http://activerain.com/blogs/delawaremortgages en-us http://activerain.com/blogsview/1352773/delaware-first-time-home-buyer-seminar-december-19-2009 <p>There will be a <strong>Free Delaware First Time Home Buyer Seminar</strong> on Saturday&nbsp;December 19, 2009 at 10:00 AM and again at 1:00 PM. The seminar will last about 2 hours and each participate will be able to recieve a free copy of their tri-merge credit report. The seminar will cover all of the basics of buying a new home in Delaware. The seminar will cover Delaware FHA loans, Delaware VA loans, Delaware USDA Rural Housing Loans, First Time Home Buyer Loan Programs and the Delaware FHA 203k Rehab loans.&nbsp;&nbsp; Learn how to get $8,000 tax credit&nbsp; for first time home buyers and $6,500 tax credit for move up buyers who for buy a home by June 30, 2010&nbsp; That is a check for $8,000 or $6,500 from the IRS to you at tax time just for buying a home!&nbsp; The best thing is you don't have to ever pay the&nbsp;money back!!&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</p> <p>Each participate will recieve a Free Audio CD on Homebuying 101, Credit Scoring Handbook, Homebuying Handbook, and an opputunity to meet with a mortgage planner to be pre-approved to buy a home at the seminar.You will also learn importance of credit in buying a home and learn valueable tips on how to improve your credit score. Learn what programs are available to help with down payment and closing costs. The new loan limits for conventional and FHA will be covered as well as changes to borrowing 100% financing.</p> <p>The Seminar is being held at The Seminar is being held at <strong>The Christiana Hilton Hotel at&nbsp;100 Continental Drive</strong><strong>, Newark, DE 19713 </strong>from 10:00 AM till 12:00 PM and a second session from 1:00 PM till 3:00 PM. To register for the seminar, please call 302-588-3665 and ask for John Thomas. You can also e-mail me at <a href="mailto:DelawareMortgages@yahoo.com">DelawareMortgages@yahoo.com</a></p> <p>For a Complete list of seminars&nbsp;visit <a href="http://www.delawaremortgageloans.net/seminars">www.DelawareMortgageLoans.net/seminars</a></p> <p>John R. Thomas - Certified Mortgage Planner - Primary Residential Mortgage, Inc.</p> <p><a href="http://www.delawaremortgageloans.net/">www.DelawareMortgageLoans.net</a></p> John Thomas (Primary Residential Mortgage Inc.) Mon, 23 Nov 2009 23:23:00 -0600 http://activerain.com/blogsview/1352773/delaware-first-time-home-buyer-seminar-december-19-2009 http://activerain.com/blogsview/1322672/2010-home-buyer-tax-credit <p>The House of Representatives and the Senate passed a bill to extend the First Time Home Buyer Tax Credit for up to $8,000.&nbsp; The new tax credit starts December 1, 2009 and goes to April 30, 2009.&nbsp; Congress also added $6,500 tax credit for move up buyers.&nbsp; In order to qualify you must have owned your current principal residence for the last 5 years or more.</p> <p>You must own the home you buy for the next 3 years in order to not have to pay the money back.&nbsp; The income limits have also been increased. Single = $125,000 and Joint = $250,000.</p> <p>For more information please feel free to call me at 302-703-727 or send an e-mail to <a href="mailto:DelawareMortgages@yahoo.com">DelawareMortgages@yahoo.com</a></p> <p>John R. Thomas - Certified Mortgage Planner - Primary Residential Mortgage, Inc.</p> <p><a href="http://www.DelawareMortgageLoans.net">www.DelawareMortgageLoans.net</a></p> <p>&nbsp;</p> John Thomas (Primary Residential Mortgage Inc.) Thu, 05 Nov 2009 22:07:13 -0600 http://activerain.com/blogsview/1322672/2010-home-buyer-tax-credit http://activerain.com/blogsview/1306330/delaware-mortgage-rate-update-tuesday-october-27-2009 <p>The mortgage bonds had a nice rally today and most&nbsp;lenders repriced for the better today for rates.&nbsp; The rally comes after 3 days of selling in the bond market.&nbsp; The rates have improved today on good results from the treasury auction today and consumer confidence coming in weaker than expected.&nbsp; This has caused a rally in the bond market.</p> <p>If you have been floating you may want to lock in these gains as there are more treasury auction coming this weak which if not received well will cause a sell off in bonds.</p> <p>My recommendation is to lock in your Delaware Mortgage Rate for Tuesday October 27, 2009.</p> <p>If you need advice or help with a Delaware Home Loan please feel free to send me an e-mail to <a href="mailto:DelawareMortgages@yahoo.com">DelawareMortgages@yahoo.com</a> or call me at 302-703-0727.</p> <p>John R. Thomas - Certifed Mortgage Planner - Primary Residential Mortgage, Inc.</p> <p><a href="http://www.DelawareMortgageLoans.net">www.DelawareMortgageLoans.net</a></p> <p><strong>Free Delaware First Time Home Buyer Seminar</strong> - November 21, 2009 at the Christiana Hilton Hotel in Newark, DE from 10 AM till Noon and again from 1 PM till 3 PM.&nbsp; Call 302-588-3665 to register or send an e-mail to <a href="mailto:DelawareMortgages@yahoo.com">DelawareMortgages@yahoo.com</a></p> John Thomas (Primary Residential Mortgage Inc.) Tue, 27 Oct 2009 15:57:04 -0500 http://activerain.com/blogsview/1306330/delaware-mortgage-rate-update-tuesday-october-27-2009 http://activerain.com/blogsview/1305049/update-on-8-000-tax-credit <p>The US Senate is expected to vote on the bill that will extend the First Time Home Buyer Tax credit.&nbsp; The Senate is expected to pass the extension.&nbsp; Experts believe the extension will be for 6 months and will stay at $8,000 for First Time Home Buyers only.&nbsp; The extension is beleived crucial for helping the home market continue to recover.</p> <p>If you would like to learn more about qualifying for the first time home buyer tax credit or interested in seeing if you qualify for a mortgage, please feel free to e-mail me at <a href="mailto:DelawareMortgages@yahoo.com">DelawareMortgages@yahoo.com</a> or call 302-703-0727.</p> <p>John R. Thomas - Certified Mortgage Planner - Primary Residential Mortgage</p> <p><a href="http://www.DelawareMortgageLoans.net">www.DelawareMortgageLoans.net</a></p> <p>&nbsp;</p> John Thomas (Primary Residential Mortgage Inc.) Mon, 26 Oct 2009 22:11:20 -0500 http://activerain.com/blogsview/1305049/update-on-8-000-tax-credit http://activerain.com/blogsview/1303302/refinance-your-delaware-mortgage-rate-rates-at-all-time-low- If your current mortgage rate is 6.0% or higher then you can refinance to lower your rate and save thousands of dollars in interest. Rates are at an all time record low and the government has made it easier for you to qualify to lower your rate.<br> If you have a Delaware FHA loan currently you can do an FHA streamline refinance to lower your rate and not have to have an appraisal. We don’t need to verify your income or your assets or your property value.<br> If you have a Delaware VA loan currently you can do a VA rate reduction refinance. Similar to FHA streamline, we don’t need to verify income, assets, or property value. <br> If you have a Conventional Mortgage that is backed by Fannie Mae or Freddie Mac you can take care of the Obama plan to refinance your home for up to 125% of the appraised value. Rates are Low!!<br> <br>Call now to get a free consultation from a national mortgage bank with local Delaware branches. 302-588-3665. Ask for John Thomas or send an e-mail to DelawareMortgages@yahoo.com<br> <br> Visit <a href="http://www.DelawareMortgageLoans.net/" rel="nofollow">Delaware Mortgage Loans</a> for a more information. <br><br> <br> John R. Thomas - Certified Mortgage Planner - Primary Residential Mortgage, Inc. <p><a href="http://www.DelawareMortgageLoans.net/" rel="nofollow">www.DelawareMortgageLoans.net</a> </p> John Thomas (Primary Residential Mortgage Inc.) Sun, 25 Oct 2009 23:51:30 -0500 http://activerain.com/blogsview/1303302/refinance-your-delaware-mortgage-rate-rates-at-all-time-low- http://activerain.com/blogsview/1300772/delaware-first-time-home-buyer-seminar-november-21-2009 <p>There will be a <strong>Free Delaware First Time Home Buyer Seminar</strong> on Saturday&nbsp;November 21, 2009 at 10:00 AM and again at 1:00 PM. The seminar will last about 2 hours and each participate will be able to recieve a free copy of their tri-merge credit report. The seminar will cover all of the basics of buying a new home in Delaware. The seminar will cover Delaware FHA loans, Delaware VA loans, Delaware USDA Rural Housing Loans, First Time Home Buyer Loan Programs and the Delaware FHA 203k Rehab loans.&nbsp;&nbsp; Learn how to get $8,000 tax credit for buying a home. in 2009&nbsp; That is a check for $8,000 from the IRS to you at tax time just for buying a home!&nbsp; The best thing is you don't have to ever pay the $8,000 back!!&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</p> <p>Each participate will recieve a Free Audio CD on Homebuying 101, Credit Scoring Handbook, Homebuying Handbook, and an opputunity to meet with a mortgage planner to be pre-approved to buy a home at the seminar.You will also learn importance of credit in buying a home and learn valueable tips on how to improve your credit score. Learn what programs are available to help with down payment and closing costs. The new loan limits for conventional and FHA will be covered as well as changes to borrowing 100% financing.</p> <p>The Seminar is being held at The Seminar is being held at <strong>The Christiana Hilton Hotel at&nbsp;100 Continental Drive</strong><strong>, Newark, DE 19713 </strong>from 10:00 AM till 12:00 PM and a second session from 1:00 PM till 3:00 PM. To register for the seminar, please call 302-588-3665 and ask for John Thomas. You can also e-mail me at <a href="mailto:DelawareMortgages@yahoo.com">DelawareMortgages@yahoo.com</a></p> <p>For a Complete list of seminars&nbsp;visit <a href="http://www.delawaremortgageloans.net/seminars">www.DelawareMortgageLoans.net/seminars</a></p> <p>John R. Thomas - Certified Mortgage Planner - Primary Residential Mortgage, Inc.</p> <p><a href="http://www.delawaremortgageloans.net/">www.DelawareMortgageLoans.net</a></p> John Thomas (Primary Residential Mortgage Inc.) Fri, 23 Oct 2009 22:35:24 -0500 http://activerain.com/blogsview/1300772/delaware-first-time-home-buyer-seminar-november-21-2009 http://activerain.com/blogsview/1297243/10-deadly-mistakes-buyers-make-when-purchasing-a-home <p>10 Deadly Mistakes Buyers Make When Purchasing a Home</p> <p>1) Making an offer on a home without being prequalified.</p> <p>2) Not having a home inspection.</p> <p>3) Limiting your search to open houses, ads or the internet.</p> <p>4) Choosing a real estate agent who is not committed to forming a strong business relationship with you.</p> <p>5) Thinking there is only one perfect house out there.</p> <p>6) Not considering long-term needs.</p> <p>7) Not examining insurance issues.</p> <p>8) Not buying a home protection plan.</p> <p>9) Not knowing total costs involved in buying a home.</p> <p>10) Not following through on due diligence.</p> <p>If you want more infromation on buying a home or a Free Copy of The Home Buying Handbook then send an e-mail to <a href="mailto:DelawareMortgages@yahoo.com">DelawareMortgages@yahoo.com</a></p> <p>John R. Thomas - Certified Mortgage Planner - Primary Residential Mortgage, Inc.</p> <p>302-703-0727 Office</p> <p><a href="http://www.DelawareMortgageLoans.net">www.DelawareMortgageLoans.net</a></p> <p>&nbsp;</p> John Thomas (Primary Residential Mortgage Inc.) Wed, 21 Oct 2009 23:04:41 -0500 http://activerain.com/blogsview/1297243/10-deadly-mistakes-buyers-make-when-purchasing-a-home http://activerain.com/blogsview/1297220/how-to-submit-a-purchase-offer-on-a-home <p>Once you have found the right property, the next step is to make a purchase offer to the seller.&nbsp; Here are the steps you should follow;</p> <p>Step 1 - Determine the price you want to offer</p> <ul> <li>The price the seller is asking may or may not reflect realistic market value.</li> <li>The best way to determine market value is with a Comparative Market&nbsp; Analysis (CMA) showing similar properties that sold recently, those that are currently active on the market and those that are currently active on the market and those that failed to sell.</li> </ul> <p>Step 2 - Decide on Financing</p> <ul> <li>Review your loan approval with your loan officer to make sure you are qualified to make the offer</li> <li>Review the loan programs that are available and decide which best fits your needs.</li> </ul> <p>Step 3 - Decide on other issues that are important</p> <ul> <li>Items of personal property that you want to include with the house.</li> <li>Warranty, Inspections, repairs or other home enhancements by the seller.</li> <li>Closing date and possession.</li> </ul> <p>Step 4 - Present offer to Seller</p> <ul> <li>Seller will have three options: accept your offer as it is presented; reject it completely; or propose adjustments to your offer (counteroffer)</li> <li>If there is a counteroffer, you can choose whether to accept it, reject it or counter it.</li> </ul> <p>Step 5 - Accepted Contract</p> <ul> <li>Once your offer is accepted you are officially under contract</li> <li>Appraisal is ordered, title search is ordered, inspections are ordered, and official loan applicaiton is made.</li> </ul> <p>If you have questions on buying a home or would like to receive a Free Home Buying Handbook, please e-mail me at <a href="mailto:DelawareMortgages@yahoo.com">DelawareMortgages@yahoo.com</a></p> <p>John R. Thomas - Certified Mortgage Planner - Primary Residential Mortgage, Inc.</p> <p>302-703-0727 Office</p> <p><a href="http://www.DelawareMortgageLoans.net">www.DelawareMortgageLoans.net</a></p> <p>&nbsp;</p> John Thomas (Primary Residential Mortgage Inc.) Wed, 21 Oct 2009 22:43:18 -0500 http://activerain.com/blogsview/1297220/how-to-submit-a-purchase-offer-on-a-home http://activerain.com/blogsview/1297194/5-important-ways-to-protect-your-home-purchase <p>5 Important Ways to Protect Your Interests during a home purchase</p> <p>1) A Written property disclosure statement from the seller will reveal any problems with the house and the surrounding area that you need to know about.</p> <p>2) Professional Inspections can reveal structural, roof, termite, and other problems with the property that the seller will need to remedy.</p> <p>3) A home Warranty can give you peace of mind by providing repair-or-replace coverage of major home operating systems and appliances.</p> <p>4) A preliminary title report informs you of any problems with the property's title and a policy of title insurance protects your rights to the property.</p> <p>5) A walk-through before closing will allow you to make sure all required work has been taken care of and that the property is ready to become yours.</p> <p>For more information on the home buying process or for a free Home Buying Handbook, please e-mail me at <a href="mailto:DelawareMortgages@yahoo.com">DelawareMortgages@yahoo.com</a></p> <p>John R. Thomas - Certified Mortgage Planner - Primary Residential Mortgage</p> <p>302-703-0727 Office</p> <p><a href="http://www.DelawareMortgageLoans.net">www.DelawareMortgageLoans.net</a></p> <p>&nbsp;</p> John Thomas (Primary Residential Mortgage Inc.) Wed, 21 Oct 2009 22:24:30 -0500 http://activerain.com/blogsview/1297194/5-important-ways-to-protect-your-home-purchase http://activerain.com/blogsview/1295243/still-room-left-for-first-time-home-buyer-seminar-october-24-2009 <p>There is still room left for both sessions of the First Time Home Buyer Seminar on October 24, 2009 at the Christiana Hilton Hotel in Newark, DE.&nbsp; The first session is from 10 AM till Noon and the 2nd session is from 1 PM till 3 PM.</p> <p>We will be covering Delaware FHA loans, Delaware USDA rural housing loans, DE VA loans, DE conventional loans, DE 203k Rehab loans, and Delaware First Time Home Buyer programs.</p> <p>Each participate will recieve free Home Buying Handbook and free credit handbook.</p> <p>To register please call John Thomas at 302-703-0727 or send an e-mail <a href="mailto:DelawareMortgages@yahoo.com">DelawareMortgages@yahoo.com</a></p> <p>John R. Thomas - Certified Mortgage Planner - Primary Residential Mortgage, Inc.</p> <p><a href="http://www.DelawareMortgageLoans.net">www.DelawareMortgageLoans.net</a></p> <p>&nbsp;</p> John Thomas (Primary Residential Mortgage Inc.) Tue, 20 Oct 2009 22:01:34 -0500 http://activerain.com/blogsview/1295243/still-room-left-for-first-time-home-buyer-seminar-october-24-2009 http://activerain.com/blogsview/1295231/delaware-mortgage-rates-october-20-2009 <p>Delaware Mortgage Rates improved slightly today Tuesday October 20, 2009 based on the reading on inflation coming out better than expected.&nbsp;&nbsp; Next month's number for inflation will probably much worse than expected because oil has hit almost $80 a barrel and the dollar is very weak against other currencies.&nbsp; This is all inflationary which is bad news for mortgage rates next month.&nbsp; This all means now is the best time to refinance your current mortgage or to buy a new home.</p> <p>If you need help with a home loan feel free to call me at 302-703-0727 or send an e-mail to <a href="mailto:DelawareMortgages@yahoo.com">DelawareMortgages@yahoo.com</a></p> <p>John Thomas - Certified Mortgage Planner - Primary Residential Mortgage, Inc</p> <p><a href="http://www.DelawareMortgageLoans.net">www.DelawareMortgageLoans.net</a></p> <p>&nbsp;</p> John Thomas (Primary Residential Mortgage Inc.) Tue, 20 Oct 2009 21:55:08 -0500 http://activerain.com/blogsview/1295231/delaware-mortgage-rates-october-20-2009 http://activerain.com/blogsview/1293463/delaware-mortgage-rates-monday-october-19-2009 <p>Delaware Mortgage Rates were pretty stable today after rising last week from historic lows.&nbsp; Rates are still low but won't be for long.&nbsp; Inflation is starting to be a problem on the horizon which will be a factor to cause rates to rise.&nbsp; The Feds are scaling back the purchase of mortgage backed securities and will be done buying mortgages in March of 2010.&nbsp; The scaling back has already caused less demand in the bond market which is one of the factors for rates rising.</p> <p>If you are looking to buy or refinance a home in Delaware, now is the time&nbsp;to get a very low rate.&nbsp; Predictions are for rates to be in the 6s by the new year.</p> <p>If you need help with a Delaware Home Loan feel free to call me at 302-703-0727 or send an e-mail to <a href="mailto:Delawaremortgages@yahoo.com">Delawaremortgages@yahoo.com</a></p> <p>John R Thomas - Certified Mortgage Planner - Primary Residential Mortgage, Inc.</p> <p><a href="http://www.DelawareMortgageLoans.net">www.DelawareMortgageLoans.net</a></p> <p>&nbsp;</p> John Thomas (Primary Residential Mortgage Inc.) Mon, 19 Oct 2009 22:15:20 -0500 http://activerain.com/blogsview/1293463/delaware-mortgage-rates-monday-october-19-2009 http://activerain.com/blogsview/1291785/delaware-first-time-home-buyer-seminar-october-24-2008 <p>There will be a <strong>Free Delaware First Time Home Buyer Seminar</strong> on Saturday&nbsp;October 24, 2009 at 10:00 AM and again at 1:00 PM. The seminar will last about 2 hours and each participate will be able to recieve a free copy of their tri-merge credit report. The seminar will cover all of the basics of buying a new home in Delaware. The seminar will cover Delaware FHA loans, Delaware VA loans, Delaware USDA Rural Housing Loans, First Time Home Buyer Loan Programs and the Delaware FHA 203k Rehab loans.&nbsp;&nbsp; Learn how to get $8,000 tax credit for buying a home. in 2009&nbsp; That is a check for $8,000 from the IRS to you at tax time just for buying a home!&nbsp; The best thing is you don't have to ever pay the $8,000 back!!&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</p> <p>Each participate will recieve a Free Audio CD on Homebuying 101, Credit Scoring Handbook, Homebuying Handbook, and an opputunity to meet with a mortgage planner to be pre-approved to buy a home at the seminar.You will also learn importance of credit in buying a home and learn valueable tips on how to improve your credit score. Learn what programs are available to help with down payment and closing costs. The new loan limits for conventional and FHA will be covered as well as changes to borrowing 100% financing.</p> <p>The Seminar is being held at The Seminar is being held at <strong>The Christiana Hilton Hotel at&nbsp;100 Continental Drive</strong><strong>, Newark, DE 19713 </strong>from 10:00 AM till 12:00 PM and a second session from 1:00 PM till 3:00 PM. To register for the seminar, please call 302-588-3665 and ask for John Thomas. You can also e-mail me at <a href="mailto:DelawareMortgages@yahoo.com">DelawareMortgages@yahoo.com</a></p> <p>For a Complete list of seminars&nbsp;visit <a href="http://www.delawaremortgageloans.net/seminars">www.DelawareMortgageLoans.net/seminars</a></p> <p>John R. Thomas - Certified Mortgage Planner - Primary Residential Mortgage, Inc.</p> <p><a href="http://www.DelawareMortgageLoans.net">www.DelawareMortgageLoans.net</a></p> John Thomas (Primary Residential Mortgage Inc.) Sun, 18 Oct 2009 23:44:01 -0500 http://activerain.com/blogsview/1291785/delaware-first-time-home-buyer-seminar-october-24-2008 http://activerain.com/blogsview/1291776/the-congo-hour-october-18-2009-did-you-see-me- <p>I was on Comcast Channel 28 again appearing on The Congo Hour.&nbsp; I was invited on with Lakeisha Cunningham from RE/MAX Associates.&nbsp; We were discussing our next First Time Home Buyer Seminar on Saturday October 24, 2009 from 10 AM till Noon and again from 1 PM till 3 PM.&nbsp; The seminar is being held at the Crhistiana Hilton Hotel at 100 Continental Drive, Newark, DE 19713.&nbsp; Call 302-588-3665 to register or send an e-mail to <a href="mailto:DelawareMortgages@yahoo.com">DelawareMortgages@yahoo.com</a></p> <p>We also talked about interest rates being at all time low so now is the best time ever to refinance to save thousands on mortgage interest.&nbsp; If you rate is 6.0% or more you can probably benefit from refinancing.&nbsp; Call me for a free refinance analysis (302) 588-3665.</p> <p>John R. Thomas - Certified Mortgage Planner - Primary Residential Mortgage, Inc.</p> <p><a href="http://www.DelawareMortgageLoans.net">www.DelawareMortgageLoans.net</a></p> <p>&nbsp;</p> John Thomas (Primary Residential Mortgage Inc.) Sun, 18 Oct 2009 23:34:21 -0500 http://activerain.com/blogsview/1291776/the-congo-hour-october-18-2009-did-you-see-me- http://activerain.com/blogsview/1285838/delaware-mortgage-rates-for-10-14-2009 <p>The mortgage rates for Delaware ended the day a little worse because of a rallying stock market.&nbsp; The stock matket topped 10,000 for the first time since last October.&nbsp; This pulled money from the bond market which caused Delaware Mortgage Interst Rates to rise.&nbsp; Rates are still very low and close to the lowest rates ever.</p> <p>The Federal Chairman Ben Bernanke said last Friday rates are as low as they are going to go and will rise thru out the rest of the year.&nbsp; This means now is the time to refinance or purchase a home in Delaware to take advantage of record low interest rataes.</p> <p>If you are a Delaware first time home buyer then you should sign up to attend our First Time Home Buyer Seminar on October 24, 2009 at the Christiana Hilton Hotel in Newark, Delaware.&nbsp; For more information call me at 302-703-0727 option 1 for John Thomas or send an e-mail to <a href="mailto:DelawareMortgages@yahoo.com">DelawareMortgages@yahoo.com</a>.&nbsp; You can also visit <a href="http://www.DelawareMortgageLoans.net">www.DelawareMortgageLoans.net</a> for more information.</p> <p>If you currently have a mortgage rate that is 6.0% or higher than you can take advantage of a refinance to lower your rate.&nbsp; Call me now to apply 302-703-0727</p> <p>John R. Thomas - Certified Mortgage Planner - Primary Residential Mortgage, Inc.</p> <p><a href="http://www.DelawareMortgageLoans.net">www.DelawareMortgageLoans.net</a></p> <p>&nbsp;</p> John Thomas (Primary Residential Mortgage Inc.) Wed, 14 Oct 2009 22:42:31 -0500 http://activerain.com/blogsview/1285838/delaware-mortgage-rates-for-10-14-2009 http://activerain.com/blogsview/1272833/my-next-tv-appearance-the-congo-hour-10-18-2009-at-8-00-pm- <p>I will be on The Congo Hour on Sunday evening October 18, 2009 at 8:00 PM on local Comcast Channel 28.&nbsp; I will be on the show with Lakeisha Cunningham from RE/MAX Associates.&nbsp; We will be discussing the First Time Home Buyer Tax Credit for $8,000, the Delaware Real Estate Market, and tips for buying a home before the December 1, 2009 deadline.</p> <p>We will also be promoting our next Free First Time Home Buyer Seminar on October 24, 2009 at the Christiana Hilton Hotel in Newark, DE.&nbsp; The seminar is from 10AM till Noon and again from 1:00 PM till 3:00 PM.&nbsp; If you would like to attend the seminar, call me at 302-703-0727 or send an e-mail to <a href="mailto:DelawareMortgages@yahoo.com">DelawareMortgages@yahoo.com</a></p> <p>I would like to thank Trippi and Keya Confo for inviting us on the show again to help educate the Delaware Community on home buying topics.</p> <p>John R. Thomas - Certified Mortgage Planner - Primary Residential Mortgage, Inc.</p> <p><a href="http://www.DelawareMortgageLoans.net">www.DelawareMortgageLoans.net</a></p> <p>&nbsp;</p> John Thomas (Primary Residential Mortgage Inc.) Tue, 06 Oct 2009 22:24:54 -0500 http://activerain.com/blogsview/1272833/my-next-tv-appearance-the-congo-hour-10-18-2009-at-8-00-pm- http://activerain.com/blogsview/1269563/refinance-your-delaware-mortgage-rate-rates-at-all-time-low- <p>If your current mortgage rate is 6.0% or higher then you can refinance to lower your rate and save thousands of dollars in interest. Rates are at an all time record low and the government has made it easier for you to qualify to lower your rate.<br />If you have an Delaware FHA loan currently you can do an FHA streamline refinance to lower your rate and not have to have an appraisal. We don't need to verify your income or your assets or your property value.<br />If you have a Delaware VA loan currently you can do a VA rate reduction refinance. Similar to FHA streamline, we don't need to verify income, assets, or property value. <br />If you have a Conventional Mortgage that is backed by Fannie Mae or Freddie Mac you can take care of the Obama plan to refinance your home for up to 125% of the appraised value. Rates are Low!!<br /><br />Call now to get a free consultation from a national mortgage bank with local Delaware branches. 302-588-3665. Ask for John Thomas or send an e-mail to DelawareMortgages@yahoo.com<br /><br />Visit <a href="http://www.delawaremortgageloans.net/">Delaware Mortgage Loans</a> for a more information. <br /><br /><br />John R. Thomas - Certified Mortgage Planner - Primary Residential Mortgage, Inc.</p> <p><a href="http://www.delawaremortgageloans.net/">www.DelawareMortgageLoans.net</a></p> John Thomas (Primary Residential Mortgage Inc.) Sun, 04 Oct 2009 22:55:55 -0500 http://activerain.com/blogsview/1269563/refinance-your-delaware-mortgage-rate-rates-at-all-time-low- http://activerain.com/blogsview/1269549/lyndon-johnson-s-list-on-how-to-find-success <p>Former President Lyndon Johnson wrote down 10 Rules for How to Find Success.</p> <p>1) Remember Names,</p> <p>2) Be Comfortable. Be an Old-Shoe kind of individual</p> <p>3) Acquire the quality of relaxed easy going, so that things do not ruffle you.</p> <p>4) Don't Be Egotistical.</p> <p>5) Cultivate the Quality of Being Interesting.</p> <p>6) Study to get the "scratchy" elements out of your personality.</p> <p>7) Sincerely attempt to heal every misunderstanding you have had or now have.</p> <p>8) Practice Liking People Until You learn to do so Genuinely.</p> <p>9) Never Miss an Opportunity to say a word of congratulation.</p> <p>10) Give Spiritual Strength to People, and They Will Give Genuine Affection to You.</p> <p>Study these&nbsp; 10 Rules and see if they can help you become more successful in your own Life!</p> <p>John R. Thomas - Certified Mortgage Planner - Primary Residential Mortgage, Inc.</p> <p><a href="http://www.DelawareMortgageLoans.net">www.DelawareMortgageLoans.net</a></p> <p>&nbsp;</p> John Thomas (Primary Residential Mortgage Inc.) Sun, 04 Oct 2009 22:47:44 -0500 http://activerain.com/blogsview/1269549/lyndon-johnson-s-list-on-how-to-find-success http://activerain.com/blogsview/1269528/delaware-first-time-home-buyer-seminar-october-24-2009 <p>There will be a <strong>Free Delaware First Time Home Buyer Seminar</strong> on Saturday&nbsp;October 24, 2009 at 10:00 AM and again at 1:00 PM. The seminar will last about 2 hours and each participate will be able to recieve a free copy of their tri-merge credit report. The seminar will cover all of the basics of buying a new home in Delaware. The seminar will cover Delaware FHA loans, Delaware VA loans, Delaware USDA Rural Housing Loans, First Time Home Buyer Loan Programs and the Delaware FHA 203k Rehab loans.&nbsp;&nbsp; Learn how to get $8,000 tax credit for buying a home. in 2009&nbsp; That is a check for $8,000 from the IRS to you at tax time just for buying a home!&nbsp; The best thing is you don't have to ever pay the $8,000 back!!&nbsp;&nbsp;</p> <p>Each participate will recieve a Free Audio CD on Homebuying 101, Credit Scoring Handbook, Homebuying Handbook, and an opputunity to meet with a mortgage planner to be pre-approved to buy a home at the seminar.You will also learn importance of credit in buying a home and learn valueable tips on how to improve your credit score. Learn what programs are available to help with down payment and closing costs. The new loan limits for conventional and FHA will be covered as well as changes to borrowing 100% financing.</p> <p>The Seminar is being held at The Seminar is being held at <strong>The Christiana Hilton Hotel at&nbsp;100 Continental Drive</strong><strong>, Newark, DE 19713 </strong>from 10:00 AM till 12:00 PM and a second session from 1:00 PM till 3:00 PM. To register for the seminar, please call 302-588-3665 and ask for John Thomas. You can also e-mail me at <a href="mailto:DelawareMortgages@yahoo.com">DelawareMortgages@yahoo.com</a></p> <p>For a Complete list of seminars&nbsp;visit <a href="http://www.delawaremortgageloans.net/seminars">www.DelawareMortgageLoans.net/seminars</a></p> <p>John R. Thomas - Certified Mortgage Planner - FHA &amp; USDA Specialist</p> <p>Primary Residential Mortgage, Inc.</p> <p><a href="http://www.delawaremortgageloans.net/">www.DelawareMortgageLoans.net</a></p> John Thomas (Primary Residential Mortgage Inc.) Sun, 04 Oct 2009 22:35:54 -0500 http://activerain.com/blogsview/1269528/delaware-first-time-home-buyer-seminar-october-24-2009 http://activerain.com/blogsview/1268527/delaware-first-time-home-buyer-seminar-october-10-2009 <p>There will be a <strong>Free Delaware First Time Home Buyer Seminar</strong> on Saturday&nbsp;October 10, 2009 at 10:00 AM and again at 1:00 PM. The seminar will last about 2 hours and each participate will be able to recieve a free copy of their tri-merge credit report. The seminar will cover all of the basics of buying a new home in Delaware. The seminar will cover Delaware FHA loans, Delaware VA loans, Delaware USDA Rural Housing Loans, First Time Home Buyer Loan Programs and the Delaware FHA 203k Rehab loans.&nbsp;&nbsp; Learn how to get $8,000 tax credit for buying a home. in 2009&nbsp; That is a check for $8,000 from the IRS to you at tax time just for buying a home!&nbsp; The best thing is you don't have to ever pay the $8,000 back!!&nbsp;&nbsp;</p> <p>Each participate will recieve a Free Audio CD on Homebuying 101, Credit Scoring Handbook, Homebuying Handbook, and an opputunity to meet with a mortgage planner to be pre-approved to buy a home at the seminar.You will also learn importance of credit in buying a home and learn valueable tips on how to improve your credit score. Learn what programs are available to help with down payment and closing costs. The new loan limits for conventional and FHA will be covered as well as changes to borrowing 100% financing.</p> <p>The Seminar is being held at The Seminar is being held at <strong>The Christiana Hilton Hotel at&nbsp;100 Continental Drive</strong><strong>, Newark, DE 19713 </strong>from 10:00 AM till 12:00 PM and a second session from 1:00 PM till 3:00 PM. To register for the seminar, please call 302-588-3665 and ask for John Thomas. You can also e-mail me at <a href="mailto:DelawareMortgages@yahoo.com">DelawareMortgages@yahoo.com</a></p> <p>For a Complete list of seminars&nbsp;visit <a href="http://www.delawaremortgageloans.net/seminars">www.DelawareMortgageLoans.net/seminars</a></p> <p>John R. Thomas - Certified Mortgage Planner - FHA &amp; USDA Specialist</p> <p>Primary Residential Mortgage, Inc.</p> <p><a href="http://www.delawaremortgageloans.net/">www.DelawareMortgageLoans.net</a></p> John Thomas (Primary Residential Mortgage Inc.) Sun, 04 Oct 2009 08:24:39 -0500 http://activerain.com/blogsview/1268527/delaware-first-time-home-buyer-seminar-october-10-2009 http://activerain.com/blogsview/1253180/first-time-home-buyer-seminar-sept-26th-still-room-left- <p>Don't miss your chance to register for the Free First Time Home Buyer Seminar on this Saturday September 26, 2009 at the Christiana Hilton Hotel in Newark, DE.&nbsp; There are two sessions one from 10 AM till Noon and from 1 PM till 3 PM.</p> <p>Come learn about the $8,000 Tax Credit for First Time Home Buyers.&nbsp; Time is running out, it expires on December 1, 2009.</p> <p>The seminar will discuss Delaware FHA loans, Delaware VA loans, Delaware USDA Rural Housing loans, and Delaware First Time Home Buyer Programs.</p> <p>Each participate will receive a Free Home Buyer Handbook, Free Credit Score Handbook, and a Free Audio CD - home buying 101.</p> <p>To register call 302-588-3665 and ask for John Thomas or send an e-mail to <a href="mailto:DelawareMortgages@yahoo.com">DelawareMortgages@yahoo.com</a></p> <p>John R. Thomas - Certified Mortgage Planner - Primary Residential Mortgage, Inc.</p> <p><a href="http://www.DelawareMortgageLoans.net">www.DelawareMortgageLoans.net</a></p> <p>&nbsp;</p> John Thomas (Primary Residential Mortgage Inc.) Wed, 23 Sep 2009 23:09:45 -0500 http://activerain.com/blogsview/1253180/first-time-home-buyer-seminar-sept-26th-still-room-left- http://activerain.com/blogsview/1246844/the-congo-hour-special-guest-john-thomas <p>I just did my third visit to the local TV show "The Congo Hour" on September 13, 2009.&nbsp; I was invited to speak about the First Time Home Buyer Programs in Delaware.&nbsp;&nbsp; I have been on the show twice before with Realtor Lakeisha Cunningham from RE/MAX associates.&nbsp; This show we brought one of our special clients Kizzie &amp; Erol Lee.</p> <p>Kizzie's mother saw us on the show before and had her daughter Kizzie call me to help her buy a home.&nbsp; Kizzie had thought she would never qualify for&nbsp;a home loan.&nbsp; Kizzie and her husband Erol were newly married.&nbsp; They thougth they wouldn't be able to buy a home because Erol is a recent immigrant from Jamaica.</p> <p>We got Kizzie and her husband qualified for a home loan and they are closing on September 30, 2009 on their first home.&nbsp; They are also going to recieve the $8,000 tax credit for buying a home before December 1, 2009.</p> <p>It was a great show and Kizzie and Erol were great. I want to thank Keya and Trippi for having us on the show.&nbsp; Lakeisha and I have been invited back again in October to help get the word out on the $8,000 first time home buyer tax credit.</p> <p>If you would like information on qualifying for a Delaware home loan for the purchase or refinance of a home, please call me at 302-588-3665 or send an e-mail to <a href="mailto:DelawareMortgages@yahoo.com">DelawareMortgages@yahoo.com</a></p> <p>John R. Thomas - Certified Mortgage Planner - Primary Residential Mortgage, Inc.</p> <p><a href="http://www.DelawareMortgageLoans.net">www.DelawareMortgageLoans.net</a></p> <p>&nbsp;</p> John Thomas (Primary Residential Mortgage Inc.) Sat, 19 Sep 2009 21:18:54 -0500 http://activerain.com/blogsview/1246844/the-congo-hour-special-guest-john-thomas http://activerain.com/blogsview/1246837/university-of-delaware-football-beats-delaware-state-27-17-september-19-2009 <p>The Univeristy of Delaware played Delaware State Univeristy for the First State Cup at the University of Delaware's Tubby Raymond Stadium.&nbsp; Delaware took the lead and at one point the score was 21-3.&nbsp; Delaware State was able to score 2 touch downs in the last 5 minutes but still lost 27-17.&nbsp; This games was much close than the first meeting of the two teams last year in the playoffs.</p> <p>For more information on the play by play visit Univeristy of Delaware official site at <a href="http://www.bluehens.com/sportsinfo/football/fb09-delstate.html">http://www.bluehens.com/sportsinfo/football/fb09-delstate.html</a></p> <p>&nbsp;</p> <p>John R. Thomas - Certified Mortgage Planner - Primary Residential Mortgage, Inc.</p> <p><a href="http://www.DelawareMortgageLoans.net">www.DelawareMortgageLoans.net</a></p> <p>&nbsp;</p> John Thomas (Primary Residential Mortgage Inc.) Sat, 19 Sep 2009 21:10:15 -0500 http://activerain.com/blogsview/1246837/university-of-delaware-football-beats-delaware-state-27-17-september-19-2009 http://activerain.com/blogsview/1246827/changes-in-the-truth-in-lending-august-1-2009 <p>The RESPA law has changed and took effect for applicaiton taken August 1, 2009 or after.&nbsp; There are three big changes that took effect on August 1, 2009.&nbsp; These changes can have a dramatic effect on closing times if you end up working with the wrong lender.&nbsp; The lenders most effected are the big banks such as Wells Fargo, Bank of America, CitiMortgage, and Chase.&nbsp; These banks have to completely change their business models.&nbsp; Other lenders are not as effected because their business models are already setup to work under the new changes.</p> <p>Here are the changes</p> <p>1) Cannot close a loan for at least 7 business days from application date.&nbsp; Applicaiton happens when client signs loan docuemnts &amp; diclosures if in person or 3 business days from mailing date.</p> <p>2) Lenders cannot collect any upfront fees before official applicaiton date.</p> <p>3) If APR on loan changes by more than 1/8 of percent then lender must re-disclose the new rate and wait 3 business days from time of receipt of new APR.&nbsp; So if mailing, could actually take 6 days because have to wait 3 business days for mail to get to client.</p> <p>The probelms arise for the big banks because they don't have effect systems to monitor the APR change until they draw docs for closing.&nbsp; The old law allowed you to disclose APR change at the settlement. Which didn't give clients any warning their APR changed before closing.</p> <p>We at Primary Residential Mortgage have always re-disclosed APR changes when any fees actually changed from the original estimate.&nbsp; This has always been done and hasn;t caused any delays in closing under the new law.</p> <p>If you have questions or need a home loan for the purchase or refinance of a home, please feel free to call me at 302-588-3665 or send an e-mail to <a href="mailto:DelawareMortgages@yahoo.com">DelawareMortgages@yahoo.com</a></p> <p>John R. Thomas&nbsp;- Certified Mortgage Planner - Primary Residential Mortgage, Inc.</p> <p><a href="http://www.DelawareMortgageLoans.net">www.DelawareMortgageLoans.net</a></p> <p>&nbsp;</p> John Thomas (Primary Residential Mortgage Inc.) Sat, 19 Sep 2009 20:57:29 -0500 http://activerain.com/blogsview/1246827/changes-in-the-truth-in-lending-august-1-2009 http://activerain.com/blogsview/1246695/free-delaware-first-time-home-buyer-seminar-october-3-2009 <p>There will be a <strong>Free Delaware First Time Home Buyer Seminar</strong> on Saturday&nbsp;October 3, 2009 at 10:00 AM and again at 1:00 PM. The seminar will last about 2 hours and each participate will be able to recieve a free copy of their tri-merge credit report. The seminar will cover all of the basics of buying a new home in Delaware. The seminar will cover Delaware FHA loans, Delaware VA loans, Delaware USDA Rural Housing Loans, First Time Home Buyer Loan Programs and the Delaware FHA 203k Rehab loans.&nbsp;&nbsp; Learn how to get $8,000 tax credit for buying a home. in 2009&nbsp; That is a check for $8,000 from the IRS to you at tax time just for buying a home!&nbsp; The best thing is you don't have to ever pay the $8,000 back!!&nbsp;&nbsp;</p> <p>Each participate will recieve a Free Audio CD on Homebuying 101, Credit Scoring Handbook, Homebuying Handbook, and an opputunity to meet with a mortgage planner to be pre-approved to buy a home at the seminar.You will also learn importance of credit in buying a home and learn valueable tips on how to improve your credit score. Learn what programs are available to help with down payment and closing costs. The new loan limits for conventional and FHA will be covered as well as changes to borrowing 100% financing.</p> <p>The Seminar is being held at The Seminar is being held at <strong>The Christiana Hilton Hotel at&nbsp;100 Continental Drive</strong><strong>, Newark, DE 19713 </strong>from 10:00 AM till 12:00 PM and a second session from 1:00 PM till 3:00 PM. To register for the seminar, please call 302-588-3665 and ask for John Thomas. You can also e-mail me at <a href="mailto:DelawareMortgages@yahoo.com">DelawareMortgages@yahoo.com</a></p> <p>For a Complete list of seminars&nbsp;visit <a href="http://www.delawaremortgageloans.net/seminars">www.DelawareMortgageLoans.net/seminars</a></p> <p>John R. Thomas - Certified Mortgage Planner - FHA &amp; USDA Specialist</p> <p>Primary Residential Mortgage, Inc.</p> <p><a href="http://www.delawaremortgageloans.net/">www.DelawareMortgageLoans.net</a></p> John Thomas (Primary Residential Mortgage Inc.) Sat, 19 Sep 2009 18:03:38 -0500 http://activerain.com/blogsview/1246695/free-delaware-first-time-home-buyer-seminar-october-3-2009