Rod Dennis (WJ Bradley Mortgage Capital, LLC) — Mon, 13 May 2013 14:42:13 -0700

Rod Dennis
Mortgage Loan Originator

NMLS# 150049,Licensed: AZ LO0915938, CA-DOC150049

WJ Bradley Mortgage Capital, LLC

Corporate NMLS
ID-81395
Arizona
BK-0903998

| Phone: 480-850-6501
| Fax: 480-212-4976
| Mobile: 480-695-0733
| roddennis@roddennis.com

The Realtor Class Links

Rod Dennis (WJ Bradley Mortgage Capital, LLC) — Wed, 20 Feb 2013 08:55:28 -0800

http://activerain.com/action/referrals/roddennis

Facebook Fan Page:

Here is where you would start you Facebook Fan Page!

https://www.facebook.com/pages/create.php?fref=ts

Install Snagit:

Here is the snagit promo code! Click this link! Select download platform and insert promo code for free access!

http://www.techsmith.com/download/snagit/default.asp

Rod Dennis
Mortgage Loan Originator

NMLS# 150049,Licensed: AZ LO0915938, CA-DOC150049

WJ Bradley Mortgage Capital, LLC

Corporate NMLS
ID-81395
Arizona
BK-0903998

| Phone: 480-850-6501
| Fax: 480-212-4976
| Mobile: 480-695-0733
| roddennis@roddennis.com

WJ Bradley Mortgage, LLC - Rod Dennis Team - Susan Barkwell Bio

Rod Dennis (WJ Bradley Mortgage Capital, LLC) — Fri, 15 Feb 2013 08:28:47 -0800

Susan Barkwell

Operations Manager

(480)850-6500

Susan.Barkwell@WJBradley.com

Susan joined The Rod Dennis Team to provide the role of Team Coordinator. She handles the coordination of many of the team’s functions beginning with a new loan application all the way through the successful close of the loan. She enjoys creating a seamless operation for the team’s clients and her team members.

Susan Barkwell, who received a B.S. degree in Finance from DePaul University, spent 15 years in the futures and options industry in the financial district of Chicago. She has spent the most recent 10 years in the financial planning industry at several firms in both California and Illinois. She enjoys spending time with her family and children along with being actively involved in several philanthropy organizations.

Rod Dennis
Mortgage Loan Originator

NMLS# 150049,Licensed: AZ LO0915938, CA-DOC150049

WJ Bradley Mortgage Capital, LLC

Corporate NMLS
ID-81395
Arizona
BK-0903998

| Phone: 480-850-6501
| Fax: 480-212-4976
| Mobile: 480-695-0733
| roddennis@roddennis.com

WJ Bradley Mortgage, LLC - Rod Dennis Team - Amanda Kaats Bio

Rod Dennis (WJ Bradley Mortgage Capital, LLC) — Fri, 15 Feb 2013 08:28:19 -0800

Amanda Kaats

Processor

(480)850-6500

Amanda.Kaats@WJBradley.com

Originally from a fruit farm in Oregon’s Columbia George, I moved south to attend Northern Arizona University and received a BS degree in advertising. After college I completed real estate school and purchased my first home at the worst possible time. I realized real estate was not my calling but became very interested in the mortgage industry. In January of 2011 I started at WJ Bradley and just over a year later joined the Rod Dennis team. I am a wife and new mother to a beautiful baby girl. Processing loans is like working through a logistics problem. Often people have hurdles to overcome. I am detail oriented, enjoy helping people and invite a challenge.

Rod Dennis
Mortgage Loan Originator

NMLS# 150049,Licensed: AZ LO0915938, CA-DOC150049

WJ Bradley Mortgage Capital, LLC

Corporate NMLS
ID-81395
Arizona
BK-0903998

| Phone: 480-850-6501
| Fax: 480-212-4976
| Mobile: 480-695-0733
| roddennis@roddennis.com

Why Buying Real Estate Can Be A Smart Financial Move

Rod Dennis (WJ Bradley Mortgage Capital, LLC) — Fri, 15 Feb 2013 07:29:45 -0800

Why Buying Real Estate Can Be A Smart Financial Move

FEBRUARY 15, 2013 BY BLOGWRITER LEAVE A COMMENT (EDIT)

Buying Scottsdale real estate doesn’t just give you a place to live; it can also be a very smart financial move.

This is because owning a home can be like having a forced savings account, which you are committed to for the long term.

Consistent Saving On Autopilot

Sometimes saving money on our own each month is difficult. It takes a lot of discipline to maintain a consistent savings plan.

However, paying your mortgage every month means that you are paying down the principal and working toward eventually owning the property outright.

In the early years of the mortgage, the payments will go primarily to the interest on the loan.

But over time, the portion of your payment dedicated to principle increases, which accelerates paying off the entire mortgage.

Make Yourself Wealthy Instead Of Your Landlord

In the long term, owning your own home may be a much better financial arrangement than renting a home. No matter how long you pay monthly rent, you will never own the real estate that you are living in.

When you are renting your home, it may also be possible for your landlord to increase your rent every year.

On the other hand, paying a mortgage on your real estate means that every month you get closer to owning the home.

In fact, most home mortgage lenders offer a fixed interest rate mortgage. This gives you a sense of control over how much you are paying every month, year to year.

In a fixed rate mortgage, every mortgage payment pays down a portion of the principle on your mortgage loan. In many cases this builds equity in your property and increases your net worth.

It’s a good idea to check with a professional mortgage lender to get an idea of the most up-to-date programs available.

Real Estate May Increase In Value Over Time

Over the years, your home might appreciate in value. Many experts say that the average home value increase each year over longer stretches of time, although this will vary according to the area you live in, the current economy and other factors.

Your home’s value may very well fluctuate throughout the years, but history has shown that over the long term, buying a home can be a very beneficial financial decision.

Understanding the benefits of home ownership, including the potential financial upside of purchasing your own home, can be an excellent way to further your overall personal financial plan.

Rod Dennis
Mortgage Loan Originator

NMLS# 150049,Licensed: AZ LO0915938, CA-DOC150049

WJ Bradley Mortgage Capital, LLC

Corporate NMLS
ID-81395
Arizona
BK-0903998

| Phone: 480-850-6501
| Fax: 480-212-4976
| Mobile: 480-695-0733
| roddennis@roddennis.com

WJ Bradley Mortgage, LLC - Rod Dennis Team - Rod Bio

Rod Dennis (WJ Bradley Mortgage Capital, LLC) — Fri, 15 Feb 2013 07:21:48 -0800

Rod Dennis

Senior Loan Officer

(480)695-0733

Rod.Dennis@WJBradley.com

Successful closings, trusting relationships, and a “your best interest” approach to helping others, are why I succeed in the mortgage business. As a leader in the mortgage industry for a lot of years, I have coordinated transactions for thousands of customers, helping them to get into their dream homes, expand their investment portfolios, or increase cash flow through refinancing. In the current economic conditions, it is imperative that businesses maintain the highest integrity when, particularly when finances are involved. I am positioned to assist you with my wealth of experience and expertise. My talents encompass all manner of loan transactions, and I will manage the entire transaction from beginning to end, providing up to date communication support to you along the way. I invite you to connect with me on Linkedin and Facebook to learn more about my philosophy, business ethics and personal life. I look forward to being your trusted mortgage professional to aid you in providing a comprehensive and high-quality experience.

Rod Dennis – Mortgage Loan Originator W.J. Bradley Mortgage Capital, LLC Scottsdale Arizona, shares with partners and clients an extraordinary career as a leader in the mortgage industry. He understands that a home is most people’s largest asset, so he takes the time to communicate all options with buyers to structure a strong wealth portfolio and maximize their investment. His style is upfront and honest, with an unsurpassed level of integrity. Rod has been married to Lynette for 25 years and is the proud father of Kailee and Braydon. When not advocating for his clients, he enjoys staycations with his lovely bride, as well as a good piece of grilled Pacific salmon accompanied by a nice glass of red wine.

Rod Dennis
Mortgage Loan Originator

NMLS# 150049,Licensed: AZ LO0915938, CA-DOC150049

WJ Bradley Mortgage Capital, LLC

Corporate NMLS
ID-81395
Arizona
BK-0903998

| Phone: 480-850-6501
| Fax: 480-212-4976
| Mobile: 480-695-0733
| roddennis@roddennis.com

Over 70% Of US Metro Market Housing Markets Improve In February

Rod Dennis (WJ Bradley Mortgage Capital, LLC) — Thu, 14 Feb 2013 08:45:27 -0800

Over 70% Of US Metro Market Housing Markets Improve In February

FEBRUARY 14, 2013 BY BLOGWRITER LEAVE A COMMENT

The National Association of Homebuilders recently released its Improving Markets Index for the month of February.

The report attempts to identify U.S. metropolitan areas in which the economy is improving, demonstrating “measurable and sustained growth”.

259 U.S. markets are qualified as “improving” this month, a 17-market jump from the month prior and includes participants from all 50 states as well as the District of Columbia.

Experts point to improving market conditions in at least one market in all 50 states as a strong indication that the housing recovery is gaining substantial momentum.

This increasing momentum may suggest that now may be a very good time to purchase a home.

Compared to September 2011, when there were just 12 improving metro market areas, the widespread positive movement indicates how conditions are steadily improving nationwide.

So what qualifies a market as “improving”? The NAHB uses strict criteria.

First, the group gathers data from the three separate, independent sources :

Employment growth from the Bureau of Labor Statistics
Housing price appreciation from Freddie Mac
Single-family housing permits growth from the U.S. Census Bureau.

Next, for each of the above data sets, the National Association of Homebuilders separates for local data in each U.S. major metropolitan area.

And, lastly, armed with data, the NAHB looks for areas in which growth has occurred for all three data points for six consecutive months; and for which the most recent “bottom” is at least six months in the past.

In this way, the Improving Market Index doesn’t just measure housing market strength — it measures general economic strength.

Of the 22 markets added to the Improving Market Index in November, the following cities were included : Chico, California; Columbus, Georgia; Fort Wayne, Indiana; Topeka, Kansas; and Wenatchee, Washington.

Several markets dropped off the list, too, including Champaign, Illinois; Lebanon, Pennsylvania; and Amarillo, Texas.

The complete list of 259 metropolitan areas on February’s IMI, plus breakouts of the metropolitan areas newly added and dropped is available online at http://www.nahb.org/imi.

FILED UNDER: HOUSING ANALYSIS TAGGED WITH: IMI, IMPROVING MARKET INDEX, NAHB

Rod Dennis
Mortgage Loan Originator

NMLS# 150049,Licensed: AZ LO0915938, CA-DOC150049

WJ Bradley Mortgage Capital, LLC

Corporate NMLS
ID-81395
Arizona
BK-0903998

| Phone: 480-850-6501
| Fax: 480-212-4976
| Mobile: 480-695-0733
| roddennis@roddennis.com

Clever Tips for Paying Off Your Home Mortgage Faster

Rod Dennis (WJ Bradley Mortgage Capital, LLC) — Tue, 12 Feb 2013 12:31:53 -0800

Clever Tips for Paying Off Your Home Mortgage Faster

FEBRUARY 12, 2013 BY BLOGWRITER LEAVE A COMMENT

Paying off the mortgage on your Carefree home faster not only means that you’ll be able to enjoy the peace of mind that comes with completely owning your property earlier, but you may also save thousands of dollars in interest payments.

Below are seven clever tips to help you get your mortgage payments on the fast track.

1. Save for a large down payment

Pay as large a down payment as you can reasonably afford. The more you can put down, then the less you’ll have to borrow from the bank.

2. Read the fine print

When you are choosing a mortgage, look at the fine print to find out if any restrictions apply to paying early. Some lenders will charge you for making extra or early payments.

3. Prepay early in the life of the mortgage

This is when the loan is the most interest-heavy. In the first five to seven years you are likely paying mostly interest. Request an amortization schedule of your mortgage to get a clear picture of how this works.

4. Be smart with unforeseen fortune

If you get an unexpected chunk of cash, such as a gift, prize, work bonus, inheritance, tax refund or other windfall, consider applying it straight to paying down the principal on your mortgage.

5. Double-check your records

When you make extra payments, ensure that they are processed correctly. Sometimes when the lender receives a payment that is outside of the monthly cycle, they may not know what to do with it. Make a special note and keep track of the payments yourself, so you can make sure they’ve been applied to your principal.

6. Increase your payment

Even increasing your payment by a small amount every month may take years off the length of your mortgage. Consider how much you can afford to pay every month rather than just the minimum payment amount.

7. Think about a bi-weekly payment

You might want to switch to an accelerated bi-weekly mortgage payment rather than a monthly payment. This typically applies an extra payment each year.

These are just a few techniques you can use to pay off your mortgage faster.

Remember, the quicker you pay off your mortgage, the less interest you will be paying.

FILED UNDER: PERSONAL FINANCE TAGGED WITH: BUDGET, FINANCIAL PLANNING, HOME OWNERSHIP

Rod Dennis
Mortgage Loan Originator

NMLS# 150049,Licensed: AZ LO0915938, CA-DOC150049

WJ Bradley Mortgage Capital, LLC

Corporate NMLS
ID-81395
Arizona
BK-0903998

| Phone: 480-850-6501
| Fax: 480-212-4976
| Mobile: 480-695-0733
| roddennis@roddennis.com

What’s Ahead For Mortgage Rates This Week: February 11th, 2013

Rod Dennis (WJ Bradley Mortgage Capital, LLC) — Mon, 11 Feb 2013 08:33:49 -0800

What’s Ahead For Mortgage Rates This Week: February 11th, 2013

FEBRUARY 11, 2013 BY BLOGWRITER LEAVE A COMMENT

Mortgage rates worsened last week in response to more indications that the U.S. economy and global economic trends are improving. Global economic data was stronger than expected; which generally boosts investor confidence and leads to higher mortgage rates in AZ and across the country.

According to Freddie Mac, the average rate for a 30-year fixed rate mortgage was 3.53 percent with borrowers paying all of their closing costs and 0.8 percent in discount points along with a full complement of closing costs.

The U.S Department of Commerce reported that Factory Orders for December improved over November; they rose from 0.0 percent in November to 1.89 percent in December, but fell short of Wall Street’s expectation of 2.5 percent.

The ISM Services Index for January was released Tuesday and fell to 55.2 from December’s reading of 56.1 and was slightly higher than against investors’ expectations of 55.0. Readings above 50 indicate expansion of the service sector of the economy. The ISM Services Index is also an indicator of future inflationary pressure.

Homebuilders Say Markets Improve For 6th Consecutive Month

On Wednesday, the National Association of Home Builders (NAHB) released its NAHB/First American Improving Markets Index (IMI), which provided good news for housing markets in all 50 states and Washington, D. C. Metro housing markets surveyed showed expansion of improving markets for the sixth consecutive month.

259 of the 361 metro areas surveyed in the IMI showed improvement in February. By comparison, only 12 improving metro markets were reported for September of 2011.

Increasing home prices and mortgage rates suggest that now may be the time for buying a home.

The weekly Jobless Claims report released on Thursday indicated that 366,000 new claims were filed, which was higher than Wall Street’s estimate of 360,000 new jobless claims, but lower than the previous week’s 368,000 new jobless claims.

Falling U.S. Trade Deficit Signals Economic Uptick

The best economic news for last week came on Friday, when the U.S. trade deficit fell to its lowest level since January 2010. The Trade Balance Report for December shows the trade deficit at -$38.5 billion against expectations of -$46 billion and November’s deficit of -$48.7 billion. While a great boost for the economy, this is another indicator that recent low mortgage rates and home prices may soon become history.

Economic News scheduled for this upcoming week includes U.S. Treasury Auctions set for Tuesday, Wednesday and Thursday.

Retail Sales for January will be released on Wednesday and watched closely by investors. Retail sales account for approximately 70 percent of the U.S. economy and are viewed as a strong indicator of the economy’s direction.

Jobless Claims on Thursday, Industrial Production and Consumer Sentiment on Friday round out the week’s economic reports.

Rod Dennis
Mortgage Loan Originator

NMLS# 150049,Licensed: AZ LO0915938, CA-DOC150049

WJ Bradley Mortgage Capital, LLC

Corporate NMLS
ID-81395
Arizona
BK-0903998

| Phone: 480-850-6501
| Fax: 480-212-4976
| Mobile: 480-695-0733
| roddennis@roddennis.com

It is out!!!!!!!! Case-Shiller Index - Nice Gains

Rod Dennis (WJ Bradley Mortgage Capital, LLC) — Thu, 07 Feb 2013 07:55:01 -0800

Case-Shiller Index Shows Near 6% Home Price Gain

FEBRUARY 7, 2013 BY BLOGWRITER LEAVE A COMMENT

Home prices continue their upward climb.

Last week, the S&P/Case-Shiller Index showed home prices gaining 5.5 percent during the 12-month period ending November 2012, marking the largest one-year gain in home prices since May 2010.

The Case-Shiller Index measures changes in home prices by tracking same-home sales throughout 20 housing markets nationwide; and the change in sales price from sale-to-sale.

Detached, single-family residences are used in the Case-Shiller Index methodology and data is for closed purchase transactions only.

Between November 2011 and November 2012, home values rose in 19 of the 20 Case-Shiller Index markets, with previously-hard hit areas such as Phoenix, Arizona leading the national price recovery.

The Phoenix market gained 1.4% for the month and was up 22.8% for the previous 12 months combined.

The top three monthly “gainers” for November 2012 were:

Phoenix, Arizona : +1.4 percent
San Francisco, California : +1.4 percent
Minneapolis, Minnesota : +1.0 Percent

Only New York City posted annual home value depreciation. On average, homes lost -1.2% in value there.

It should be noted, however, that the Case-Shiller Index is an imperfect gauge of home values.

First, as mentioned, the index tracks changes in the detached, single-family housing market only. It specifically ignores sales of condominiums, co-ops and multi-unit homes.

Second, the Case-Shiller Index data set is limited to just 20 U.S. cities. There are more than 3,000 cities nationwide, which illustrates that the Case-Shiller sample set is limited.

And, lastly, the home sale price data used for the Case-Shiller Index is nearly two months behind its release date, rendering its conclusions somewhat out-of-date.

That said, the Case-Shiller Index joins the bevy of home value trackers pointing to home price growth over the last year. The Federal Housing Finance Agency (FHFA), for example, reported similar home price growth with its November 2012 House Price Index (HPI).

Home values rose 0.6 percent between October and November 2012 nationwide, the FHFA said, and climbed 5.6 percent during the 12 months ending November 2012.

Economists attribute increasing home prices to higher buyer demand, record-low mortgage rates and the gradual improvement of the U.S. economy.

Rod Dennis
Mortgage Loan Originator

NMLS# 150049,Licensed: AZ LO0915938, CA-DOC150049

WJ Bradley Mortgage Capital, LLC

Corporate NMLS
ID-81395
Arizona
BK-0903998

| Phone: 480-850-6501
| Fax: 480-212-4976
| Mobile: 480-695-0733
| roddennis@roddennis.com

Tax Breaks Granted By The 2012 Fiscal Cliff Negotiations

Rod Dennis (WJ Bradley Mortgage Capital, LLC) — Wed, 06 Feb 2013 07:27:22 -0800

Tax Breaks Granted By The 2012 Fiscal Cliff Negotiations

FEBRUARY 6, 2013 BY BLOGWRITER LEAVE A COMMENT

There was plenty of discussion and debate leading up to the New Year’s looming “fiscal cliff”. Ultimately, the event was avoided, but not before legislation was passed which may benefit homeowners in Phoenix and nationwide.

If you have yet to file your 2012 taxes, take a minute to review the tax limitations and credit extensions, which Congress passed through the HR 8 legislation. You’ll want to ensure you’re paying the proper tax bill come April 15.

Of course, every individual’s tax situation is unique. Review your allowable deductions and credits with your tax preparer.

Energy Updates
The tax credit for homeowners to receive a ten percent deduction, up to $500, for energy efficient improvements to homes is extended for 2013.

Estate Tax
Individual estates valued at up to five million dollars and family estates valued at up to ten million are now exempt from estate tax. After those cutoffs, the rate is 40 percent, which is up from 35 percent.

Mortgage Forgiveness Debt Relief Act
This act was also extended through 2013. It means that debt reduced through mortgage restructuring or debt forgiven in the case of a foreclosure may not be taxable.

Mortgage Insurance Premiums
This deduction for those making under $110,000 is extended through 2013. This deduction is also available retroactive for 2012. Mortgage insurance premiums paid as part of a conventional or FHA mortgage are eligible, as are premiums paid to the USDA.

Pease Limitations
These limitations that reduced the value of itemized deductions are permanently repealed for most taxpayers. However, they will be re-instituted for individuals making over $250,000, and for married couples making over $300,000 and filing jointly.

As a homeowner, you get access to special tax breaks which are unavailable to renters throughout AZ and the country. Don’t leave tax dollars on the table. Speak with your accountant to see what claims you may make.

The deadline for filing 2012 federal tax returns is Monday, April 15, 2013.

FILED UNDER: TAXES TAGGED WITH: APRIL 15, FISCAL CLIFF, TAXES

Rod Dennis
Mortgage Loan Originator

NMLS# 150049,Licensed: AZ LO0915938, CA-DOC150049

WJ Bradley Mortgage Capital, LLC

Corporate NMLS
ID-81395
Arizona
BK-0903998

| Phone: 480-850-6501
| Fax: 480-212-4976
| Mobile: 480-695-0733
| roddennis@roddennis.com

6 Tips For Buying An Older Home

Rod Dennis (WJ Bradley Mortgage Capital, LLC) — Tue, 05 Feb 2013 07:53:00 -0800

6 Tips For Buying An Older Home

FEBRUARY 5, 2013 BY BLOGWRITER LEAVE A COMMENT

Older Scottsdale homes sometimes offer more charm and character than the newer houses of today. They boast gabled roofs, crown moldings, hardwood floors and antique fixtures.

Buying an old house is like buying a piece of local history. Its beautiful period features can give it a timeless beauty and grace that is hard to resist.

However, buying a house from another era can be an endeavor fraught with potential problems. Older houses are not necessarily built to the same electrical or plumbing standards of today. Plus, if they have not been maintained correctly through the years, they can turn into a serious money pit or a potential hazard.

Here are six tips to keep in mind if you are considering buying an older home:

Always hire a professional real estate inspector to take a close look at the property. A professional inspector is trained to spot structural damage or issues that might seem minor, but may cause major problems in the future.
Look for signs of moisture damage. Many old houses have problems with moisture because over the years they have settled.
If the old house you are considering has vintage wiring, such as the knob-and-tube technology that was popular around the 1920s and 1930s, plan to completely update the wiring for your safety.
You might need to add insulation. Many older homes don’t have insulation in the walls or attic, which can increase the size of your energy bill.
Be on the look out for iron pipes, which were popular up until 1940. They can become clogged with rust and may need to be replaced.
Have the house tested for asbestos, if it was built before the 1960s.

These are just a few things to which to pay attention out when buying an older home.

Take time to inspect the property thoroughly. With proper attention, you can mix today’s modern technology with your home’s period features to create a combination of charm and safety.

Rod Dennis
Mortgage Loan Originator

NMLS# 150049,Licensed: AZ LO0915938, CA-DOC150049

WJ Bradley Mortgage Capital, LLC

Corporate NMLS
ID-81395
Arizona
BK-0903998

| Phone: 480-850-6501
| Fax: 480-212-4976
| Mobile: 480-695-0733
| roddennis@roddennis.com

What’s Ahead For Mortgage Rates This Week : February 4, 2012

Rod Dennis (WJ Bradley Mortgage Capital, LLC) — Mon, 04 Feb 2013 10:31:58 -0800

What’s Ahead For Mortgage Rates This Week : February 4, 2012

FEBRUARY 4, 2013 BY BLOGWRITER LEAVE A COMMENT

Mortgage rates worsened last week amid evidence of an improving economy. Conforming mortgage rates climbed in AZ and nationwide, rising to a 4-month high.

Freddie Mac has the average 30-year fixed rate mortgage rate at 3.53% for borrowers willing to pay 0.7 discount points plus a full set of closing costs.

There was plenty of news on which for rates to move last week.

First, the Federal Open Market Committee (FOMC) met and voted to hold the Fed Funds Rate in its current target range near 0.00 percent. The Fed also recommitted to purchasing mortgage-backed securities (MBS) and Treasury securities on the open market until such time as the national Unemployment Rate reaches 6.5%, or until inflation rates rise.

Then, Friday, it was shown in the Non-Farm Payrolls report that the national jobless rate had climbed to 7.9 percent, a statistic Wall Street pinned to Hurricane Sandy. In addition, it was shown that 157,000 net new jobs were added to the U.S. economy in January.

This was a slight improvement from the month prior’s revised figures, and marked the 27th consecutive month of U.S. job growth.

Also last week, the National Association of REALTORS® reported the December Pending Home Sales Index to be lower than expected; largely the result of shortages of available homes in many areas.

In addition, Durable Orders for December were more than twice what investors expected; a further indication of a strengthening U.S. economy.

Lastly, the ISM Index for January surpassed Wall Street’s expectations. This manufacturing index is considered an indicator of future inflationary trends. An upward trend in this index suggests rising mortgage rates. While current mortgage rates remain relatively low, they can be expected to continue rising as the economy improves.

This upcoming week will be quieter with fewer economic series scheduled for release. Factory Orders for December will be announced, as will the ISM Services Index and Jobless Claims. Mortgage rates may continue to rise.

Rod Dennis
Mortgage Loan Originator

NMLS# 150049,Licensed: AZ LO0915938, CA-DOC150049

WJ Bradley Mortgage Capital, LLC

Corporate NMLS
ID-81395
Arizona
BK-0903998

| Phone: 480-850-6501
| Fax: 480-212-4976
| Mobile: 480-695-0733
| roddennis@roddennis.com

SUPER BOWL APPEARANCES VS. REAL ESTATE PRICES

Rod Dennis (WJ Bradley Mortgage Capital, LLC) — Thu, 31 Jan 2013 08:56:23 -0800

Super Bowl Appearances vs. Real Estate Prices

Rod Dennis
Mortgage Loan Originator

NMLS# 150049,Licensed: AZ LO0915938, CA-DOC150049

WJ Bradley Mortgage Capital, LLC

Corporate NMLS
ID-81395
Arizona
BK-0903998

| Phone: 480-850-6501
| Fax: 480-212-4976
| Mobile: 480-695-0733
| roddennis@roddennis.com

Harp Just Got Better- HARP Product Revisions / Refinance Guidelines

Rod Dennis (WJ Bradley Mortgage Capital, LLC) — Fri, 04 Jan 2013 07:46:57 -0800

Product Revisions Posted to HARP Refinance Guidelines

As highlighted below, product revisions have been posted to HARP Refinance Guidelines.

DU Refinance Plus and Freddie Open Access

FNMA and FHLMC have announced that loan limits have remained unchanged for 2013.

Cash Reserve Section: Information has been added to clarify what defines a large deposit. Large deposits are defined as a single deposit that exceeds 25% of the total monthly qualifying income for the loan.

Credit Section: Information has been added regarding a new requirement for loans with LTVs greater than 125%. The revision states that the mortgage payment history must be 0x30 for last 24 months.

Employment Tax Validation Section: Information has been added regarding taxpayer theft and borrowers not required to file tax returns.

Hardest Hit Fund Section: Information has been added regarding Arizona eligibility. These changes can be viewed at: www.azhousing.gov.
NOTE: Nevada has run out of funds to continue this program.

Income Section: Information has been added regarding additional income types, as well as documentation requirements.

Ratio Section: In order to maintain the credit quality of our servicing portfolio for the HARP Refinance Program, WJB is implementing overlays to the maximum DTI allowed.
The revisions are as follows:

Primary residence: 55%

Second home: 50%

Investment property using subject rental income to qualify: 45%

Investment property not using subject rental income to qualify: 50%

Verbal VOE Section: Information has been revised regarding the requirements surrounding self-employed borrowers:

The borrower’s business must be verified by a third party, such as a CPA, regulatory agency or the applicable licensing bureau, if possible.

The borrower’s business may also be verified via a phone listing and address for the business using a telephone book, the internet or directory assistance.

Rod Dennis
Mortgage Loan Originator

NMLS# 150049,Licensed: AZ LO0915938, CA-DOC150049

WJ Bradley Mortgage Capital, LLC

Corporate NMLS
ID-81395
Arizona
BK-0903998

| Phone: 480-850-6501
| Fax: 480-212-4976
| Mobile: 480-695-0733
| roddennis@roddennis.com

Why are so many people refinancing into a 20 year loan?

Rod Dennis (WJ Bradley Mortgage Capital, LLC) — Tue, 18 Dec 2012 10:03:26 -0800

The 30-year fixed-rate mortgage has been the mainstay of residential financing and continues to be the most popular loan product. But its 20-year sister has grown enormously popular in the last year alone -- especially among refinancers. According to the Mortgage Bankers Association, the 20-year fixed is the third most popular mortgage product, after the 30- and 15-year fixed.

What makes the 20-year fixed so attractive? It strikes the right balance for many:

The rate is right. Interest rates for 20-year mortgages are generally lower than interest rates for 30-year loans.
Payments are reasonable. While your monthly payments are likely to rise if you refinance from a 30-year loan to a 20-year, today's rock-bottom rates have made shorter-term home loans much more affordable. You may be surprised at how little your payment rises.
Accelerating payments is still possible. Love the 15-year rates but leery of the commitment demanded by a 15-year loan? A 20-year fixed could get you part of the way there -- and you can still make extra payments as your budget allows to pay down your principal.

Get a Quote Today!

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Rod Dennis
Mortgage Loan Originator

NMLS# 150049,Licensed: AZ LO0915938, CA-DOC150049

WJ Bradley Mortgage Capital, LLC

Corporate NMLS
ID-81395
Arizona
BK-0903998

| Phone: 480-850-6501
| Fax: 480-212-4976
| Mobile: 480-695-0733
| roddennis@roddennis.com

The Federal Reserve Begins A 2-Day Meeting Today

Rod Dennis (WJ Bradley Mortgage Capital, LLC) — Tue, 11 Dec 2012 14:37:55 -0800

The Federal Open Market Committee (FOMC) begins a 2-day meeting today, its last of 8 scheduled meetings this year.

The Federal Open Market Committee is a 12-person subcommittee within the Federal Reserve. It’s the group which votes upon U.S. monetary policy.

The monetary policy action for which the FOMC is most well-known is its setting of the Fed Funds Funds. The Fed Funds Rate is the interest rate at which banks borrow money from each other overnight.

Since late-2008, the Fed Funds Rate has been near zero percent.

Prime Rate, a business and consumer interest rate used in lines of credit and credit card rates, is based on the Fed Funds Rate. Prime Rate has been similarly unchanged since 2008.

One rate which the Federal Reserve does not set is the 30-year fixed rate mortgage (FRM) rate.

Like all other mortgage rates, the 30-year FRM is based on the market value of mortgage-backed bonds; securities bought and sold by investors.

There is no correlation between the Federal Reserve’s Fed Funds Rate and the everyday homeowner’s 30-year fixed rate mortgage rate. Some months, the two rates converge. Other months, they diverge. Since 2000, they’ve been separated by as many as 5.29 percentage points.

They’ve been as close as 0.52 percentage points.

However, although the Federal Reserve does not set U.S. mortgage rates, that doesn’t mean that it can’t influence them. The Fed’s post-meeting press release has been known to make mortgage rates get volatile.

If, in its post-meeting press release, the Fed notes that the U.S. economy is slowing and that new economic stimulus is warranted, mortgage rates will likely fall throughout AZ. This is because additional Fed stimulus would likely lend support to U.S. mortgage markets which would, in turn, boost demand for mortgage-backed bonds.

Conversely, if the Fed acknowledges stronger-than-expected growth in the U.S. economy and no need for new stimulus, mortgage rates are expected to rise.

Either way, mortgage rates will change Wednesday upon the FOMC’s adjournment — we just don’t know in which direction. Rate shoppers may see fluctuations of as much as 0.250 percent.

Rod Dennis
Mortgage Loan Originator

NMLS# 150049,Licensed: AZ LO0915938, CA-DOC150049

WJ Bradley Mortgage Capital, LLC

Corporate NMLS
ID-81395
Arizona
BK-0903998

| Phone: 480-850-6501
| Fax: 480-212-4976
| Mobile: 480-695-0733
| roddennis@roddennis.com

Great Social Media Event Feedback!

Rod Dennis (WJ Bradley Mortgage Capital, LLC) — Fri, 30 Nov 2012 13:09:42 -0800

We had an amazing day with Social Media Consultant & Manager Scot Moses at Social Media 360. Scot put on an exceptional event for our Rod Dennis Team at WJ Bradley Mortgage. Scot lead 24 realtors in aquiring the skills needed in todays social media world. The event was scheduled to last from 10am - 12pm, however everyone found Scots information so useful that the class ended up extending until 1pm, in which Scot generously continued to oblige all questions. If anyone ever needs to create or revamp their social media, contact Social Media Consultant & Manager Scot Moses at Social Media 360.

Rod Dennis
Mortgage Loan Originator

NMLS# 150049,Licensed: AZ LO0915938, CA-DOC150049

WJ Bradley Mortgage Capital, LLC

Corporate NMLS
ID-81395
Arizona
BK-0903998

| Phone: 480-850-6501
| Fax: 480-212-4976
| Mobile: 480-695-0733
| roddennis@roddennis.com

What do you think about getting rid of the $1 Bill?

Rod Dennis (WJ Bradley Mortgage Capital, LLC) — Fri, 30 Nov 2012 12:41:29 -0800

Congress looks at doing away with the $1 bill

By KEVIN FREKING | Associated Press – 3 hrs ago

WASHINGTON (AP) — American consumers have shown about as much appetite for the $1 coin as kids do their spinach. They may not know what's best for them either. Congressional auditors say doing away with dollar bills entirely and replacing them with dollar coins could save taxpayers some $4.4 billion over the next 30 years.

Vending machine operators have long championed the use of $1 coins because they don't jam the machines, cutting down on repair costs and lost sales. But most people don't seem to like carrying them. In the past five years, the U.S. Mint has produced 2.4 billion Presidential $1 coins. Most are stored by the Federal Reserve, and production was suspended about a year ago.

The latest projection from the Government Accountability Office on the potential savings from switching to dollar coins entirely comes as lawmakers begin exploring new ways for the government to save money by changing the money itself.

The Mint is preparing a report for Congress showing how changes in the metal content of coins could save money.

The last time the government made major metallurgical changes in U.S. coins was nearly 50 years ago when Congress directed the Mint to remove silver from dimes and quarters and to reduce its content in half dollar coins. Now, Congress is looking at new changes in response to rising prices for copper and nickel.

At a House subcommittee hearing Thursday, the focus was on two approaches:

—Moving to less expensive combinations of metals like steel, aluminum and zinc.

—Gradually taking dollar bills out the economy and replacing them with coins.

The GAO's Lorelei St. James told the House Financial Services panel it would take several years for the benefits of switching from paper bills to dollar coins to catch up with the cost of making the change. Equipment would have to be bought or overhauled and more coins would have to be produced upfront to replace bills as they are taken out of circulation.

But over the years, the savings would begin to accrue, she said, largely because a $1 coin could stay in circulation for 30 years while paper bills have to be replaced every four or five years on average.

"We continue to believe that replacing the note with a coin is likely to provide a financial benefit to the government," said St. James, who added that such a change would work only if the note was completely eliminated and the public educated about the benefits of the switch.

Even the $1 coin's most ardent supporters recognize that they haven't been popular. Philip Diehl, former director of the Mint, said there was a huge demand for the Sacagawea dollar coin when production began in 2001, but as time wore on, people stayed with what they knew best.

"We've never bitten the bullet to remove the $1 bill as every other Western economy has done," Diehl said. "If you did, it would have the same success the Canadians have had."

Beverly Lepine, chief operating officer of the Royal Canadian Mint, said her country loves its "Loonie," the nickname for the $1 coin that includes an image of a loon on the back. The switch went over so well that the country also went to a $2 coin called the "Toonie."

Rep. Bill Huizenga, R-Mich., affirmed that Canadians have embraced their dollar coins. "I don't know anyone who would go back to the $1 and $2 bills," he said.

That sentiment was not shared by some of his fellow subcommittee members when it comes to the U.S. version.

Rep. Lacy Clay, D-Mo., said men don't like carrying a bunch of coins around in their pocket or in their suits. And Rep. Carolyn Maloney, D-N.Y., said the $1 coins have proved too hard to distinguish from quarters.

"If the people don't want it and they don't want to use it," she said, "why in the world are we even talking about changing it?"

"It's really a matter of just getting used to it," said Diehl, the former Mint director.

Several lawmakers were more intrigued with the idea of using different metal combinations in producing coins.

Rep. Steve Stivers, R-Ohio, said a penny costs more than 2 cents to make and a nickel costs more than 11 cents to make. Moving to multiplated steel for coins would save the government nearly $200 million a year, he said.

The Mint's report, which is due in mid-December, will detail the results of nearly 18 months of work exploring a variety of new metal compositions and evaluating test coins for attributes as hardness, resistance to wear, availability of raw materials and costs.

Richard Peterson, the Mint's acting director, declined to give lawmakers a summary of what will be in the report, but he said "several promising alternatives" were found.

Rod Dennis
Mortgage Loan Originator

NMLS# 150049,Licensed: AZ LO0915938, CA-DOC150049

WJ Bradley Mortgage Capital, LLC

Corporate NMLS
ID-81395
Arizona
BK-0903998

| Phone: 480-850-6501
| Fax: 480-212-4976
| Mobile: 480-695-0733
| roddennis@roddennis.com

Pending Home Sales Index Leaps To Multi-Year High

Rod Dennis (WJ Bradley Mortgage Capital, LLC) — Fri, 30 Nov 2012 12:35:25 -0800

Pending Home Sales Index Leaps To Multi-Year High

NOVEMBER 30, 2012 BY BLOGWRITER LEAVE A COMMENT

Homes were sold at a furious pace last month.

According the National Association of REALTORS® (NAR), the Pending Home Sales Index rose 5.2 percent in October, crossing the benchmark 100 reading, andmoving to 104.8.

It’s a 5-point improvement from September’s revised figure and the highest reading April 2010 — the last month of that year’s federal home buyer tax credit.

October also marks the 18th consecutive month during which the index showed year-to-year gains.

As a housing market metric, the Pending Home Sales Index (PHSI) differs from most commonly-cited housing statistics because, instead of reporting on what’s already occurred, it details what’s likely to happen next.

The PHSI is a forward-looking indicator; a predictor of future sales. It’s based on signed real estate contracts for existing single-family homes, condominiums, and co-ops. Later, when the contract leads to a closing, the “pending” home sale is counted in NAR’s monthly Existing Home Sales report.

Historically, 80 percent of homes under contract, and thus counted in the Pending Home Sales Index, will go to settlement within a 2-month period, and a significant share of the rest will close within months 3 and 4. The PHSI is a predictor of Existing Home Sales.

Regionally, the Pending Home Sales Index varied in October 2012 :

Northeast Region : 79.2; +13 percent from October 2011
Midwest Region : 104.4; +20 percent from October 2011
South Region : 117.3; +17 percent from October 2011
West Region : 105.7; +1 percent from October 2011

A Pending Home Sales Index reading of 100 or higher denotes a “strong” housing market.

Of course, with rising home sales comes rising home values. 2012 has been characterized by strong buyer demand amid falling housing supplies. It’s one reason why the Case-Shiller Index and the FHFA’s Home Price Index are both showing an annual increase in home prices. Plus, with mortgage rates low as we head into December, the traditional “slow season” for housing has been anything but.

The housing market in Scottsdale is poised to end 2012 with strength. 2013 is expected to begin the same way.

Rod Dennis
Mortgage Loan Originator

NMLS# 150049,Licensed: AZ LO0915938, CA-DOC150049

WJ Bradley Mortgage Capital, LLC

Corporate NMLS
ID-81395
Arizona
BK-0903998

| Phone: 480-850-6501
| Fax: 480-212-4976
| Mobile: 480-695-0733
| roddennis@roddennis.com

Home Values in Arizona 2012.......UP.UP.UP

Rod Dennis (WJ Bradley Mortgage Capital, LLC) — Wed, 28 Nov 2012 09:03:37 -0800

Case-Shiller Index Verifies Home Value Gains Through Q3 2012

NOVEMBER 28, 2012 BY BLOGWRITER LEAVE A COMMENT

The housing market continues to expand.

According to the S&P/Case-Shiller Index, which was released earlier this week, U.S. home prices rose in September for the sixth straight month, climbing 0.3% as compared to the month prior.

On an annual basis, values are higher by 3.0%.

The Case-Shiller Index findings are a composite reading of 20 U.S cities, 17 of which showed home price gains in September. Detroit and Washington D.C. showed slight declines, and New York City showed no change.

Leading the recovery, though, appears to be Phoenix, Arizona. The previously hard-hit city has seen home values gain 20.4% over the last 12 months. Also noteworthy is that Atlanta, Georgia reversed 26 consecutive months of home value declines in September, posting a +0.1% annual growth rate.

Average U.S. home prices have climbed back to mid-2003 levels.

On a month-over-month basis, value change by city varied. San Diego, California and Las Vegas, Nevada both posted gains of 1.4 percent from August, leading the Case-Shiller Index’s 20 tracked cities. Minneapolis, Minnesota and Phoenix showed gains of 1.1 percent.

Los Angeles, California rounded out the Top Five, posting a 1% gain month-over-month.

Despite the index’s strong findings, however, we should remember to temper our expectations. The Case-Shiller Index — like most home value trackers — is wildly flawed. Buyers in Phoenix should follow its gospel with caution.

Here’s why.

First, the Case-Shiller Index tracks values for single-family homes only. As a result, it doesn’t account for multi-unit homes or for condos and co-ops. This is a big deal in cities such as Chicago and New York where high-rise units are common.

Another flaw in the Case-Shiller Index is that it’s 60 days delayed. It’s nearly December yet we’re still reviewing data from September. In housing market terms, September was a different market. Real-time data trumps data from last season.

That said, the long-term trends as shown by the Case-Shiller Index, are overwhelmingly positive. As a Case-Shiller Index spokesperson remarked, “It is safe to say we are now in the midst of a recovery in the housing market.”

www.RodDennis.com

www.facebook.com/MortgageArizona

Rod Dennis
Mortgage Loan Originator

NMLS# 150049,Licensed: AZ LO0915938, CA-DOC150049

WJ Bradley Mortgage Capital, LLC

Corporate NMLS
ID-81395
Arizona
BK-0903998

| Phone: 480-850-6501
| Fax: 480-212-4976
| Mobile: 480-695-0733
| roddennis@roddennis.com

What housing has been doing for the last two years!

Rod Dennis (WJ Bradley Mortgage Capital, LLC) — Mon, 26 Nov 2012 14:01:05 -0800

More Bullish Data : Housing Starts Climb 3.6%

NOVEMBER 23, 2012 BY BLOGWRITER LEAVE A COMMENT

According to a joint release from the U.S. Census Bureau and the Department of Housing and Urban Development,Housing Starts rose 3.6% in October 2012, climbing to a seasonally-adjusted, annualized rate of 894,000 units.

A “housing start” is a new home on which construction has started and the report gives buyers and sellers across AZ yet one more reason to be optimistic for the 2013 housing market.

Regionally, Housing Starts varied.

The West and Midwest Regions posted gains between September and October 2012; and, the South and Northeast Regions posted declines. The latter was affected by the effects of Hurricane Sandy.

West Region : +17.2% from the month prior
Midwest Region : +8.9% from the month prior
South Region : -2.5% from the month prior
Northeast Region : -6.5% from the month prior

Single-family housing starts — starts for homes not considered multi-unit properties or to be apartment buildings — was mostly unchanged, slipping 1,000 units on a seasonally-adjusted annualized basis.

The Housing Starts data is the third housing-related release this week that hints at a strong start for the 2013 housing market.

Early in the week, the National Association of Homebuilders released its Housing Market Index (HMI), a measure of home builder confidence in the new construction market. The HMI posted 46 — the highest reading since 2006. With mortgage rates low and buyer traffic high, builders are expecting a rash of sales between now and the New Year, and an elevated number of closing over the next six months, in general.

The HMI is scored on a scale of 1-100. One year ago, it read 19.

Then, the National Association of REALTORS® showed Existing Home Sales climbing 2.1% and home supply fell to a multi-year low. At the current sales pace, the entire U.S. home inventory would be sold in just 5.4 months. Analysts believe that a home supply of less than 6.0 months favors home sellers.

In unison, these three housing market reports suggest a sustained, national housing market recovery. Home prices are expected to rise into next year’s housing market.

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http://www.roddennis.com/

Rod Dennis
Mortgage Loan Originator

NMLS# 150049,Licensed: AZ LO0915938, CA-DOC150049

WJ Bradley Mortgage Capital, LLC

Corporate NMLS
ID-81395
Arizona
BK-0903998

| Phone: 480-850-6501
| Fax: 480-212-4976
| Mobile: 480-695-0733
| roddennis@roddennis.com

Bank Repossessions Slip For 24th Consecutive Month

Rod Dennis (WJ Bradley Mortgage Capital, LLC) — Mon, 19 Nov 2012 07:31:29 -0800

Bank Repossessions Slip For 24th Consecutive Month

NOVEMBER 16, 2012 BY BLOGWRITER LEAVE A COMMENT

According to data from RealtyTrac, a national foreclosure-tracking firm, the number of foreclosure filings increased 3 percent in October as compared to September 2012, climbing to 186,455 U.S. properties.

RealtyTrac defines a “foreclosure filing” as any foreclosure-related action including a Notice of Default, a Scheduled Auction, or a Bank Repossession. On average, 1 in every 706 U.S. homes had a foreclosure filing during the month of October.

For the 24th consecutive month, the number of bank repossessions fell, down less than 1% from the previous month and down 21% from October 2011. Bank repossessions dropped in 37 states, plus the District of Columbia, indicating that banks are seeking alternatives to foreclosure.

Distressed home sales, which include foreclosures and short sales, represented 23% of sales in the second quarter of 2012, down from 30% a year ago, according to the National Association of REALTORS®.

Florida again posted the top foreclosure rate nationwide.

One in every 312 Florida housing units had some sort of foreclosure filing in October as foreclosure starts moved to a 12-month high. Monthly filings increased 2% from last month.

In Nevada, the monthly increase was larger, rising 41% month-over-month, lifting it from the fifth-highest rate in September 2012, to the second-highest in October 2012.

Third-ranked Illinois saw a 6% increase in foreclosure filings over September 2012. California and Arizona rounded out the top five.

Hurricane Sandy made an impact on the foreclosure market, too, with a foreclosure moratorium being put into effect in the states most affected such as New Jersey, New York, and Connecticut.

For Phoenix home buyers planning to venture into the home foreclosure market, there are well-priced homes for sale. However, understand that a foreclosure property is often sold “as is,” and that you may not be allowed into the property prior to the sale to inspect for damage. Home may have termites, been gutted by previous tenants or owners, or be filled with lead paint or asbestos.

For this reason, it’s a good idea to engage an experienced real estate professional when buying foreclosure properties. Real estate agents can guide you through the foreclosure process and give advice regarding contracts and home inspections.

Rod Dennis
Mortgage Loan Originator

NMLS# 150049,Licensed: AZ LO0915938, CA-DOC150049

WJ Bradley Mortgage Capital, LLC

Corporate NMLS
ID-81395
Arizona
BK-0903998

| Phone: 480-850-6501
| Fax: 480-212-4976
| Mobile: 480-695-0733
| roddennis@roddennis.com

Realtor Required CE: Code of Ethics Course - David Compton

Rod Dennis (WJ Bradley Mortgage Capital, LLC) — Fri, 16 Nov 2012 13:50:21 -0800

Rod Dennis
Mortgage Loan Originator

NMLS# 150049,Licensed: AZ LO0915938, CA-DOC150049

WJ Bradley Mortgage Capital, LLC

Corporate NMLS
ID-81395
Arizona
BK-0903998

| Phone: 480-850-6501
| Fax: 480-212-4976
| Mobile: 480-695-0733
| roddennis@roddennis.com

Harp Loan Qualification Update:

Rod Dennis (WJ Bradley Mortgage Capital, LLC) — Wed, 14 Nov 2012 13:13:48 -0800

Harp Loan Qualification Update:

Fannie Mae & Freddie Mac have adopted changes to the Home Affordable Refinance Program (HARP) and you may be eligible to take advantage of these changes.

In Fannie's latest release HARP 9.0 we are finding that some of the loans that received a EA-1,2,3's are now receiving an accept. If you know your loan received an EA-1,2,3's you might want to check with us because we are finding more loans are being accepted by the new guidelines for the Harp program. We will need to run it with a new case file number. We are also seeing Freddie properties experiencing this change as well. Good luck.

If your mortgage is owned or guaranteed by Fannie Mae or Freddie Mac, you may be eligible to refinance your mortgage under the enhanced and expanded provisions of HARP.
You can determine whether your mortgage is owned by Fannie Mae or Freddie Mac by checking the following websites:

http://www.fanniemae.com/loanlookup/

http://www.freddiemac.com/mymortg

Rod Dennis
Mortgage Loan Originator

NMLS# 150049,Licensed: AZ LO0915938, CA-DOC150049

WJ Bradley Mortgage Capital, LLC

Corporate NMLS
ID-81395
Arizona
BK-0903998

| Phone: 480-850-6501
| Fax: 480-212-4976
| Mobile: 480-695-0733
| roddennis@roddennis.com