FHASpecialist

FHASpecialist http://activerain.com/blogs/michaelbyrne General mortgage industry notes and musings from an FHA and Investor Specialist. en-us http://activerain.com/blogsview/1374690/co-op-financing Co-Op Financing <p><strong>Co-Op Financing: </strong>The phrase alone is enough to emit a collective groan from Loan Officers at a sales <img title="www.refi-fhasecure.com" src="http://activerain.com/image_store/uploads/9/0/7/7/9/ar12602979897709.jpg" height="105" alt="www.refi-fhasecure.com" width="84" style="float: left;" />meeting.  However, I am pleased to announce that in the Northeast Region, Chase Home<img title="ehl" src="http://activerain.com/image_store/uploads/7/3/5/7/6/ar126029809267537.jpg" height="79" alt="ehl" width="76" style="float: right;" /> Loans offers <strong>Co-Op Financing</strong> on qualified properties in New York and New Jersey.  Eligible Counties in New York are: the Five Boroughs plus Nassau, Suffolk, Westchester and Rockland Counties.  New Jersey eligible Counties on a case by case basis are: Bergen, Hudson, Essex, Union, and Middlesex Counties.</p> <p>There is a large database here at Chase with a list of approved, unapproved, and pending co-ops for financing approval.  I will happily take a call to determine if your particular Cooperative is approved for our <strong>Co-Op Financing</strong>.  I can be reached at 908-531-6170 or emailed on my profile.</p> <p>Approved Cooperatives may be eligible for financing under our standard Fannie/Freddie guidelines or some of our portfolio guidelines.  Upon finding your Cooperative's name in our approved section, we can determine the types of <strong>Co-Op Financing</strong> for which your particular Co-Op is eligible.  Fannie Mae Co-op Financing programs can in some instances lend as high as 90% of the Fannie Mae loan limit.  Our Non-Agency Fixed Full Doc product specs allow <strong>Co-Op Financing</strong> in some cases up to a loan limit of 2 Million Dollars, subject to credit, appraisal, and other approvals. </p> <p>I urge any prospective buyers of a Co-Op in New York or New Jersey, or anyone who is looking for <strong>Co-Op Financing</strong>, to check with me to see if your Cooperative is on our list of approved Co-Ops so we can see what programs we can offer you.  I can be reached at 908 531 6170 any time to discuss your <strong>Co-Op Financing</strong> needs. </p> <p>If your particular Cooperative does not appear on our approved Co-Op list, there is a process with which we can submit your project for approval in a timely manner.  I can review with you what is required for a project approval and what the typical pitfalls are which can make a cooperative project an unapproved project.</p><div class='agent_signature'><p> </p> <p><span style="font-size: small;">Michael Byrne</span></p> <p>Mortgage Specialist</p> <p><a href="http://www.mortgageprosforum.com/contact_form.htm"><span style="font-size: medium;">Contact Me</span></a></p> <p><a href="http://activerain.com/blogsview/1282597/new-jersey-mortgage-banker">NJ Mortgage Banker</a>        <a href="http://activerain.com/blogsview/670849/100-financing-available-for-somerset-county-nj-with-the-usda-rd-loan">USDA Loans</a>      <a href="http://activerain.com/blogsview/1247630/new-jersey-jumbo-mortgage-rates">Jumbo Loans</a>      <a href="http://activerain.com/blogsview/1264781/fha-adjustable-rate-mortgage">FHA Loans</a>     <a href="http://activerain.com/blogsview/1279991/current-va-mortgage-rates">VA Loans</a>     <a href="http://www.mortgageprosforum.com/">my site</a></p> <p><a href="http://www.zillow.com/blog/mortgage/author/michaelbyrne/">Zillow Blog</a>   <a href="http://www.mortgageprosforum.com/contact_form.htm"></a>       <a href="http://www.refi-fhasecure.com/">My Blog </a>         <a href="http://activerain.com/blogsview/1276906/nj-stated-income-mortgage">stated income loans</a>               <a href="http://www.domoreloans.com/e_testimonials.htm?refid=naitch6203" target="_blank">Loan Officers: Do More Loans</a></p> <p>"A referral is the greatest compliment I can receive"</p></div> Michael Byrne (Chase Home Loans) Tue, 08 Dec 2009 13:01:30 -0600 http://activerain.com/blogsview/1374690/co-op-financing http://activerain.com/blogsview/1374272/elegant-center-hall-colonial-60-old-cannon-rd-berkeley-heights-nj- Elegant Center Hall Colonial: 60 Old Cannon Rd Berkeley Heights NJ <p>Elegant Center Hall Colonial on professionally landscaped property and cul-de-sac. Meticulously kept, this home features a new eat-in Kitchen with Granite Countertops, Stainless Steel Appliances, opening to a Family Room with a wood burning Fireplace and French doors to a beautiful multi-level Deck and gazebo.  There are Brazilian Cherry Hardwood Floors and deep custom moldings.  The Master Suite has a wet bar, walk-in custom closet, Luxury Bath with a whirlpool tub, Steam Shower and Palladian windows. Five Bedrooms in all, and two full and one half baths.</p> <p>A first floor Laundry Room and Mud Room, a Full Finished Basement with full size windows, and a 5th Bedroom/Home office located on the First Floor complete this fabulous home.</p> <p>Desirably located in one of many Berkeley Heights wonderful neighborhoods.</p> <p>Here is a link to the tour and moe pictures: <a href="http://60oldcannonroad.canbyours.com/">http://60oldcannonroad.canbyours.com/</a></p> <p> <img title="Berkeley Heights Property" src="http://activerain.com/image_store/uploads/3/2/3/6/8/ar126028625486323.jpg" height="246" alt="Berkeley Heights Property" width="264" style="float: left;" /></p> <p> <img title="Berkeley Heights Property" src="http://activerain.com/image_store/uploads/6/0/5/5/7/ar126028634475506.jpg" height="214" alt="Berkeley Heights Property" width="316" style="float: right;" /></p> <p><em></em></p> <p><em></em></p> <p><em></em></p> <p><em></em></p> <p><em></em></p> <p><em></em></p> <p><em></em></p> <p><em></em></p> <p><em></em></p> <p><em></em></p> <p><em></em></p> <p><em></em></p> <p><em>     </em></p> <p><em></em></p> <p>Grace is a real estate agent firend of mine and I thought I would post her newest listing.  Again, the link for the site I created is located at :   <a href="http://60oldcannonroad.canbyours.com/">http://60oldcannonroad.canbyours.com/</a></p> <p> </p> <p><strong><em>Grace M. Rappa </em></strong></p> <p><strong><em>Top 1% of 64,000 Coldwell Banker Agents Nationwide"</em></strong><em></em></p> <p><em>209 Central Avenue</em></p> <p><em>Westfield, NJ 07090</em></p> <p><em>908-301-2019 Direct Line</em></p> <p><em>908-770-4411 Cell Phone</em></p> <p><em>862-345-2903 Private Fax</em></p> <p><em>Email: <a href="mailto:Grace.Rappa@cbmoves.com">Grace.Rappa@cbmoves.com</a></em></p> <p style="text-align: left;"><em>Website: <a href="http://www.buyorsellnjhomes.com/">www.BuyOrSellNJHomes.com</a></em></p><div class='agent_signature'><p> </p> <p><span style="font-size: small;">Michael Byrne</span></p> <p>Mortgage Specialist</p> <p><a href="http://www.mortgageprosforum.com/contact_form.htm"><span style="font-size: medium;">Contact Me</span></a></p> <p><a href="http://activerain.com/blogsview/1282597/new-jersey-mortgage-banker">NJ Mortgage Banker</a>        <a href="http://activerain.com/blogsview/670849/100-financing-available-for-somerset-county-nj-with-the-usda-rd-loan">USDA Loans</a>      <a href="http://activerain.com/blogsview/1247630/new-jersey-jumbo-mortgage-rates">Jumbo Loans</a>      <a href="http://activerain.com/blogsview/1264781/fha-adjustable-rate-mortgage">FHA Loans</a>     <a href="http://activerain.com/blogsview/1279991/current-va-mortgage-rates">VA Loans</a>     <a href="http://www.mortgageprosforum.com/">my site</a></p> <p><a href="http://www.zillow.com/blog/mortgage/author/michaelbyrne/">Zillow Blog</a>   <a href="http://www.mortgageprosforum.com/contact_form.htm"></a>       <a href="http://www.refi-fhasecure.com/">My Blog </a>         <a href="http://activerain.com/blogsview/1276906/nj-stated-income-mortgage">stated income loans</a>               <a href="http://www.domoreloans.com/e_testimonials.htm?refid=naitch6203" target="_blank">Loan Officers: Do More Loans</a></p> <p>"A referral is the greatest compliment I can receive"</p></div> Michael Byrne (Chase Home Loans) Tue, 08 Dec 2009 09:36:17 -0600 http://activerain.com/blogsview/1374272/elegant-center-hall-colonial-60-old-cannon-rd-berkeley-heights-nj- http://activerain.com/blogsview/1371304/union-plus-mortgage-program Union Plus Mortgage Program <p><strong><img title="www.refi-fhasecure.com" src="http://activerain.com/image_store/uploads/2/0/5/1/0/ar126013743201502.JPG" height="125" alt="www.refi-fhasecure.com" width="100" style="float: left;" />Union Plus Mortgage Program</strong>:  As part of the AFT - A Union of Profesionals, AFT + Member Benefits are available exclusively through Chase Home Loans.  There are several different benefits available with our <strong>Union Plus Mortgage Program</strong>.  This program is only available to bona fide members of participating groups, their parents and children. I am very proud to be able to offer this program to qualified applicants.</p> <p>The primary benefits of the <strong>Union Plus Mortgage Program</strong> are as follows:</p> <p>-Savings on Closing Costs: for new purchases and refinances.  Typical closing costs charged by Chase are reduced to $100.  3<sup>rd</sup> party fees are still charged such as title insurance, appraisal, credit, mortgage recording, etc.  The closing cost rebate will be automatically applied at closing. This is a great savings, for first time homebuyers and veteran homebuyers alike.</p> <p>            -Wide array of programs to choose from- choose from fixed rate loans, FHA loans, VA loans.  <a href="http://www.mortgageprosforum.com/contact_form.htm">Contact me</a> for more details on available loan programs, as not all programs are available in all states for all loan amounts.</p> <p>            -Special Mortgage Assistance Benefit: The <strong>Union Plus Mortgage Program</strong> offers Interest-free payment assistance loans and grants to help you make your mortgage payments in the event of involuntary unemployment, disability, union-approved strike, or lockout.  Eligibility for the mortgage assistance begins one year after closing on a AFT + Mortgage through Chase. Again, <a href="http://www.mortgageprosforum.com/contact_form.htm">Contact me</a> for more information on the mortgage assistance program.</p> <p>            -Additional exclusive benefits - including hospital and college savings grants may be available.</p> <p>The mortgage assistance portion of the <strong>Union Plus Mortgage Program</strong> stands out; as this may be a huge benefit in allowing one to maintain their credit rating in the event of involuntary unemployment, disability, union-approved strike, or lookout.  I personally enjoy being able to offer this program and have taken the time to learn the program as well, so please feel free to <a href="http://www.mortgageprosforum.com/contact_form.htm">Contact me</a> to discuss this program in detail.  There is a large database of unions which participate in this program, and we check and see if your particular union participates.</p> <p><img title="www.mortgageprosforum.com" src="http://activerain.com/image_store/uploads/2/5/7/8/9/ar126013755298752.jpg" height="51" alt="www.mortgageprosforum.com" width="59" style="float: left;" />As usual, there is some disclosure necessary: All loans are subject to credit, property, approval.  Rates, terms, and conditions are subject to change without notice.  Other restrictions and limitations may apply.</p><div class='agent_signature'><p> </p> <p><span style="font-size: small;">Michael Byrne</span></p> <p>Mortgage Specialist</p> <p><a href="http://www.mortgageprosforum.com/contact_form.htm"><span style="font-size: medium;">Contact Me</span></a></p> <p><a href="http://activerain.com/blogsview/1282597/new-jersey-mortgage-banker">NJ Mortgage Banker</a>        <a href="http://activerain.com/blogsview/670849/100-financing-available-for-somerset-county-nj-with-the-usda-rd-loan">USDA Loans</a>      <a href="http://activerain.com/blogsview/1247630/new-jersey-jumbo-mortgage-rates">Jumbo Loans</a>      <a href="http://activerain.com/blogsview/1264781/fha-adjustable-rate-mortgage">FHA Loans</a>     <a href="http://activerain.com/blogsview/1279991/current-va-mortgage-rates">VA Loans</a>     <a href="http://www.mortgageprosforum.com/">my site</a></p> <p><a href="http://www.zillow.com/blog/mortgage/author/michaelbyrne/">Zillow Blog</a>   <a href="http://www.mortgageprosforum.com/contact_form.htm"></a>       <a href="http://www.refi-fhasecure.com/">My Blog </a>         <a href="http://activerain.com/blogsview/1276906/nj-stated-income-mortgage">stated income loans</a>               <a href="http://www.domoreloans.com/e_testimonials.htm?refid=naitch6203" target="_blank">Loan Officers: Do More Loans</a></p> <p>"A referral is the greatest compliment I can receive"</p></div> Michael Byrne (Chase Home Loans) Sun, 06 Dec 2009 16:14:58 -0600 http://activerain.com/blogsview/1371304/union-plus-mortgage-program http://activerain.com/blogsview/1370371/harp-mortgage-program HARP Mortgage Program <p><strong><img title="www.refi-fhasecure.com" src="http://activerain.com/image_store/uploads/3/3/8/9/2/ar126006387529833.JPG" height="125" alt="www.refi-fhasecure.com" width="100" style="float: left;" />Harp Mortgage Program</strong>:  A relatively new mortgage loan being offered to consumers by loans servicers is known as the <strong>Harp Mortgage Program</strong>.  The primary benefit of this loan program is that it is designed to provide a reduction in mortgage rate those who could not otherwise refinance, due to decreasing home values.  A secondary benefit of this loan program is the streamlined documentation requirements.  As a Chase Home Loan Mortgage Consultant, I can look up any mortgage loan currently serviced by Chase to see if that particular loan is eligible for the <strong>Harp Mortgage Program</strong>.  Loans originated by Washington Mutual, that are currently serviced by Chase, can be reviewed as well to see if they are eligible for the <strong>Harp Mortgage Program</strong>.</p> <p>One major benefit of the <strong>Harp Mortgage Program</strong> is that if you originally put 20% down or more on your purchase of your home; or if you refinanced at an 80% or lower loan to value originally, you will not incur a mortgage insurance charge for your new loan, regardless of the loan to value.  Some restrictions may apply, but this is generally the case.  Those who did have Mortgage Insurance in place and who are eligible for the <strong>HARP Mortgage Program </strong>will most likely not have an increase in their Mortgage Insurance premiums regardless of the loan to value.  Again, restrictions may apply and not all loans in the Chase portfolio qualify for the HARP program. </p> <p>Our <strong>HARP Mortgage Program</strong> is a 30 Year Fixed Rate Mortgage, and terms can vary based on credit rating, property type, and combined loan to value.</p> <p>The basic criteria that help to determine if you are eligible for a <strong>HARP Mortgage Program</strong> boil down to the type of loan you originally obtained: typically the loans ought to be serviced by Fannie Mae, be originally a full documentation loan, and have a strong 12 month mortgage history.  Being more than a 1 times 30 day late in the last 12 months will disqualify one from the program.</p> <p>All in all, if you have a Chase serviced mortgage loan and would like to see if you qualify for <strong>HARP Mortgage Program</strong> for streamlined refinancing, please contact me to determine your eligibility!</p> <p> <img title="equal housing" src="http://activerain.com/image_store/uploads/2/3/0/8/2/ar126006374028032.jpg" height="101" alt="equal housing" width="86" style="float: left;" /></p> <p> </p><div class='agent_signature'><p> </p> <p><span style="font-size: small;">Michael Byrne</span></p> <p>Mortgage Specialist</p> <p><a href="http://www.mortgageprosforum.com/contact_form.htm"><span style="font-size: medium;">Contact Me</span></a></p> <p><a href="http://activerain.com/blogsview/1282597/new-jersey-mortgage-banker">NJ Mortgage Banker</a>        <a href="http://activerain.com/blogsview/670849/100-financing-available-for-somerset-county-nj-with-the-usda-rd-loan">USDA Loans</a>      <a href="http://activerain.com/blogsview/1247630/new-jersey-jumbo-mortgage-rates">Jumbo Loans</a>      <a href="http://activerain.com/blogsview/1264781/fha-adjustable-rate-mortgage">FHA Loans</a>     <a href="http://activerain.com/blogsview/1279991/current-va-mortgage-rates">VA Loans</a>     <a href="http://www.mortgageprosforum.com/">my site</a></p> <p><a href="http://www.zillow.com/blog/mortgage/author/michaelbyrne/">Zillow Blog</a>   <a href="http://www.mortgageprosforum.com/contact_form.htm"></a>       <a href="http://www.refi-fhasecure.com/">My Blog </a>         <a href="http://activerain.com/blogsview/1276906/nj-stated-income-mortgage">stated income loans</a>               <a href="http://www.domoreloans.com/e_testimonials.htm?refid=naitch6203" target="_blank">Loan Officers: Do More Loans</a></p> <p>"A referral is the greatest compliment I can receive"</p></div> Michael Byrne (Chase Home Loans) Sat, 05 Dec 2009 19:47:32 -0600 http://activerain.com/blogsview/1370371/harp-mortgage-program http://activerain.com/blogsview/1370184/mercer-county-mortgage Mercer County Mortgage <p><strong>Mercer County Mortgage</strong> Loan Programs abound, as there are a variety of available loan options for first-time buyers, those "upsizing" or "downsizing", or those who simply wish to refinance their existing mortgage.  <strong>Mercer County Mortgage </strong>loans include and are not limited to: FHA Mortgages, VA Loans, Fannie Mae Loans, Adjustable Rate Mortgages, Jumbo Mortgage Loans, Union Plus Loans and Harp Loans.  We will review briefly each type of loan listed above to go over the programs we offer as a New Jersey Mortgage Banker.  We offer additional mortgage programs as a broker as well, giving us the ability to offer the best of both worlds.   For a direct quote on any particular program, please <a href="http://www.mortgageprosforum.com/contact_form.htm">contact me</a> or feel free to call me directly at 908 531 6170.  Here is a synopsis of several of our different loan programs:</p> <p>FHA Mortgages are very popular among our<strong> Mercer County Mortgage </strong>loans, as a large portion of our loans is through FHA and we have FHA Approved underwriters on staff.  We offer the traditional 203B, 3.5% down FHA Purchase Money loan as well as refinancing options.  <a href="http://activerain.com/blogsview/1264781/fha-adjustable-rate-mortgage">Here</a> is a recent blog I wrote about the FHA Adjustable Rate Mortgage Program.  The fixed rate program is super as well.</p> <p><img title="www.refi-fhasecure.com" src="http://activerain.comhttp://activerain.com/image_store/uploads/5/1/8/2/8/ar125571629182815.gif" height="108" alt="www.refi-fhasecure.com" width="200" />VA Mortgages: 100% financing for qualified veterans is a great loan program for veteran first-time homebuyers and seasoned homebuyers alike.  With VA approved underwriters on staff, we offer in-house underwriting for VA Loans.  <a href="http://activerain.com/blogsview/1279991/current-va-mortgage-rates">Here</a> is a recent blog I wrote with some basic information regarding the VA Mortgage Program.</p> <p>HARP Loans: there are some loans qualified for the Harp Loan program for loans we currently service.  As a New Jersey Mortgage Banker, we underwrite and fund these loans ourselves.  The HARP loan program is great because the loans often have limited loan documentation requirements and the Loan-to-Value can exceed the usual guidelines.  This is a great program for refinancing even if your home may have depreciated in value due to the recent economic climate.</p> <p><img title="www.refi-fhasecure.com" src="http://activerain.comhttp://activerain.com/image_store/uploads/4/7/3/3/8/ar125571644883374.jpg" height="100" alt="www.refi-fhasecure.com" width="77" />Jumbo Mortgage Loans:  We have <strong>Mercer County Mortgage </strong>loans with true Jumbo Mortgage programs on a brokered basis.  Although many parts of NJ have benefitted from the "super-conforming" loan limits, some areas still have relatively low loan limits.  The Princeton area comes to mind, for one with a 440k loan limit.   Here is a <a href="http://activerain.com/blogsview/1247630/new-jersey-jumbo-mortgage-rates">recent blog</a> about our true jumbo programs in NJ.</p> <p>Union Plus Mortgage Program:  We offer a specific program that benefits qualified and particpating Union members for exclusive financing.  Benefits include reduced closing costs, as well as a Special Mortgage Assistance Benefit: interest-free payment assistance loans and grants to help you make your mortgage payments in the event of involuntary unemployment, disability, union-approved strike, or lockout.*</p> <p>For more information on the <strong>Mercer County Mortgage </strong>loans we offer<strong>, </strong>use my <a href="http://www.mortgageprosforum.com/contact_form.htm">contact form</a> or call me at 908 531 6170.</p> <p>* Eligibility begins one year after closing, benefit applies to only bona fide members of participating unions, and other restrictions and/or limitations may apply.</p><div class='agent_signature'><p> </p> <p><span style="font-size: small;">Michael Byrne</span></p> <p>Mortgage Specialist</p> <p><a href="http://www.mortgageprosforum.com/contact_form.htm"><span style="font-size: medium;">Contact Me</span></a></p> <p><a href="http://activerain.com/blogsview/1282597/new-jersey-mortgage-banker">NJ Mortgage Banker</a>        <a href="http://activerain.com/blogsview/670849/100-financing-available-for-somerset-county-nj-with-the-usda-rd-loan">USDA Loans</a>      <a href="http://activerain.com/blogsview/1247630/new-jersey-jumbo-mortgage-rates">Jumbo Loans</a>      <a href="http://activerain.com/blogsview/1264781/fha-adjustable-rate-mortgage">FHA Loans</a>     <a href="http://activerain.com/blogsview/1279991/current-va-mortgage-rates">VA Loans</a>     <a href="http://www.mortgageprosforum.com/">my site</a></p> <p><a href="http://www.zillow.com/blog/mortgage/author/michaelbyrne/">Zillow Blog</a>   <a href="http://www.mortgageprosforum.com/contact_form.htm"></a>       <a href="http://www.refi-fhasecure.com/">My Blog </a>         <a href="http://activerain.com/blogsview/1276906/nj-stated-income-mortgage">stated income loans</a>               <a href="http://www.domoreloans.com/e_testimonials.htm?refid=naitch6203" target="_blank">Loan Officers: Do More Loans</a></p> <p>"A referral is the greatest compliment I can receive"</p></div> Michael Byrne (Chase Home Loans) Sat, 05 Dec 2009 17:02:42 -0600 http://activerain.com/blogsview/1370184/mercer-county-mortgage http://activerain.com/blogsview/1369260/ufc-tuf-finale UFC: TUF Finale <p>Well, I am back for a post on the UFC finale taking place this Saturday.  The card should be called either "Ground Control to Major Tom" or "Houston, Kimbo has a problem".  Most bouts will be decided by the takedown and ground work, or lack thereof. </p> <p>Here is the main card and my predictions:</p> <p>Jon Jones vs <strong>Matt Hamill:</strong>  Hamill shows his heavy hands and pounds out Jnes on the ground.  I think Bones Jones is the future of the sport, but Hamill grinds it out on the ground.<br /><br /><strong>Roy Nelson</strong> vs Brendan Schaub:  Nelson eventually gets Schaub down and gets the stoppage in the 2nd round.<br /><br />Kimbo Slice vs <strong>Houston Alexander:  </strong>Houston throws a weight cutting Kimbo around like a rag doll.<br /><br /><strong>Frank Edgar</strong> vs Matt Veach:  Frankie Edgar controls the match on the ground.<br /><br /><strong>Marcus Jones</strong> vs Matt Mitrione:  The Darkness gets the sub on the ground.</p> <p> </p> <p>Thoughts?</p> <p> </p> <p> </p><div class='agent_signature'><p> </p> <p><span style="font-size: small;">Michael Byrne</span></p> <p>Mortgage Specialist</p> <p><a href="http://www.mortgageprosforum.com/contact_form.htm"><span style="font-size: medium;">Contact Me</span></a></p> <p><a href="http://activerain.com/blogsview/1282597/new-jersey-mortgage-banker">NJ Mortgage Banker</a>        <a href="http://activerain.com/blogsview/670849/100-financing-available-for-somerset-county-nj-with-the-usda-rd-loan">USDA Loans</a>      <a href="http://activerain.com/blogsview/1247630/new-jersey-jumbo-mortgage-rates">Jumbo Loans</a>      <a href="http://activerain.com/blogsview/1264781/fha-adjustable-rate-mortgage">FHA Loans</a>     <a href="http://activerain.com/blogsview/1279991/current-va-mortgage-rates">VA Loans</a>     <a href="http://www.mortgageprosforum.com/">my site</a></p> <p><a href="http://www.zillow.com/blog/mortgage/author/michaelbyrne/">Zillow Blog</a>   <a href="http://www.mortgageprosforum.com/contact_form.htm"></a>       <a href="http://www.refi-fhasecure.com/">My Blog </a>         <a href="http://activerain.com/blogsview/1276906/nj-stated-income-mortgage">stated income loans</a>               <a href="http://www.domoreloans.com/e_testimonials.htm?refid=naitch6203" target="_blank">Loan Officers: Do More Loans</a></p> <p>"A referral is the greatest compliment I can receive"</p></div> Michael Byrne (Chase Home Loans) Fri, 04 Dec 2009 21:04:02 -0600 http://activerain.com/blogsview/1369260/ufc-tuf-finale http://activerain.com/blogsview/1359973/loan-officer-marketing Loan Officer Marketing <p><strong>Loan Officer Marketing</strong>: I have been using a <a href="http://wwww.domoreloans.com/e_testimonials.htm?refid=naitch6203" target="blank_">website</a> software/subscription to <a href="http://wwww.domoreloans.com/e_testimonials.htm?refid=naitch6203" target="_top">create websites</a> for real estate agent's listings. Since I use and see the value in the service, I became a sales affiliate. The websites then get submitted to Craigs-List every 4 days or so, as well as several other real estate listing sites such as Trulia, Zillow, ELooky Loo, and more. I then solicit agents who have listings to help them with <a href="http://wwww.domoreloans.com/e_testimonials.htm?refid=naitch6203" target="blank_">marketing</a> by creating websites, and all I ask for in return is mortgage financing referrals and to develop a business relationship. Many agents currently pay good money for sites that are not as high quality as the sites I create for them. I have agents who prefer the brochures available as well from the sites created using this <strong>Loan Officer Marketing</strong> service.</p> <p>Here are the sites I have now: <a href="http://www.epropertysites.com/consolidated.htm?&id=1221661123" title="click here" target="_self">Click Here to View</a> I have a page on each individual website to market my financing services as well.</p><iframe name="ePropFrame" src="http://www.epropertysites.com/fpropc.htm?id=1221661123&p=a&s=s&l=v&kc=FFFFFF&bc=CCCCCC&fc=4F493B&t=Featured^Properties" frameborder="0" height="225" scrolling="no" width="155"></iframe> <p> </p> <p>I have found this service to be a piece of <strong>Loan <a href="http://wwww.domoreloans.com/e_testimonials.htm?refid=naitch6203">Officer</a> Marketing</strong> and a win-win program. You can use this service to go out and establish real estate agent referrals: I am not just asking them for business but rather helping us both generate business. This is a great way to get your foot in the door with top listing agents. It also makes me feel more confident when cold calling agents, as I have a service that will help us both work to generate business through my own <strong>Loan Officer Marketing</strong>.<br /><br />This <strong>Loan Officer Marketing</strong> system is relatively inexpensive monthly and allows for up to 150 websites to be created. 1 loan a year pays for the service, depending on your pricing<br /><br />My sites average 25-35 hits a week and have several top agents signed up and 57 sites going, putting my name out there and getting hits each and every day. It is a great system for <strong>Loan Officer Marketing</strong>.<br /><br />The current cost is $249/month for up to 150 websites. Personal success coaching as well as low or even no fee time trials available. <br /><br />Check it out by clicking below or copy and paste the url into your browser:<br /><br /><a href="http://www.brokeroutpost.com/loans/extclickverify.asp?url=http://www.domoreloans.com/e_testimonials.htm?refid=naitch6203" target="_blank">http://www.domoreloans.com/e_testimonials.htm?refid=naitch6203</a></p> <p>Good luck and give this <strong>Loan Officer Marketing</strong> program a shot!</p><div class='agent_signature'><p> </p> <p><span style="font-size: small;">Michael Byrne</span></p> <p>Mortgage Specialist</p> <p><a href="http://www.mortgageprosforum.com/contact_form.htm"><span style="font-size: medium;">Contact Me</span></a></p> <p><a href="http://activerain.com/blogsview/1282597/new-jersey-mortgage-banker">NJ Mortgage Banker</a>        <a href="http://activerain.com/blogsview/670849/100-financing-available-for-somerset-county-nj-with-the-usda-rd-loan">USDA Loans</a>      <a href="http://activerain.com/blogsview/1247630/new-jersey-jumbo-mortgage-rates">Jumbo Loans</a>      <a href="http://activerain.com/blogsview/1264781/fha-adjustable-rate-mortgage">FHA Loans</a>     <a href="http://activerain.com/blogsview/1279991/current-va-mortgage-rates">VA Loans</a>     <a href="http://www.mortgageprosforum.com/">my site</a></p> <p><a href="http://www.zillow.com/blog/mortgage/author/michaelbyrne/">Zillow Blog</a>   <a href="http://www.mortgageprosforum.com/contact_form.htm"></a>       <a href="http://www.refi-fhasecure.com/">My Blog </a>         <a href="http://activerain.com/blogsview/1276906/nj-stated-income-mortgage">stated income loans</a>               <a href="http://www.domoreloans.com/e_testimonials.htm?refid=naitch6203" target="_blank">Loan Officers: Do More Loans</a></p> <p>"A referral is the greatest compliment I can receive"</p></div> Michael Byrne (Chase Home Loans) Sun, 29 Nov 2009 17:37:29 -0600 http://activerain.com/blogsview/1359973/loan-officer-marketing http://activerain.com/blogsview/1359962/real-estate-agent-marketing Real Estate Agent Marketing <p><strong><img title="www.refi-fhasecure.com" src="http://activerain.com/image_store/uploads/6/7/6/2/9/ar12595367192676.JPG" height="110" alt="Mike" width="88" style="float: left;" />Real Estate Agent Marketing</strong>:  In today's real estate market, it is very important to have a strong internet presence that is searchable by consumers. I am reaching out to you on behalf of Activerain to see if you are familiar with the "Rainmaker" Program. ActiveRain is the largest real estate social networking site in the world, with over 160,000 members currently.</p> <p>I have successfully increased my business over 50% over the past year by using blogs to increase my internet exposure.  I have written about loan products that drive consumers to call me, rather than calling and soliciting consumers. I decide to become an ActiveRain Confirmed Loan Officer to spread the word about their blogging program. I would like to show you how you too can market your listings and generate buyers as well.  There are a number of google searches where I appear on the first page of google as a result of my writing on activerain, making Activerain one of the better <strong>Real Estate Agent Marketing </strong>tools to use<strong>.</strong></p> <p>As a loan officer I would like to help you and create a business relationship based on growing and earning your business, not just simply soliciting your business.  By utilizing the Activerain <strong>Real Estate Agent Marketing, </strong>I feel we can create a win-win situation.  I can show you how to make your listings searchable, and position you as a local real estate agent of choice via an internet search.</p> <p>I can offer you a 1 month trial for just $5 to see how activerain can work best for you, and I can help you write several blogs which will increase your internet presence and hopefully get you on the first page of google as well. Key the following code into your browser only after completing your free initial registration and logging in: <a href="http://activerain.com/promo_upgrade/mbyrne" target="_blank">http://activerain.com/promo_upgrade/mbyrne</a> , then you are ready to begin working on your <strong>Real Estate Agent Marketing.</strong></p> <p>The monthly fee after the first month is $39, if you wish to continue.  There are no contracts outside of the month in which you have paid.  If you have the time, I can share with you some of the tips I have learned to make blogging a profitable, affordable activity.  As an activerain confirmed loan officer, I have received training on internet searches and am willing to be your personal internet coach once you have upgraded to help you take full advantage of the system.</p> <p>Good luck and I look forward to hearing from you!</p> <p> </p><div class='agent_signature'><p> </p> <p><span style="font-size: small;">Michael Byrne</span></p> <p>Mortgage Specialist</p> <p><a href="http://www.mortgageprosforum.com/contact_form.htm"><span style="font-size: medium;">Contact Me</span></a></p> <p><a href="http://activerain.com/blogsview/1282597/new-jersey-mortgage-banker">NJ Mortgage Banker</a>        <a href="http://activerain.com/blogsview/670849/100-financing-available-for-somerset-county-nj-with-the-usda-rd-loan">USDA Loans</a>      <a href="http://activerain.com/blogsview/1247630/new-jersey-jumbo-mortgage-rates">Jumbo Loans</a>      <a href="http://activerain.com/blogsview/1264781/fha-adjustable-rate-mortgage">FHA Loans</a>     <a href="http://activerain.com/blogsview/1279991/current-va-mortgage-rates">VA Loans</a>     <a href="http://www.mortgageprosforum.com/">my site</a></p> <p><a href="http://www.zillow.com/blog/mortgage/author/michaelbyrne/">Zillow Blog</a>   <a href="http://www.mortgageprosforum.com/contact_form.htm"></a>       <a href="http://www.refi-fhasecure.com/">My Blog </a>         <a href="http://activerain.com/blogsview/1276906/nj-stated-income-mortgage">stated income loans</a>               <a href="http://www.domoreloans.com/e_testimonials.htm?refid=naitch6203" target="_blank">Loan Officers: Do More Loans</a></p> <p>"A referral is the greatest compliment I can receive"</p></div> Michael Byrne (Chase Home Loans) Sun, 29 Nov 2009 17:17:28 -0600 http://activerain.com/blogsview/1359962/real-estate-agent-marketing http://activerain.com/blogsview/1359961/mortgage-broker-marketing Mortgage Broker Marketing <p><strong>Mortg<img title="www.refi-fhasecure.com" src="http://activerain.com/image_store/uploads/7/6/7/1/3/ar125953633431767.JPG" height="125" alt="www.refi-fhasecure.com" width="125" style="float: left;" />age Broker Marketing</strong>:  In today's real estate market, it is very important to have a strong internet presence that is searchable by consumers. I am reaching out to you on behalf of Activerain to see if you are familiar with the "Rainmaker" Program. ActiveRain is the largest real estate social networking site in the world, with over 160,000 members currently.</p> <p>I have successfully increased my business over 50% over the past year by using blogs to increase my internet exposure.  I have written about loan products that drive consumers to call me, rather than calling and soliciting consumers. I decide to become an ActiveRain Confirmed Loan Officer to spread the word about their blogging program. I would like to show you how you too can market your listings and generate buyers as well.  There are a number of google searches where I appear on the first page of google as a result of my writing on activerain, making Activerain one of the better <strong>Mortgage Broker Marketing </strong>tools to use<strong>.</strong></p> <p>As a loan officer I would like to help you and create a business relationship based on growing and earning your business, not just simply soliciting your business.  By utilizing the Activerain <strong> Mortgage Broker Marketing, </strong>I feel we can create a win-win situation.  I can show you how to make your listings searchable, and position you as a local real estate agent of choice via an internet search.</p> <p>I can offer you a 1 month trial for just $5 to see how activerain can work best for you, and I can help you write several blogs which will increase your internet presence and hopefully get you on the first page of google as well. Key the following code into your browser only after your initial registration and logging in process have been completed: <a href="http://activerain.com/promo_upgrade/mbyrne" target="_blank">http://activerain.com/promo_upgrade/mbyrne</a> , then you are ready to begin working on your <strong>Mortgage Broker</strong> <strong>Marketing.</strong></p> <p>The monthly fee after the first month is $39, if you wish to continue.  There are no contracts outside of the month in which you have paid.  If you have the time, I can share with you some of the tips I have learned to make blogging a profitable, affordable activity.  As an activerain confirmed loan officer, I have received training on internet searches and am willing to be your personal internet coach once you have upgraded to help you take full advantage of the system.</p> <p>Good luck and I look forward to hearing from you!</p><div class='agent_signature'><p> </p> <p><span style="font-size: small;">Michael Byrne</span></p> <p>Mortgage Specialist</p> <p><a href="http://www.mortgageprosforum.com/contact_form.htm"><span style="font-size: medium;">Contact Me</span></a></p> <p><a href="http://activerain.com/blogsview/1282597/new-jersey-mortgage-banker">NJ Mortgage Banker</a>        <a href="http://activerain.com/blogsview/670849/100-financing-available-for-somerset-county-nj-with-the-usda-rd-loan">USDA Loans</a>      <a href="http://activerain.com/blogsview/1247630/new-jersey-jumbo-mortgage-rates">Jumbo Loans</a>      <a href="http://activerain.com/blogsview/1264781/fha-adjustable-rate-mortgage">FHA Loans</a>     <a href="http://activerain.com/blogsview/1279991/current-va-mortgage-rates">VA Loans</a>     <a href="http://www.mortgageprosforum.com/">my site</a></p> <p><a href="http://www.zillow.com/blog/mortgage/author/michaelbyrne/">Zillow Blog</a>   <a href="http://www.mortgageprosforum.com/contact_form.htm"></a>       <a href="http://www.refi-fhasecure.com/">My Blog </a>         <a href="http://activerain.com/blogsview/1276906/nj-stated-income-mortgage">stated income loans</a>               <a href="http://www.domoreloans.com/e_testimonials.htm?refid=naitch6203" target="_blank">Loan Officers: Do More Loans</a></p> <p>"A referral is the greatest compliment I can receive"</p></div> Michael Byrne (Chase Home Loans) Sun, 29 Nov 2009 17:15:30 -0600 http://activerain.com/blogsview/1359961/mortgage-broker-marketing http://activerain.com/blogsview/1314124/flemington-nj-mortgage-loan-officer Flemington, NJ Mortgage Loan Officer <p><img title="www.refi-fhasecure.com" src="http://activerain.com/image_store/uploads/1/1/6/8/4/ar125708637348611.JPG" height="95" alt="www.refi-fhasecure.com" width="95" style="float: left;" />As a <strong>Flemington, NJ Mortgage Loan Officer</strong>, I have many programs to offer a consumer.  They include and are not limited to: FHA Mortgages, VA Loans, Fannie Mae Loans, Adjustable Rate Mortgages, USDA RD Loans, Jumbo Mortgage Loans, and Stated Income Loans.  We will review briefly each type of loan listed above to go over the programs I offer as <strong>a Flemington, NJ Mortgage Loan Officer </strong>.  I can offer additional mortgage programs as a broker as well, giving us the ability to offer the best of both worlds.   For a direct quote on any particular program, please <a href="http://www.mortgageprosforum.com/contact_form.htm">contact me</a> or call me directly at 908 531 6170.  Here is a synopsis of several of our different loan programs:</p> <p>FHA Mortgages: as a <strong>Flemington, NJ Mortgage Loan Officer</strong>, a large portion of our loans is through FHA and we have FHA Approved underwriters on staff.  We offer the traditional 203B, 3.5% down FHA Purchase Money loan as well as the FHA renovation loans known as the 203k or Streamline K loans as well. <a href="http://activerain.com/blogsview/1264781/fha-adjustable-rate-mortgage">Here</a> is a recent blog I wrote about the FHA Adjustable Rate Program.  The fixed rate program is super as well.</p> <p>VA Mortgages: 100% financing for qualified veterans is a great loan program for veteran first-time homebuyers and seasoned homebuyers alike.  With VA approved underwriters on staff, we offer in-house underwriting for VA Loans.  <a href="http://activerain.com/blogsview/1279991/current-va-mortgage-rates">Here</a> is a recent blog I wrote with some basic information regarding the VA Mortgage Program.</p> <p>USDA RD Loans: even in New Jersey, there are plenty of areas qualified for the moderate income rural <img title="www.refi-fhasecure.com" src="http://activerain.com/image_store/uploads/2/2/8/1/7/ar125708641671822.gif" height="105" alt="www.refi-fhasecure.com" width="194" style="float: right;" />development 100% financing program.  As a <strong>Flemington, NJ Mortgage Loan Officer</strong>, my company underwrites and funds these loans ourselves.  Here is <a href="http://activerain.com/blogsview/670849/100-financing-available-for-somerset-county-nj-with-the-usda-rd-loan">some info</a> on the USDA program and eligible areas in NJ.  The most important part to remember about the USDA program is you must qualify income-wise and the property location must fall within an approved area.</p> <p>Jumbo Mortgage Loans:  We offer several different true Jumbo Mortgage programs on a brokered basis.  Although many parts of NJ have benefitted from the "super-conforming" loan limits, some areas still have relatively low loan limits.  The Princeton area comes to mind, for one.  We have true jumbo loans available for those above the fannie mae loan limits.   Here is a <a href="http://activerain.com/blogsview/1247630/new-jersey-jumbo-mortgage-rates">recent blog</a> about our jumbo programs in NJ.</p> <p>Stated Income Mortgage Loans:  We do not offer the traditional "liar's loan", but rather have on a brokered basis access to Stated Income Mortgage Loans for the self-employed borrowers for which this program was originally intended.  <a href="http://activerain.com/blogsview/1276906/nj-stated-income-mortgage">This blog</a> has more information about our stated income brokered product.</p> <p>For more information on the loans we offer as a <strong>Flemington, NJ Mortgage Loan Officer, </strong>use my <a href="http://www.mortgageprosforum.com/contact_form.htm">contact form</a> or call me at 908 531 6170.</p><div class='agent_signature'><p> </p> <p><span style="font-size: small;">Michael Byrne</span></p> <p>Mortgage Specialist</p> <p><a href="http://www.mortgageprosforum.com/contact_form.htm"><span style="font-size: medium;">Contact Me</span></a></p> <p><a href="http://activerain.com/blogsview/1282597/new-jersey-mortgage-banker">NJ Mortgage Banker</a>        <a href="http://activerain.com/blogsview/670849/100-financing-available-for-somerset-county-nj-with-the-usda-rd-loan">USDA Loans</a>      <a href="http://activerain.com/blogsview/1247630/new-jersey-jumbo-mortgage-rates">Jumbo Loans</a>      <a href="http://activerain.com/blogsview/1264781/fha-adjustable-rate-mortgage">FHA Loans</a>     <a href="http://activerain.com/blogsview/1279991/current-va-mortgage-rates">VA Loans</a>     <a href="http://www.mortgageprosforum.com/">my site</a></p> <p><a href="http://www.zillow.com/blog/mortgage/author/michaelbyrne/">Zillow Blog</a>   <a href="http://www.mortgageprosforum.com/contact_form.htm"></a>       <a href="http://www.refi-fhasecure.com/">My Blog </a>         <a href="http://activerain.com/blogsview/1276906/nj-stated-income-mortgage">stated income loans</a>               <a href="http://www.domoreloans.com/e_testimonials.htm?refid=naitch6203" target="_blank">Loan Officers: Do More Loans</a></p> <p>"A referral is the greatest compliment I can receive"</p></div> Michael Byrne (Chase Home Loans) Sun, 01 Nov 2009 08:41:53 -0600 http://activerain.com/blogsview/1314124/flemington-nj-mortgage-loan-officer http://activerain.com/blogsview/1312294/free-webinar-11-3-increase-your-buyer-business Free Webinar 11/3: Increase Your Buyer Business <p>Are you ready to transform your buyer business like never before in 2010?</p><iframe name="ePropFrame" src="http://www.epropertysites.com/fpropc.htm?id=1221661123&p=a&s=s&l=v&kc=FFFFFF&bc=CCCCCC&fc=4F493B&t=Featured^Properties" frameborder="0" height="225" scrolling="no" width="155"></iframe><p>Please Join Christopher Karalis for a brief 20 minute presentation on Wednesday November 3 that will help you grow your business. Christopher Karalis is a Mortgage Broker and a valued industry expert. His firm has helped Mortgage Originators throughout North America realize their dreams of working with more Agents and doing more buyer loans.</p> <p>Space is limited.</p> <p>Get your Webinar seat now by first going here:</p> <p><a href="http://www.domoreloans.com/e_testimonials.htm?refid=naitch6203">http://www.domoreloans.com/e_testimonials.htm?refid=naitch6203</a></p> <p>Then here:</p> <p><a href="http://www.epropnews.com/emailmarketer/link.php?M=34096&N=27&L=16&F=T" rel="nofollow" target="_blank">http://www.epropnews.com/emailmarketer/link.php?M=34096&N=27&L=16&F=T</a></p> <p><br />If you are tired of chasing leads and are looking for more referral partners, this will be THE BEST 20 MINTUES YOU HAVE EVER SPENT!</p><div class='agent_signature'><p> </p> <p><span style="font-size: small;">Michael Byrne</span></p> <p>Mortgage Specialist</p> <p><a href="http://www.mortgageprosforum.com/contact_form.htm"><span style="font-size: medium;">Contact Me</span></a></p> <p><a href="http://activerain.com/blogsview/1282597/new-jersey-mortgage-banker">NJ Mortgage Banker</a>        <a href="http://activerain.com/blogsview/670849/100-financing-available-for-somerset-county-nj-with-the-usda-rd-loan">USDA Loans</a>      <a href="http://activerain.com/blogsview/1247630/new-jersey-jumbo-mortgage-rates">Jumbo Loans</a>      <a href="http://activerain.com/blogsview/1264781/fha-adjustable-rate-mortgage">FHA Loans</a>     <a href="http://activerain.com/blogsview/1279991/current-va-mortgage-rates">VA Loans</a>     <a href="http://www.mortgageprosforum.com/">my site</a></p> <p><a href="http://www.zillow.com/blog/mortgage/author/michaelbyrne/">Zillow Blog</a>   <a href="http://www.mortgageprosforum.com/contact_form.htm"></a>       <a href="http://www.refi-fhasecure.com/">My Blog </a>         <a href="http://activerain.com/blogsview/1276906/nj-stated-income-mortgage">stated income loans</a>               <a href="http://www.domoreloans.com/e_testimonials.htm?refid=naitch6203" target="_blank">Loan Officers: Do More Loans</a></p> <p>"A referral is the greatest compliment I can receive"</p></div> Michael Byrne (Chase Home Loans) Fri, 30 Oct 2009 19:07:48 -0500 http://activerain.com/blogsview/1312294/free-webinar-11-3-increase-your-buyer-business http://activerain.com/blogsview/1303587/mortgage-refinancing-tips Mortgage Refinancing Tips <p><strong>Mortgage refinancing tips</strong>: In our current low rate market, many lenders are inundated with loan requests.<img title="www.refi-fhasecure.com" src="http://activerain.com/image_store/uploads/8/2/0/1/7/ar125656567571028.JPG" height="95" alt="www.refi-fhasecure.com" width="95" style="float: right;" /> Current turn times to close a loan are still around 30 days, giving we receive the necessary documentation in a timely manner. The tightening of the secondary market for <a href="http://activerain.com/blogsview/1002439/Jumbo-Mortgage-Rates-Ease-in-New-Jersey">Jumbo Loans</a> , <a href="http://activerain.com/blogsview/962477/FHA-and-VA-Mortgages-Tightening-on-the-Horizon">FHA and Va Loans</a> , and Fannie Mae loans.  In addition to shopping for a good rate with a competent Loan Officer, here are some basic <strong>Mortgage Refinancing tips</strong> to help you close within 30 days on a refinance transaction at the current market rates:</p> <p>•-          Get an approximate current market value of your home prior to an Appraisal<strong>.</strong>  Online sites such as <a href="http://www.zillow.com/">zillow</a> will give you a ballpark of your current market value.  A phone call to the real agent professional who helped you purchase your home is a better idea.  The most disappointing the thing about our current market is seeing someone who is otherwise well-qualified to refinance have an appraisal come in too low to obtain financing that makes financial sense.</p> <p>•-          Check your credit.  Your <a href="http://www.activerain.com/michaelbyrne">mortgage professional</a> should review your credit with you prior to sending you a loan proposal.  Keep in mind inquiries within the same industry within a 30 day period will generally only count as 1 credit inquiry on your credit report.  You can also go online and obtain a free copy of your consumer credit report from many sources to review your credit report for accuracy.  If your score needs some massaging, here are some tips: <a href="http://activerain.com/blogsview/624190/Your-Credit-Rating-a-Few-Tips-For-Those-Who-Pay-Their-Bills-On-Time">Your Credit Rating: a Few Tips For Those Who Pay Their Bills On Time</a> . </p> <p>•-          Have your documentation ready.  Lenders now will require the following for a standard full documentation loan:</p> <p>- <em>2 years w-2's(and </em>signed<em> tax returns in many cases), </em></p> <p><em>- 1 month paystubs(or pension/SSI receipts), </em></p> <p><em>- 2 full months asset statements-</em>ALL PAGES<strong>,</strong></p> <p><strong>- </strong>L<em>egible photo ID, a copy of a phone bill with phone # and address, </em></p> <p><em>- Your homeowners insurance declaration page.  </em></p> <p><em>- Other documentation may include a VA Certifcate of Eligibility(for VA Loans), a credit explanation, and even a job history explanation</em>. </p> <p>People in Condominiums may need to ask their association to fill out paperwork regarding the Association as well.  Other documentation may be required after loan underwriting as well, including a possible review appraisal in many cases. Of all of the <strong>mortgage refinancing tips</strong> I could state, having your documentation is the most important.</p> <p>•-          Ask questions.  Your Loan Officer should be able to respond to your questions in a timely manner, and should manage expectations properly.  Many LO's such as myself make themselves available after business hours and on weekends to answer questions via email and by phone.  Demand excellence from your Loan Officer.</p> <p>In today's market, lenders are wary of fraud as well as unsaleable loans in the secondary market.  Loan Officers want to make loans, and want to ensure they are making good solid loans in this unstable market.  I hope these <strong>mortgage refinancing tips</strong> help!</p> <p> <img title="www.refi-fhasecure.com" src="http://activerain.com/image_store/uploads/7/2/0/1/3/ar125656573131027.jpg" height="100" alt="www.refi-fhasecure.com" width="100" style="vertical-align: text-bottom;" /></p><div class='agent_signature'><p> </p> <p><span style="font-size: small;">Michael Byrne</span></p> <p>Mortgage Specialist</p> <p><a href="http://www.mortgageprosforum.com/contact_form.htm"><span style="font-size: medium;">Contact Me</span></a></p> <p><a href="http://activerain.com/blogsview/1282597/new-jersey-mortgage-banker">NJ Mortgage Banker</a>        <a href="http://activerain.com/blogsview/670849/100-financing-available-for-somerset-county-nj-with-the-usda-rd-loan">USDA Loans</a>      <a href="http://activerain.com/blogsview/1247630/new-jersey-jumbo-mortgage-rates">Jumbo Loans</a>      <a href="http://activerain.com/blogsview/1264781/fha-adjustable-rate-mortgage">FHA Loans</a>     <a href="http://activerain.com/blogsview/1279991/current-va-mortgage-rates">VA Loans</a>     <a href="http://www.mortgageprosforum.com/">my site</a></p> <p><a href="http://www.zillow.com/blog/mortgage/author/michaelbyrne/">Zillow Blog</a>   <a href="http://www.mortgageprosforum.com/contact_form.htm"></a>       <a href="http://www.refi-fhasecure.com/">My Blog </a>         <a href="http://activerain.com/blogsview/1276906/nj-stated-income-mortgage">stated income loans</a>               <a href="http://www.domoreloans.com/e_testimonials.htm?refid=naitch6203" target="_blank">Loan Officers: Do More Loans</a></p> <p>"A referral is the greatest compliment I can receive"</p></div> Michael Byrne (Chase Home Loans) Mon, 26 Oct 2009 09:02:47 -0500 http://activerain.com/blogsview/1303587/mortgage-refinancing-tips http://activerain.com/blogsview/1303542/jumbo-mortgage-rates-in-nj Jumbo Mortgage Rates in NJ <p><strong>Jumbo Mortgage Rates in NJ</strong> have eased a bit as of late.  Despite the news of tightening of the credit markets, it appears that after long last that there is a bit of easing in the Jumbo Mortgage Market.   We have established investor relationships in order to offer many different jumbo loan programs.  It seems that many portfolio lenders still have an appetite for jumbo loans in New Jersey.</p> <p>Current highlights for <strong>Jumbo Mortgage Rates in NJ</strong> include great jumbo rates even where the Conforming High Balance loan limit was not raised significantly in areas such as Mercer County, Atlantic County, and Burlington Counties.  In other areas such as Essex County and Union County, we can offer financing on jumbo loans to 1,500,000 and above.  </p> <p>Fully documented loans for <strong>Jumbo Mortgage Rates in NJ</strong> are available with a 20% down payment or 20% equity in refinances on loan amounts up to 1 Million.  Excellent rates are available on 5/1, 7/1, and 10/1 ARM Programs, as well as the standard fixed rates.  Call or email <a href="http://www.activerain.com/michaelbyrne">me</a> for customized quotes and details on a loan program for you.</p> <p>A recent client of mine has taken a relatively novel approach: he is using an interest-only ARM as a means of <strong>accerelating </strong>his mortgage, rather than making just the minimum interest payment.  While I do not recommend interest-only Jumbo Mortgage Rates for everyone, there is a benefit to many who are familiar with a how an interest-only loan works.</p> <p>Stated Income programs for the self-employed and No-doc loans are slowly coming around as well.  Call for specific details on these <strong>Jumbo Mortgage Rates in NJ</strong>, and for all programs as a specific program can be tailored to your needs.</p> <p> All in all, it appears that slowly but surely credit is beginning to loosen for qualified borrowers!</p> <p> </p><div class='agent_signature'><p> </p> <p><span style="font-size: small;">Michael Byrne</span></p> <p>Mortgage Specialist</p> <p><a href="http://www.mortgageprosforum.com/contact_form.htm"><span style="font-size: medium;">Contact Me</span></a></p> <p><a href="http://activerain.com/blogsview/1282597/new-jersey-mortgage-banker">NJ Mortgage Banker</a>        <a href="http://activerain.com/blogsview/670849/100-financing-available-for-somerset-county-nj-with-the-usda-rd-loan">USDA Loans</a>      <a href="http://activerain.com/blogsview/1247630/new-jersey-jumbo-mortgage-rates">Jumbo Loans</a>      <a href="http://activerain.com/blogsview/1264781/fha-adjustable-rate-mortgage">FHA Loans</a>     <a href="http://activerain.com/blogsview/1279991/current-va-mortgage-rates">VA Loans</a>     <a href="http://www.mortgageprosforum.com/">my site</a></p> <p><a href="http://www.zillow.com/blog/mortgage/author/michaelbyrne/">Zillow Blog</a>   <a href="http://www.mortgageprosforum.com/contact_form.htm"></a>       <a href="http://www.refi-fhasecure.com/">My Blog </a>         <a href="http://activerain.com/blogsview/1276906/nj-stated-income-mortgage">stated income loans</a>               <a href="http://www.domoreloans.com/e_testimonials.htm?refid=naitch6203" target="_blank">Loan Officers: Do More Loans</a></p> <p>"A referral is the greatest compliment I can receive"</p></div> Michael Byrne (Chase Home Loans) Mon, 26 Oct 2009 08:36:22 -0500 http://activerain.com/blogsview/1303542/jumbo-mortgage-rates-in-nj http://activerain.com/blogsview/1301671/atlantic-county-mortgage-loan-programs- Atlantic County Mortgage Loan Programs <p><strong>Atlantic County Mortgage Loan Programs</strong> abound, as there are a variety of available loan options for first-time buyers, those "upsizing" or "downsizing", or those who simply wish to refinance their existing mortgage.  <strong>Atlantic</strong> <strong>County Mortgage Loan Programs</strong> include and are not limited to: FHA Mortgages, VA Loans, Fannie Mae Loans, Adjustable Rate Mortgages, USDA RD Loans, Jumbo Mortgage Loans, and Stated Income Loans.  We will review briefly each type of loan listed above to go over the programs we offer as <strong>a </strong>New Jersey Mortgage Banker.  We offer additional mortgage programs as a broker as well, giving us the ability to offer the best of both worlds.   For a direct quote on any particular program, please <a href="http://www.mortgageprosforum.com/contact_form.htm">contact me</a> or call me directly at 908 531 6170.  Here is a synopsis of several of our different loan programs:</p> <p>Currently I am working on an investment property purchase in Egg Harbor Township.  It appears that there are many oportunities to purchase nice properties with strong cash flow in many parts of Atlantic County.  Second home financing is also plentiful currently for those looking to purchase or refinance a second home</p> <p>FHA Mortgages are very popular among our<strong> Atlantic County Mortgage Loan Programs</strong>, as a large portion of our loans is through FHA and we have FHA Approved underwriters on staff.  We offer the traditional 203B, 3.5% down FHA Purchase Money loan as well as refinancing options.  <a href="http://activerain.com/blogsview/1264781/fha-adjustable-rate-mortgage">Here</a> is a recent blog I wrote about the FHA Adjustable Rate Mortgage Program.  The fixed rate program is super as well.</p> <p>Jumbo Mortgage Loans:  We have <strong>Atlantic County Mortgage Loan Programs</strong> with true Jumbo Mortgage programs on a brokered basis.  Although many parts of NJ have benefitted from the "super-conforming" loan limits, some areas still have relatively low loan limits.  Atlantic County's loan limit is just $453,000 currently.   Here is a <a href="http://activerain.com/blogsview/1247630/new-jersey-jumbo-mortgage-rates">recent blog</a> about our jumbo programs in NJ.</p> <p>USDA RD Loans: in much of Atlantic County, New Jersey, there are areas qualified for the moderate income rural development 100% financing program.  As a New Jersey Mortgage Banker, we underwrite and fund these loans ourselves.  Here is <a href="http://activerain.com/blogsview/670849/100-financing-available-for-somerset-county-nj-with-the-usda-rd-loan">some info</a> on the USDA program and eligible areas in NJ.  The most important part to remember about the USDA program is you must qualify income-wise and the property location must fall within an approved area.</p> <p>VA Mortgages: 100% financing for qualified veterans is a great loan program for veteran first-time homebuyers and seasoned homebuyers alike.  With VA approved underwriters on staff, we offer in-house underwriting for VA Loans.  <a href="http://activerain.com/blogsview/1279991/current-va-mortgage-rates">Here</a> is a recent blog I wrote with some basic information regarding the VA Mortgage Program.</p> <p>Stated Income Mortgage Loans:  We do not offer the traditional "liar's loan", but rather have on a brokered basis access to Stated Income Mortgage Loans for the self-employed borrowers for which this program was originally intended.  <a href="http://activerain.com/blogsview/1276906/nj-stated-income-mortgage">This blog</a> has more information about our stated income brokered product.</p> <p>For more information on the <strong>Atlantic County Mortgage Loan Programs</strong> we offer<strong>, </strong>use my <a href="http://www.mortgageprosforum.com/contact_form.htm">contact form</a> or call me at 908 531 6170.<img title="www.refi-fhasecure.com" src="http://activerain.comhttp://activerain.com/image_store/uploads/3/3/4/2/6/ar125631784662433.jpg" height="95" alt="www.refi-fhasecure.com" width="95" /></p> <p> </p><div class='agent_signature'><p> </p> <p><span style="font-size: small;">Michael Byrne</span></p> <p>Mortgage Specialist</p> <p><a href="http://www.mortgageprosforum.com/contact_form.htm"><span style="font-size: medium;">Contact Me</span></a></p> <p><a href="http://activerain.com/blogsview/1282597/new-jersey-mortgage-banker">NJ Mortgage Banker</a>        <a href="http://activerain.com/blogsview/670849/100-financing-available-for-somerset-county-nj-with-the-usda-rd-loan">USDA Loans</a>      <a href="http://activerain.com/blogsview/1247630/new-jersey-jumbo-mortgage-rates">Jumbo Loans</a>      <a href="http://activerain.com/blogsview/1264781/fha-adjustable-rate-mortgage">FHA Loans</a>     <a href="http://activerain.com/blogsview/1279991/current-va-mortgage-rates">VA Loans</a>     <a href="http://www.mortgageprosforum.com/">my site</a></p> <p><a href="http://www.zillow.com/blog/mortgage/author/michaelbyrne/">Zillow Blog</a>   <a href="http://www.mortgageprosforum.com/contact_form.htm"></a>       <a href="http://www.refi-fhasecure.com/">My Blog </a>         <a href="http://activerain.com/blogsview/1276906/nj-stated-income-mortgage">stated income loans</a>               <a href="http://www.domoreloans.com/e_testimonials.htm?refid=naitch6203" target="_blank">Loan Officers: Do More Loans</a></p> <p>"A referral is the greatest compliment I can receive"</p></div> Michael Byrne (Chase Home Loans) Sat, 24 Oct 2009 18:56:29 -0500 http://activerain.com/blogsview/1301671/atlantic-county-mortgage-loan-programs- http://activerain.com/blogsview/1299849/monmouth-county-mortgage-loan-programs Monmouth County Mortgage Loan Programs <p><strong><img title="www.refi-fhasecure.com" src="http://activerain.com/image_store/uploads/9/0/9/4/8/ar125631790584909.gif" height="95" alt="www.refi-fhasecure.com" width="95" style="float: left;" />Monmouth County Mortgage Loan Programs</strong> abound, as there are a variety of available loan options for first-time buyers, those "upsizing" or "downsizing", or those who simply wish to refinance their existing mortgage.  <strong>Monmouth County Mortgage Loan Programs</strong> include and are not limited to: FHA Mortgages, VA Loans, Fannie Mae Loans, Adjustable Rate Mortgages, USDA RD Loans, Jumbo Mortgage Loans, and Stated Income Loans.  We will review briefly each type of loan listed above to go over the programs we offer as <strong>a </strong>New Jersey Mortgage Banker.  We offer additional mortgage programs as a broker as well, giving us the ability to offer the best of both worlds.   For a direct quote on any particular program, please <a href="http://www.mortgageprosforum.com/contact_form.htm">contact me</a> or call me directly at 908 531 6170.  Here is a synopsis of several of our different loan programs:</p> <p>FHA Mortgages are very popular among our<strong> Monmouth County Mortgage Loan Programs</strong>, as a large portion of our loans is through FHA and we have FHA Approved underwriters on staff.  We offer the traditional 203B, 3.5% down FHA Purchase Money loan as well as refinancing options.  <a href="http://activerain.com/blogsview/1264781/fha-adjustable-rate-mortgage">Here</a> is a recent blog I wrote about the FHA Adjustable Rate Mortgage Program.  The fixed rate program is super as well.</p> <p>Jumbo Mortgage Loans:  We have <strong>Monmouth County Mortgage Loan Programs</strong> with true Jumbo Mortgage programs on a brokered basis.  Although many parts of NJ have benefitted from the "super-conforming" loan limits, some areas still have relatively low loan limits.  Monmouth County's loan limit is $729,000 currently.   Here is a <a href="http://activerain.com/blogsview/1247630/new-jersey-jumbo-mortgage-rates">recent blog</a> about our jumbo programs in NJ.</p> <p>USDA RD Loans: particularly in western Monmouth County, New Jersey, there are areas qualified for the moderate income rural development 100% financing program.  As a New Jersey Mortgage Banker, we underwrite and fund these loans ourselves.  Here is <a href="http://activerain.com/blogsview/670849/100-financing-available-for-somerset-county-nj-with-the-usda-rd-loan">some info</a> on the USDA program and eligible areas in NJ.  The most important part to remember about the USDA program is you must qualify income-wise and the property location must fall within an approved area.</p> <p>VA Mortgages: 100% financing for qualified veterans is a great loan program for veteran first-time homebuyers and seasoned homebuyers alike.  With VA approved underwriters on staff, we offer in-house underwriting for VA Loans.  <a href="http://activerain.com/blogsview/1279991/current-va-mortgage-rates">Here</a> is a recent blog I wrote with some basic information regarding the VA Mortgage Program.</p> <p>Stated Income Mortgage Loans:  We do not offer the traditional "liar's loan", but rather have on a brokered basis access to Stated Income Mortgage Loans for the self-employed borrowers for which this program was originally intended.  <a href="http://activerain.com/blogsview/1276906/nj-stated-income-mortgage">This blog</a> has more information about our stated income brokered product.</p> <p>For more information on the <strong>Monmouth County Mortgage Loan Programs</strong> we offer<strong>, </strong>use my <a href="http://www.mortgageprosforum.com/contact_form.htm">contact form</a> or call me at 908 531 6170.<img title="www.refi-fhasecure.com" src="http://activerain.com/image_store/uploads/3/3/4/2/6/ar125631784662433.jpg" height="95" alt="www.refi-fhasecure.com" width="95" style="float: right;" /></p><div class='agent_signature'><p> </p> <p><span style="font-size: small;">Michael Byrne</span></p> <p>Mortgage Specialist</p> <p><a href="http://www.mortgageprosforum.com/contact_form.htm"><span style="font-size: medium;">Contact Me</span></a></p> <p><a href="http://activerain.com/blogsview/1282597/new-jersey-mortgage-banker">NJ Mortgage Banker</a>        <a href="http://activerain.com/blogsview/670849/100-financing-available-for-somerset-county-nj-with-the-usda-rd-loan">USDA Loans</a>      <a href="http://activerain.com/blogsview/1247630/new-jersey-jumbo-mortgage-rates">Jumbo Loans</a>      <a href="http://activerain.com/blogsview/1264781/fha-adjustable-rate-mortgage">FHA Loans</a>     <a href="http://activerain.com/blogsview/1279991/current-va-mortgage-rates">VA Loans</a>     <a href="http://www.mortgageprosforum.com/">my site</a></p> <p><a href="http://www.zillow.com/blog/mortgage/author/michaelbyrne/">Zillow Blog</a>   <a href="http://www.mortgageprosforum.com/contact_form.htm"></a>       <a href="http://www.refi-fhasecure.com/">My Blog </a>         <a href="http://activerain.com/blogsview/1276906/nj-stated-income-mortgage">stated income loans</a>               <a href="http://www.domoreloans.com/e_testimonials.htm?refid=naitch6203" target="_blank">Loan Officers: Do More Loans</a></p> <p>"A referral is the greatest compliment I can receive"</p></div> Michael Byrne (Chase Home Loans) Fri, 23 Oct 2009 12:12:20 -0500 http://activerain.com/blogsview/1299849/monmouth-county-mortgage-loan-programs http://activerain.com/blogsview/1297707/usda-mortgages-in-nj-no-money-down-financing USDA Mortgages in NJ: No Money Down Financing <p><strong>USDA Mortgages in NJ</strong> with no money down financing are still available in many areas.  This is a great loan program for qualified New Jersey properties to qualified applicants with moderate income and little to no <img title="www.refi-fhasecure.com" src="http://activerain.com/image_store/uploads/2/0/4/3/6/ar125622216863402.JPG" height="85" alt="www.refi-fhasecure.com" width="68" style="float: right;" />down payment.  As I had written previously in this blog: <a href="http://activerain.com/blogsview/435655/Need-1-Financing-Try">Need 100% Financing? Try the USDA Guaranteed Rural Housing Loan Program</a> the <strong>USDA Mortgages in NJ</strong> program is a great loan for rural and even some not-so-rural areas that qualify for the USDA program. New Jersey still has many areas that qualify for the RD Loan.  For a direct quote on this or any particular program, please <a href="http://www.mortgageprosforum.com/contact_form.htm">contact me</a> or feel free to call me directly at 908 531 6170.</p> <p><img title="www.refi-fhasecure.com" src="http://activerain.com/image_store/uploads/3/4/1/6/8/ar125622211686143.gif" height="95" alt="www.refi-fhasecure.com" width="176" style="float: left;" />Real estate Agents: If you have a listing or are selling your home and it qualifies location-wise for an RD loan, this also can be a great tool to market a property.   Everybody wants to get a bargain and /or a deal, and offering special financing is one way to create some sizzle.  "No Money DownFfinancing available to qualified buyers" with <strong>USDA Mortgages in NJ </strong>is an attention getter for a property.  The beauty of 100% financing for <strong>USDA Mortgages in NJ </strong>is that it expands the pool of folks who could possibly purchase your home.</p> <p>Many Counties in New Jersey, particularly western and southern Counties, have at least a portion of eligible locations.  Click <a href="http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do">here</a> to look at a map of eligible areas in New Jersey for USDA financing.   Be sure to consult the site first before looking at properties.</p> <p>It is paramount to check the property location and also with a qualified loan officer for further details for information on <strong>USDA Mortgages in NJ with No Money Down Financing. </strong> Keep in mind, both the property (based on location) and the borrower (based on income) need to qualify to be eligible for consideration for this loan program.   </p> <p>The other qualification restriction is income based.  The income limits for the 100% Section 502 Guaranteed Rural Housing Program are listed here: <a href="http://eligibility.sc.egov.usda.gov/eligibility/incomeEligibilityAction.do">Income Eligibility</a>  According to the chart, a family of 2's maximum annual income would be $95,400 for the Section 502 Guaranteed Rural Housing Program in Hartford County.</p> <p>There is a financed fee similar to the VA funding fee for this program, and there are credit qualifications-620 minimum fico- and property qualifications as well.</p> <p>Once again, this a great program for 100% financing <strong>USDA Mortgages in NJ</strong>.  For more details, contact Michael Byrne at 800-999-2489 x7972</p><div class='agent_signature'><p> </p> <p><span style="font-size: small;">Michael Byrne</span></p> <p>Mortgage Specialist</p> <p><a href="http://www.mortgageprosforum.com/contact_form.htm"><span style="font-size: medium;">Contact Me</span></a></p> <p><a href="http://activerain.com/blogsview/1282597/new-jersey-mortgage-banker">NJ Mortgage Banker</a>        <a href="http://activerain.com/blogsview/670849/100-financing-available-for-somerset-county-nj-with-the-usda-rd-loan">USDA Loans</a>      <a href="http://activerain.com/blogsview/1247630/new-jersey-jumbo-mortgage-rates">Jumbo Loans</a>      <a href="http://activerain.com/blogsview/1264781/fha-adjustable-rate-mortgage">FHA Loans</a>     <a href="http://activerain.com/blogsview/1279991/current-va-mortgage-rates">VA Loans</a>     <a href="http://www.mortgageprosforum.com/">my site</a></p> <p><a href="http://www.zillow.com/blog/mortgage/author/michaelbyrne/">Zillow Blog</a>   <a href="http://www.mortgageprosforum.com/contact_form.htm"></a>       <a href="http://www.refi-fhasecure.com/">My Blog </a>         <a href="http://activerain.com/blogsview/1276906/nj-stated-income-mortgage">stated income loans</a>               <a href="http://www.domoreloans.com/e_testimonials.htm?refid=naitch6203" target="_blank">Loan Officers: Do More Loans</a></p> <p>"A referral is the greatest compliment I can receive"</p></div> Michael Byrne (Chase Home Loans) Thu, 22 Oct 2009 09:36:45 -0500 http://activerain.com/blogsview/1297707/usda-mortgages-in-nj-no-money-down-financing http://activerain.com/blogsview/1295614/cape-may-county-mortgage-loan-programs Cape May County Mortgage Loan Programs <p><strong>Cape May County Mortgage Loan Programs</strong> abound, as there are a variety of available loan options for first-time buyers, those "upsizing" or "downsizing", or those who simply wish to refinance their existing mortgage. <strong>Cape May County</strong> <strong>Mortgage Loan Programs</strong> include and are not limited to: FHA Mortgages, VA Loans, Fannie Mae Loans, Adjustable Rate Mortgages, USDA RD Loans, Jumbo Mortgage Loans, Second Home Financing, and Stated Income Loans.  We will review briefly each type of loan listed above to go over the programs we offer as <strong>a </strong>New Jersey Mortgage Banker.  We offer additional mortgage programs as a broker as well, giving us the ability to offer the best of both worlds.   For a direct quote on any particular program, please <a href="http://www.mortgageprosforum.com/contact_form.htm">contact me</a> or feel free to call me directly at 908 531 6170.  Here is a synopsis of several of our different loan programs:</p> <p>FHA Mortgages are very popular among our<strong> Cape May County Mortgage Loan Programs</strong>, as a large portion of our loans is through FHA and we have FHA Approved underwriters on staff.  We offer the traditional 203B, 3.5% down FHA Purchase Money loan as well as refinancing options.  <a href="http://activerain.com/blogsview/1264781/fha-adjustable-rate-mortgage">Here</a> is a recent blog I wrote about the FHA Adjustable Rate Mortgage Program.  The fixed rate program is super as well.</p> <p><img title="www.refi-fhasecure.com" src="http://activerain.com/image_store/uploads/3/5/8/6/2/ar125612951126853.gif" height="95" alt="www.refi-fhasecure.com" width="95" />VA Mortgages: 100% financing for qualified veterans is a great loan program for veteran first-time homebuyers and seasoned homebuyers alike.  With VA approved underwriters on staff, we offer in-house underwriting for VA Loans.  <a href="http://activerain.com/blogsview/1279991/current-va-mortgage-rates">Here</a> is a recent blog I wrote with some basic information regarding the VA Mortgage Program.</p> <p>USDA RD Loans: in Cape May County, New Jersey, there are some areas qualified for the moderate income rural development 100% financing program.  As a New Jersey Mortgage Banker, we underwrite and fund these loans ourselves.  Here is <a href="http://activerain.com/blogsview/670849/100-financing-available-for-somerset-county-nj-with-the-usda-rd-loan">some info</a> on the USDA program and eligible areas in NJ.  The most important part to remember about the USDA program is you must qualify income-wise and the property location must fall within an approved area.</p> <p>Jumbo Mortgage Loans:  We have <strong>Cape May County Mortgage Loan Programs</strong> with true Jumbo Mortgage programs on a brokered basis.    Although many parts of NJ have benefitted from the "super-conforming" loan limits, some areas still have relatively low loan limits.  The Cape May area comes to mind, for one with just  a $487,500 loan limit for conventional financing.   Here is a <a href="http://activerain.com/blogsview/1247630/new-jersey-jumbo-mortgage-rates">recent blog</a> about our true jumbo programs in NJ.   We offer jumbo homes on second homes as well.</p> <p>Stated Income Mortgage Loans:  We do not offer the traditional "liar's loan", but rather have on a brokered basis access to Stated Income Mortgage Loans for the self-employed borrowers for which this program was originally intended.  <a href="http://activerain.com/blogsview/1276906/nj-stated-income-mortgage">This blog</a> has more information about our stated income brokered product.</p> <p>For more information on the <strong>Cape May County Mortgage Loan Programs</strong> we offer<strong>, </strong>use my <a href="http://www.mortgageprosforum.com/contact_form.htm">contact form</a> or call me at 908 531 6170.<img title="www.refi-fhasecure.com" src="http://activerain.com/image_store/uploads/3/5/3/7/0/ar125612966107353.jpg" height="100" alt="www.refi-fhasecure.com" width="100" style="vertical-align: bottom;" /></p><div class='agent_signature'><p> </p> <p><span style="font-size: small;">Michael Byrne</span></p> <p>Mortgage Specialist</p> <p><a href="http://www.mortgageprosforum.com/contact_form.htm"><span style="font-size: medium;">Contact Me</span></a></p> <p><a href="http://activerain.com/blogsview/1282597/new-jersey-mortgage-banker">NJ Mortgage Banker</a>        <a href="http://activerain.com/blogsview/670849/100-financing-available-for-somerset-county-nj-with-the-usda-rd-loan">USDA Loans</a>      <a href="http://activerain.com/blogsview/1247630/new-jersey-jumbo-mortgage-rates">Jumbo Loans</a>      <a href="http://activerain.com/blogsview/1264781/fha-adjustable-rate-mortgage">FHA Loans</a>     <a href="http://activerain.com/blogsview/1279991/current-va-mortgage-rates">VA Loans</a>     <a href="http://www.mortgageprosforum.com/">my site</a></p> <p><a href="http://www.zillow.com/blog/mortgage/author/michaelbyrne/">Zillow Blog</a>   <a href="http://www.mortgageprosforum.com/contact_form.htm"></a>       <a href="http://www.refi-fhasecure.com/">My Blog </a>         <a href="http://activerain.com/blogsview/1276906/nj-stated-income-mortgage">stated income loans</a>               <a href="http://www.domoreloans.com/e_testimonials.htm?refid=naitch6203" target="_blank">Loan Officers: Do More Loans</a></p> <p>"A referral is the greatest compliment I can receive"</p></div> Michael Byrne (Chase Home Loans) Wed, 21 Oct 2009 07:54:57 -0500 http://activerain.com/blogsview/1295614/cape-may-county-mortgage-loan-programs http://activerain.com/blogsview/1294807/warren-county-mortgage-loan-programs Warren County Mortgage Loan Programs <p><strong>Warren County Mortgage Loan Programs</strong> are abundant at this time, as there are a variety of available loan options for first-time buyers, those "upsizing" or "downsizing", or those who simply wish to refinance their existing mortgage.  <strong>Warren County Mortgage Loan Programs</strong> include and are not limited to: FHA Mortgages, VA Loans, Fannie Mae Loans, Adjustable Rate Loans, Jumbo Mortgage Loans, and Stated Income Loans.  We will review briefly each type of loan listed above to go over the programs we offer as <strong>a </strong>New Jersey Mortgage Banker.  We offer additional mortgage programs as a broker as well, giving us the ability to offer the best of both worlds.   As a resident of nearby Flemington, I am quite familiar with the Warren County area.  For a direct quote on any particular program, please <a href="http://www.mortgageprosforum.com/contact_form.htm">contact me</a> or feel free to call me directly at 908 531 6170.  Here is a synopsis of several of our different loan programs:</p> <p><img title="www.refi-fhasecure.com" src="http://activerain.com/image_store/uploads/4/5/0/3/2/ar125607298723054.JPG" height="125" alt="www.refi-fhasecure.com" width="125" style="float: left;" />FHA Mortgages are very popular among our<strong> Warren County Mortgage Loan Programs</strong>, as a large portion of our loans is through FHA and we have FHA Approved underwriters on staff.  We offer the traditional 203B, 3.5% down FHA Purchase Money loan as well as refinancing options.  <a href="http://activerain.com/blogsview/1264781/fha-adjustable-rate-mortgage">Here</a> is a recent blog I wrote about the FHA Adjustable Rate Mortgage Program.  The fixed rate program is super as well.</p> <p>VA Mortgages: 100% financing for qualified veterans is a great loan program for veteran first-time homebuyers and seasoned homebuyers alike.  With VA approved underwriters on staff, we offer in-house underwriting for VA Loans.  <a href="http://activerain.com/blogsview/1279991/current-va-mortgage-rates">Here</a> is a recent blog I wrote with some basic information regarding the VA Mortgage Program.</p> <p>USDA RD Loans:   Warren County, New Jersey, there are many areas qualified for the moderate income rural development 100% financing program.  As a New Jersey Mortgage Banker, we underwrite and fund these loans ourselves.   Here is <a href="http://activerain.com/blogsview/670849/100-financing-available-for-somerset-county-nj-with-the-usda-rd-loan">some info</a> on the USDA program and eligible areas in NJ.  The most important part to remember about the USDA program is you must qualify income-wise and the property location must fall within an approved area.</p> <p>Jumbo Mortgage Loans:  We have <strong>Warren County Mortgage Loan Programs</strong> with true Jumbo Mortgage <img title="www.refi-fhasecure.com" src="http://activerain.com/image_store/uploads/4/9/6/9/3/ar125607307939694.gif" height="95" alt="www.refi-fhasecure.com" width="95" style="float: right;" />programs on a brokered basis.  Although many parts of NJ have benefitted from the "super-conforming" loan limits, some areas still have relatively low loan limits.  Warren County is one of them, with a 417k loan limit.   Still there are plenty of beautiful properties;  that could benefit from a true jumbo mortgage loan.  Here is a <a href="http://activerain.com/blogsview/1247630/new-jersey-jumbo-mortgage-rates">recent blog</a> about our true jumbo programs in NJ.</p> <p>Stated Income Mortgage Loans:  We do not offer the traditional "liar's loan", but rather have on a brokered basis access to Stated Income Mortgage Loans for the self-employed borrowers for which this program was originally intended.  <a href="http://activerain.com/blogsview/1276906/nj-stated-income-mortgage">This blog</a> has more information about our stated income brokered product.</p> <p>For more information on the <strong>Warren County Mortgage Loan Programs</strong> we offer<strong>, </strong>use my <a href="http://www.mortgageprosforum.com/contact_form.htm">contact form</a> or call me at 908 531 6170.</p><div class='agent_signature'><p> </p> <p><span style="font-size: small;">Michael Byrne</span></p> <p>Mortgage Specialist</p> <p><a href="http://www.mortgageprosforum.com/contact_form.htm"><span style="font-size: medium;">Contact Me</span></a></p> <p><a href="http://activerain.com/blogsview/1282597/new-jersey-mortgage-banker">NJ Mortgage Banker</a>        <a href="http://activerain.com/blogsview/670849/100-financing-available-for-somerset-county-nj-with-the-usda-rd-loan">USDA Loans</a>      <a href="http://activerain.com/blogsview/1247630/new-jersey-jumbo-mortgage-rates">Jumbo Loans</a>      <a href="http://activerain.com/blogsview/1264781/fha-adjustable-rate-mortgage">FHA Loans</a>     <a href="http://activerain.com/blogsview/1279991/current-va-mortgage-rates">VA Loans</a>     <a href="http://www.mortgageprosforum.com/">my site</a></p> <p><a href="http://www.zillow.com/blog/mortgage/author/michaelbyrne/">Zillow Blog</a>   <a href="http://www.mortgageprosforum.com/contact_form.htm"></a>       <a href="http://www.refi-fhasecure.com/">My Blog </a>         <a href="http://activerain.com/blogsview/1276906/nj-stated-income-mortgage">stated income loans</a>               <a href="http://www.domoreloans.com/e_testimonials.htm?refid=naitch6203" target="_blank">Loan Officers: Do More Loans</a></p> <p>"A referral is the greatest compliment I can receive"</p></div> Michael Byrne (Chase Home Loans) Tue, 20 Oct 2009 16:14:28 -0500 http://activerain.com/blogsview/1294807/warren-county-mortgage-loan-programs http://activerain.com/blogsview/1292150/essex-county-mortgage-loan-programs Essex County Mortgage Loan Programs <p><strong>Essex County Mortgage Loan Programs</strong> abound, as there are a variety of available loan options for first-time buyers, those "upsizing" or "downsizing", or those who simply wish to refinance their existing mortgage.  <strong>Essex County Mortgage Loan Programs</strong> include and are not limited to: FHA Mortgages, VA Loans, Fannie Mae Loans, Adjustable Rate Loans , Jumbo Mortgage Loans, and Stated Income Loans.  We will review briefly each type of loan listed above to go over the programs we offer as <strong>a </strong>New Jersey Mortgage Banker.  We offer additional mortgage programs as a broker as well, giving us the ability to offer the best of both worlds.   As a former resident of Millburn, I am quite familiar with the Essex County area.  For a direct quote on any particular program, please <a href="http://www.mortgageprosforum.com/contact_form.htm">contact me</a> or feel free to call me directly at 908 531 6170.  Here is a synopsis of several of our different loan programs:</p> <p>FHA Mortgages are very popular among our<strong> Essex County Mortgage Loan Programs</strong>, as a large portion of <img title="www.refi-fhasecure.com" src="http://activerain.com/image_store/uploads/3/3/8/6/3/ar125596459536833.gif" height="125" alt="www.refi-fhasecure.com" width="125" style="float: right;" />our loans is through FHA and we have FHA Approved underwriters on staff.  We offer the traditional 203B, 3.5% down FHA Purchase Money loan as well as refinancing options.  <a href="http://activerain.com/blogsview/1264781/fha-adjustable-rate-mortgage">Here</a> is a recent blog I wrote about the FHA Adjustable Rate Mortgage Program.  The fixed rate program is also at low levels currently.   FHA loans are great for owner-occupied multi-family dwellings as well.</p> <p>VA Mortgages: 100% financing for qualified veterans is a great loan program for veteran first-time homebuyers and seasoned homebuyers alike.  With VA approved underwriters on staff, we offer in-house underwriting for VA Loans.  <a href="http://activerain.com/blogsview/1279991/current-va-mortgage-rates">Here</a> is a recent blog I wrote with some basic information regarding the VA Mortgage Program.  It details the VA funding fee, and other nuances of the VA Loan.</p> <p>Jumbo Mortgage Loans:  We have <strong>Essex County Mortgage Loan Programs</strong> with true Jumbo Mortgage programs on a brokered basis.  Although many parts of NJ have benefitted from the "super-conforming" loan limits, some areas still have relatively low loan limits.  Essex County is not one of them, with a 729k loan limit.   Still there are plenty of beautiful properties; from Short Hills to Montclair to West Orange that could benefit from a true jumbo mortgage loan.  Here is a <a href="http://activerain.com/blogsview/1247630/new-jersey-jumbo-mortgage-rates">recent blog</a> about our true jumbo programs in NJ.</p> <p>Stated Income Mortgage Loans:  We do not offer the traditional "liar's loan", but rather have on a brokered basis access to Stated Income Mortgage Loans for the self-employed borrowers for which this program was originally intended.  <a href="http://activerain.com/blogsview/1276906/nj-stated-income-mortgage">This blog</a> has more information about our stated income brokered product.</p> <p><img title="www.refi-fhasecure.com" src="http://activerain.com/image_store/uploads/7/4/5/2/0/ar125596483502547.jpg" height="125" alt="www.refi-fhasecure.com" width="125" style="float: left;" />USDA RD Loans: unfortunately Essex County, New Jersey has NO areas qualified for the moderate income rural development 100% financing program.  As a New Jersey Mortgage Banker, we underwrite and fund these loans ourselves, and there are other areas where the program is available in New Jersey.   Here is <a href="http://activerain.com/blogsview/670849/100-financing-available-for-somerset-county-nj-with-the-usda-rd-loan">some info</a> on the USDA program and eligible areas in NJ.  The most important part to remember about the USDA program is you must qualify income-wise and the property location must fall within an approved area.</p> <p>For more information on the <strong>Essex County Mortgage Loan Programs</strong> we offer<strong>, </strong>use my <a href="http://www.mortgageprosforum.com/contact_form.htm">contact form</a> or call me at 908 531 6170.</p><div class='agent_signature'><p> </p> <p><span style="font-size: small;">Michael Byrne</span></p> <p>Mortgage Specialist</p> <p><a href="http://www.mortgageprosforum.com/contact_form.htm"><span style="font-size: medium;">Contact Me</span></a></p> <p><a href="http://activerain.com/blogsview/1282597/new-jersey-mortgage-banker">NJ Mortgage Banker</a>        <a href="http://activerain.com/blogsview/670849/100-financing-available-for-somerset-county-nj-with-the-usda-rd-loan">USDA Loans</a>      <a href="http://activerain.com/blogsview/1247630/new-jersey-jumbo-mortgage-rates">Jumbo Loans</a>      <a href="http://activerain.com/blogsview/1264781/fha-adjustable-rate-mortgage">FHA Loans</a>     <a href="http://activerain.com/blogsview/1279991/current-va-mortgage-rates">VA Loans</a>     <a href="http://www.mortgageprosforum.com/">my site</a></p> <p><a href="http://www.zillow.com/blog/mortgage/author/michaelbyrne/">Zillow Blog</a>   <a href="http://www.mortgageprosforum.com/contact_form.htm"></a>       <a href="http://www.refi-fhasecure.com/">My Blog </a>         <a href="http://activerain.com/blogsview/1276906/nj-stated-income-mortgage">stated income loans</a>               <a href="http://www.domoreloans.com/e_testimonials.htm?refid=naitch6203" target="_blank">Loan Officers: Do More Loans</a></p> <p>"A referral is the greatest compliment I can receive"</p></div> Michael Byrne (Chase Home Loans) Mon, 19 Oct 2009 10:08:41 -0500 http://activerain.com/blogsview/1292150/essex-county-mortgage-loan-programs http://activerain.com/blogsview/1290985/sussex-county-mortgage-loan-programs Sussex County Mortgage Loan Programs <p><strong>Sussex County Mortgage Loan Programs</strong> abound, as there are a variety of available loan options for first-time buyers, those "upsizing" or "downsizing", or those who simply wish to refinance their existing mortgage.  <strong>Sussex</strong> <strong>County Mortgage Loan Programs</strong> include and are not limited to: FHA Mortgages, VA Loans, Fannie Mae Loans, Adjustable Rate Mortgages, USDA RD Loans, Jumbo Mortgage Loans, and Stated Income Loans.  We will review briefly each type of loan listed above to go over the programs we offer as <strong>a </strong>New Jersey Mortgage Banker.  We offer additional mortgage programs as a broker as well, giving us the ability to offer the best of both worlds.   For a direct quote on any particular program, please <a href="http://www.mortgageprosforum.com/contact_form.htm">contact me</a> or feel  free to call me directly at 908 531 6170.  Here is a synopsis of several of our different loan programs:</p> <p>FHA Mortgages are very popular among our<strong> Sussex County Mortgage Loan Programs</strong>, as a large portion of our loans is through FHA and we have FHA Approved underwriters on staff.  We offer the traditional 203B, 3.5% down FHA Purchase Money loan as well as refinancing options.  <a href="http://activerain.com/blogsview/1264781/fha-adjustable-rate-mortgage">Here</a> is a recent blog I wrote about the FHA Adjustable Rate Mortgage Program.  The fixed rate program is super as well.  FHA loans can be a benefit purchases and refinances.</p> <p>Jumbo Mortgage Loans:  We have <strong>Sussex</strong> <strong>County Mortgage Loan Programs</strong> with true Jumbo Mortgage programs on a brokered basis.  Although many parts of NJ have benefitted from the "super-conforming" loan limits, some areas still have relatively low loan limits.  Sussex County's loan limit is $729,000 currently.   Here is a <a href="http://activerain.com/blogsview/1247630/new-jersey-jumbo-mortgage-rates">recent blog</a> about our jumbo programs in NJ.  Both fixed rate as well as ARM options are available.</p> <p>USDA RD Loans: particularly in Sussex County, New Jersey, there are plenty of areas qualified for the moderate income rural development 100% financing program.  As a New Jersey Mortgage Banker, we underwrite and fund these loans ourselves.  Here is <a href="http://activerain.com/blogsview/670849/100-financing-available-for-somerset-county-nj-with-the-usda-rd-loan">some info</a> on the USDA program and eligible areas in NJ.  The most important part to remember about the USDA program is you must qualify income-wise and the property location must fall within an approved area.</p> <p>VA Mortgages: 100% financing for qualified veterans is a great loan program for veteran first-time homebuyers and seasoned homebuyers alike.  With VA approved underwriters on staff, we offer in-house underwriting for VA Loans.  <a href="http://activerain.com/blogsview/1279991/current-va-mortgage-rates">Here</a> is a recent blog I wrote with some basic information regarding the VA Mortgage Program.</p> <p>Stated Income Mortgage Loans:  We do not offer the traditional "liar's loan", but rather have on a brokered basis access to Stated Income Mortgage Loans for the self-employed borrowers for which this program was originally intended.  <a href="http://activerain.com/blogsview/1276906/nj-stated-income-mortgage">This blog</a> has more information about our stated income brokered product.</p> <p>For more information on the <strong>Sussex</strong> <strong>County Mortgage Loan Programs</strong> we offer<strong>, </strong>use my <a href="http://www.mortgageprosforum.com/contact_form.htm">contact form</a> or call me at 908 531 6170.</p><div class='agent_signature'><p> </p> <p><span style="font-size: small;">Michael Byrne</span></p> <p>Mortgage Specialist</p> <p><a href="http://www.mortgageprosforum.com/contact_form.htm"><span style="font-size: medium;">Contact Me</span></a></p> <p><a href="http://activerain.com/blogsview/1282597/new-jersey-mortgage-banker">NJ Mortgage Banker</a>        <a href="http://activerain.com/blogsview/670849/100-financing-available-for-somerset-county-nj-with-the-usda-rd-loan">USDA Loans</a>      <a href="http://activerain.com/blogsview/1247630/new-jersey-jumbo-mortgage-rates">Jumbo Loans</a>      <a href="http://activerain.com/blogsview/1264781/fha-adjustable-rate-mortgage">FHA Loans</a>     <a href="http://activerain.com/blogsview/1279991/current-va-mortgage-rates">VA Loans</a>     <a href="http://www.mortgageprosforum.com/">my site</a></p> <p><a href="http://www.zillow.com/blog/mortgage/author/michaelbyrne/">Zillow Blog</a>   <a href="http://www.mortgageprosforum.com/contact_form.htm"></a>       <a href="http://www.refi-fhasecure.com/">My Blog </a>         <a href="http://activerain.com/blogsview/1276906/nj-stated-income-mortgage">stated income loans</a>               <a href="http://www.domoreloans.com/e_testimonials.htm?refid=naitch6203" target="_blank">Loan Officers: Do More Loans</a></p> <p>"A referral is the greatest compliment I can receive"</p></div> Michael Byrne (Chase Home Loans) Sun, 18 Oct 2009 14:24:53 -0500 http://activerain.com/blogsview/1290985/sussex-county-mortgage-loan-programs http://activerain.com/blogsview/1289618/union-county-mortgage-loan-programs Union County Mortgage Loan Programs <p><strong><img title="www.refi-fhasecure.com" src="http://activerain.com/image_store/uploads/4/4/7/5/7/ar125579295475744.jpg" height="95" alt="www.refi-fhasecure.com" width="95" style="float: left; border: black 1px solid;" />Union County Mortgage Loan Programs</strong> abound, as there are a variety of available loan options for first-time buyers, those "upsizing" or "downsizing", or those who simply wish to refinance their existing mortgage.  <strong>Union County Mortgage Loan Programs</strong> include and are not limited to: FHA Mortgages, VA Loans, Fannie Mae Loans, Adjustable Rate Mortgages , Jumbo Mortgage Loans, and Stated Income Loans.  We will review briefly each type of loan listed above to go over the programs we offer as <strong>a </strong>New Jersey Mortgage Banker.  We offer additional mortgage programs as a broker as well, giving us the ability to offer the best of both worlds.   As a former resident of Westfield, I am quite familiar with the Union County area.  For a direct quote on any particular program, please <a href="http://www.mortgageprosforum.com/contact_form.htm">contact me</a> or feel free to call me directly at 908 531 6170.  Here is a synopsis of several of our different loan programs:</p> <p>FHA Mortgages are very popular among our<strong> Union County Mortgage Loan Programs</strong>, as a large portion of <img title="www.refi-fhasecure.com" src="http://activerain.com/image_store/uploads/2/5/9/3/9/ar125579301793952.gif" height="57" alt="www.refi-fhasecure.com" width="125" style="float: right;" />our loans is through FHA and we have FHA Approved underwriters on staff.  We offer the traditional 203B, 3.5% down FHA Purchase Money loan as well as refinancing options.  <a href="http://activerain.com/blogsview/1264781/fha-adjustable-rate-mortgage">Here</a> is a recent blog I wrote about the FHA Adjustable Rate Mortgage Program.  The fixed rate program is super as well.</p> <p>VA Mortgages: 100% financing for qualified veterans is a great loan program for veteran first-time homebuyers and seasoned homebuyers alike.  With VA approved underwriters on staff, we offer in-house underwriting for VA Loans.  <a href="http://activerain.com/blogsview/1279991/current-va-mortgage-rates">Here</a> is a recent blog I wrote with some basic information regarding the VA Mortgage Program.</p> <p>USDA RD Loans: unfortunately, Union County, New Jersey, there are NO areas qualified for the moderate income rural development 100% financing program.  As a New Jersey Mortgage Banker, we underwrite and fund these loans ourselves., and there are other areas where the program is available in New jersey.   Here is <a href="http://activerain.com/blogsview/670849/100-financing-available-for-somerset-county-nj-with-the-usda-rd-loan">some info</a> on the USDA program and eligible areas in NJ.  The most important part to remember about the USDA program is you must qualify income-wise and the property location must fall within an approved area.</p> <p>Jumbo Mortgage Loans:  We have <strong>Union County Mortgage Loan Programs</strong> with true Jumbo Mortgage programs on a brokered basis.  Although many parts of NJ have benefitted from the "super-conforming" loan limits, some areas still have relatively low loan limits.  Union County is not one of them, with a 729k  loan limit.   Still there are plenty of beautiful properties; from Summit to Westfield to Scotch Plains that could benefit from a true jumbo mortgage loan.  Here is a <a href="http://activerain.com/blogsview/1247630/new-jersey-jumbo-mortgage-rates">recent blog</a> about our true jumbo programs in NJ.</p> <p>Stated Income Mortgage Loans:  We do not offer the traditional "liar's loan", but rather have on a brokered basis access to Stated Income Mortgage Loans for the self-employed borrowers for which this program was originally intended.  <a href="http://activerain.com/blogsview/1276906/nj-stated-income-mortgage">This blog</a> has more information about our stated income brokered product.</p> <p>For more information on the <strong>Union County Mortgage Loan Programs</strong> we offer<strong>, </strong>use my <a href="http://www.mortgageprosforum.com/contact_form.htm">contact form</a> or call me at 908 531 6170.</p><div class='agent_signature'><p> </p> <p><span style="font-size: small;">Michael Byrne</span></p> <p>Mortgage Specialist</p> <p><a href="http://www.mortgageprosforum.com/contact_form.htm"><span style="font-size: medium;">Contact Me</span></a></p> <p><a href="http://activerain.com/blogsview/1282597/new-jersey-mortgage-banker">NJ Mortgage Banker</a>        <a href="http://activerain.com/blogsview/670849/100-financing-available-for-somerset-county-nj-with-the-usda-rd-loan">USDA Loans</a>      <a href="http://activerain.com/blogsview/1247630/new-jersey-jumbo-mortgage-rates">Jumbo Loans</a>      <a href="http://activerain.com/blogsview/1264781/fha-adjustable-rate-mortgage">FHA Loans</a>     <a href="http://activerain.com/blogsview/1279991/current-va-mortgage-rates">VA Loans</a>     <a href="http://www.mortgageprosforum.com/">my site</a></p> <p><a href="http://www.zillow.com/blog/mortgage/author/michaelbyrne/">Zillow Blog</a>   <a href="http://www.mortgageprosforum.com/contact_form.htm"></a>       <a href="http://www.refi-fhasecure.com/">My Blog </a>         <a href="http://activerain.com/blogsview/1276906/nj-stated-income-mortgage">stated income loans</a>               <a href="http://www.domoreloans.com/e_testimonials.htm?refid=naitch6203" target="_blank">Loan Officers: Do More Loans</a></p> <p>"A referral is the greatest compliment I can receive"</p></div> Michael Byrne (Chase Home Loans) Sat, 17 Oct 2009 10:26:08 -0500 http://activerain.com/blogsview/1289618/union-county-mortgage-loan-programs http://activerain.com/blogsview/1288545/mercer-county-mortgage-loan-programs Mercer County Mortgage Loan Programs <p><strong>Mercer County Mortgage Loan Programs</strong> abound, as there are a variety of available loan options for first-time buyers, those "upsizing" or "downsizing", or those who simply wish to refinance their existing mortgage.  <strong>Mercer County Mortgage Loan Programs</strong> include and are not limited to: FHA Mortgages, VA Loans, Fannie Mae Loans, Adjustable Rate Mortgages, USDA RD Loans, Jumbo Mortgage Loans, and Stated Income Loans.  We will review briefly each type of loan listed above to go over the programs we offer as <strong>a </strong>New Jersey Mortgage Banker.  We offer additional mortgage programs as a broker as well, giving us the ability to offer the best of both worlds.   For a direct quote on any particular program, please <a href="http://www.mortgageprosforum.com/contact_form.htm">contact me</a> or feel free to call me directly at 908 531 6170.  Here is a synopsis of several of our different loan programs:</p> <p>FHA Mortgages are very popular among our<strong> Mercer County Mortgage Loan Programs</strong>, as a large portion of our loans is through FHA and we have FHA Approved underwriters on staff.  We offer the traditional 203B, 3.5% down FHA Purchase Money loan as well as refinancing options.  <a href="http://activerain.com/blogsview/1264781/fha-adjustable-rate-mortgage">Here</a> is a recent blog I wrote about the FHA Adjustable Rate Mortgage Program.  The fixed rate program is super as well.</p> <p><img title="www.refi-fhasecure.com" src="http://activerain.com/image_store/uploads/5/1/8/2/8/ar125571629182815.gif" height="108" alt="www.refi-fhasecure.com" width="200" />VA Mortgages: 100% financing for qualified veterans is a great loan program for veteran first-time homebuyers and seasoned homebuyers alike.  With VA approved underwriters on staff, we offer in-house underwriting for VA Loans.  <a href="http://activerain.com/blogsview/1279991/current-va-mortgage-rates">Here</a> is a recent blog I wrote with some basic information regarding the VA Mortgage Program.</p> <p>USDA RD Loans: even in Mercer County, New Jersey, there are some areas qualified for the moderate income rural development 100% financing program.  As a New Jersey Mortgage Banker, we underwrite and fund these loans ourselves.  Here is <a href="http://activerain.com/blogsview/670849/100-financing-available-for-somerset-county-nj-with-the-usda-rd-loan">some info</a> on the USDA program and eligible areas in NJ.  The most important part to remember about the USDA program is you must qualify income-wise and the property location must fall within an approved area.</p> <p><img title="www.refi-fhasecure.com" src="http://activerain.com/image_store/uploads/4/7/3/3/8/ar125571644883374.jpg" height="100" alt="www.refi-fhasecure.com" width="77" style="float: left;" />Jumbo Mortgage Loans:  We have <strong>Mercer County Mortgage Loan Programs</strong> with true Jumbo Mortgage programs on a brokered basis.  Although many parts of NJ have benefitted from the "super-conforming" loan limits, some areas still have relatively low loan limits.  The Princeton area comes to mind, for one with a 440k loan limit.   Here is a <a href="http://activerain.com/blogsview/1247630/new-jersey-jumbo-mortgage-rates">recent blog</a> about our true jumbo programs in NJ.</p> <p>Stated Income Mortgage Loans:  We do not offer the traditional "liar's loan", but rather have on a brokered basis access to Stated Income Mortgage Loans for the self-employed borrowers for which this program was originally intended.  <a href="http://activerain.com/blogsview/1276906/nj-stated-income-mortgage">This blog</a> has more information about our stated income brokered product.</p> <p>For more information on the <strong>Mercer County Mortgage Loan Programs</strong> we offer<strong>, </strong>use my <a href="http://www.mortgageprosforum.com/contact_form.htm">contact form</a> or call me at 908 531 6170.</p><div class='agent_signature'><p> </p> <p><span style="font-size: small;">Michael Byrne</span></p> <p>Mortgage Specialist</p> <p><a href="http://www.mortgageprosforum.com/contact_form.htm"><span style="font-size: medium;">Contact Me</span></a></p> <p><a href="http://activerain.com/blogsview/1282597/new-jersey-mortgage-banker">NJ Mortgage Banker</a>        <a href="http://activerain.com/blogsview/670849/100-financing-available-for-somerset-county-nj-with-the-usda-rd-loan">USDA Loans</a>      <a href="http://activerain.com/blogsview/1247630/new-jersey-jumbo-mortgage-rates">Jumbo Loans</a>      <a href="http://activerain.com/blogsview/1264781/fha-adjustable-rate-mortgage">FHA Loans</a>     <a href="http://activerain.com/blogsview/1279991/current-va-mortgage-rates">VA Loans</a>     <a href="http://www.mortgageprosforum.com/">my site</a></p> <p><a href="http://www.zillow.com/blog/mortgage/author/michaelbyrne/">Zillow Blog</a>   <a href="http://www.mortgageprosforum.com/contact_form.htm"></a>       <a href="http://www.refi-fhasecure.com/">My Blog </a>         <a href="http://activerain.com/blogsview/1276906/nj-stated-income-mortgage">stated income loans</a>               <a href="http://www.domoreloans.com/e_testimonials.htm?refid=naitch6203" target="_blank">Loan Officers: Do More Loans</a></p> <p>"A referral is the greatest compliment I can receive"</p></div> Michael Byrne (Chase Home Loans) Fri, 16 Oct 2009 13:12:01 -0500 http://activerain.com/blogsview/1288545/mercer-county-mortgage-loan-programs http://activerain.com/blogsview/1288543/mercer-county-mortgage-loan-programs Mercer County Mortgage Loan Programs <p><strong>Mercer County Mortgage Loan Programs</strong> abound, as there are a variety of available loan options for first-time buyers, those "upsizing" or "downsizing", or those who simply wish to refinance their existing mortgage.  <strong>Mercer County Mortgage Loan Programs</strong> include and are not limited to: FHA Mortgages, VA Loans, Fannie Mae Loans, Adjustable Rate Mortgages, USDA RD Loans, Jumbo Mortgage Loans, and Stated Income Loans.  We will review briefly each type of loan listed above to go over the programs we offer as <strong>a </strong>New Jersey Mortgage Banker.  We offer additional mortgage programs as a broker as well, giving us the ability to offer the best of both worlds.   For a direct quote on any particular program, please <a href="http://www.mortgageprosforum.com/contact_form.htm">contact me</a> or feel free to call me directly at 908 531 6170.  Here is a synopsis of several of our different loan programs:</p> <p>FHA Mortgages are very popular among our<strong> Mercer County Mortgage Loan Programs</strong>, as a large portion of our loans is through FHA and we have FHA Approved underwriters on staff.  We offer the traditional 203B, 3.5% down FHA Purchase Money loan as well as refinancing options.  <a href="http://activerain.com/blogsview/1264781/fha-adjustable-rate-mortgage">Here</a> is a recent blog I wrote about the FHA Adjustable Rate Mortgage Program.  The fixed rate program is super as well.</p> <p><img title="www.refi-fhasecure.com" src="http://activerain.com/image_store/uploads/5/1/8/2/8/ar125571629182815.gif" height="108" alt="www.refi-fhasecure.com" width="200" />VA Mortgages: 100% financing for qualified veterans is a great loan program for veteran first-time homebuyers and seasoned homebuyers alike.  With VA approved underwriters on staff, we offer in-house underwriting for VA Loans.  <a href="http://activerain.com/blogsview/1279991/current-va-mortgage-rates">Here</a> is a recent blog I wrote with some basic information regarding the VA Mortgage Program.</p> <p>USDA RD Loans: even in Mercer County, New Jersey, there are some areas qualified for the moderate income rural development 100% financing program.  As a New Jersey Mortgage Banker, we underwrite and fund these loans ourselves.  Here is <a href="http://activerain.com/blogsview/670849/100-financing-available-for-somerset-county-nj-with-the-usda-rd-loan">some info</a> on the USDA program and eligible areas in NJ.  The most important part to remember about the USDA program is you must qualify income-wise and the property location must fall within an approved area.</p> <p><img title="www.refi-fhasecure.com" src="http://activerain.com/image_store/uploads/4/7/3/3/8/ar125571644883374.jpg" height="100" alt="www.refi-fhasecure.com" width="77" style="float: left;" />Jumbo Mortgage Loans:  We have <strong>Mercer County Mortgage Loan Programs</strong> with true Jumbo Mortgage programs on a brokered basis.  Although many parts of NJ have benefitted from the "super-conforming" loan limits, some areas still have relatively low loan limits.  The Princeton area comes to mind, for one with a 440k loan limit.   Here is a <a href="http://activerain.com/blogsview/1247630/new-jersey-jumbo-mortgage-rates">recent blog</a> about our true jumbo programs in NJ.</p> <p>Stated Income Mortgage Loans:  We do not offer the traditional "liar's loan", but rather have on a brokered basis access to Stated Income Mortgage Loans for the self-employed borrowers for which this program was originally intended.  <a href="http://activerain.com/blogsview/1276906/nj-stated-income-mortgage">This blog</a> has more information about our stated income brokered product.</p> <p>For more information on the <strong>Mercer County Mortgage Loan Programs</strong> we offer<strong>, </strong>use my <a href="http://www.mortgageprosforum.com/contact_form.htm">contact form</a> or call me at 908 531 6170.</p><div class='agent_signature'><p> </p> <p><span style="font-size: small;">Michael Byrne</span></p> <p>Mortgage Specialist</p> <p><a href="http://www.mortgageprosforum.com/contact_form.htm"><span style="font-size: medium;">Contact Me</span></a></p> <p><a href="http://activerain.com/blogsview/1282597/new-jersey-mortgage-banker">NJ Mortgage Banker</a>        <a href="http://activerain.com/blogsview/670849/100-financing-available-for-somerset-county-nj-with-the-usda-rd-loan">USDA Loans</a>      <a href="http://activerain.com/blogsview/1247630/new-jersey-jumbo-mortgage-rates">Jumbo Loans</a>      <a href="http://activerain.com/blogsview/1264781/fha-adjustable-rate-mortgage">FHA Loans</a>     <a href="http://activerain.com/blogsview/1279991/current-va-mortgage-rates">VA Loans</a>     <a href="http://www.mortgageprosforum.com/">my site</a></p> <p><a href="http://www.zillow.com/blog/mortgage/author/michaelbyrne/">Zillow Blog</a>   <a href="http://www.mortgageprosforum.com/contact_form.htm"></a>       <a href="http://www.refi-fhasecure.com/">My Blog </a>         <a href="http://activerain.com/blogsview/1276906/nj-stated-income-mortgage">stated income loans</a>               <a href="http://www.domoreloans.com/e_testimonials.htm?refid=naitch6203" target="_blank">Loan Officers: Do More Loans</a></p> <p>"A referral is the greatest compliment I can receive"</p></div> Michael Byrne (Chase Home Loans) Fri, 16 Oct 2009 13:11:11 -0500 http://activerain.com/blogsview/1288543/mercer-county-mortgage-loan-programs http://activerain.com/blogsview/1288525/hunterdon-county-mortgage-loan- Hunterdon County Mortgage Loan <p><strong>Hunterdon County Mortgage Loan Programs</strong> abound, as there are a variety of available loan options for first-time buyers, those "upsizing" or "downsizing", or those who simply wish to refinance their existing mortgage.  <strong>Hunterdon County Mortgage Loan Programs</strong> include and are not limited to: FHA Mortgages, VA Loans, Fannie Mae Loans, Adjustable Rate Mortgages, USDA RD Loans, Jumbo Mortgage Loans, and Stated Income Loans.  We will review briefly each type of loan listed above to go over the programs we offer as <strong>a </strong>New Jersey Mortgage Banker.  We offer additional mortgage programs as a broker as well, giving us the ability to offer the best of both worlds.   For a direct quote on any particular program, please <a href="http://www.mortgageprosforum.com/contact_form.htm">contact me</a> or feel  free to call me directly at 908 531 6170.  Here is a synopsis of several of our different loan programs:</p> <p>FHA Mortgages are very popular among our<strong> Hunterdon County Mortgage Loan Programs</strong>, as a large portion of our loans is through FHA and we have FHA Approved underwriters on staff.  We offer the traditional 203B, 3.5% down FHA Purchase Money loan as well as refinancing options.  <a href="http://activerain.com/blogsview/1264781/fha-adjustable-rate-mortgage">Here</a> is a recent blog I wrote about the FHA Adjustable Rate Mortgage Program.  The fixed rate program is super as well.</p> <p><img title="www.refi-fhasecure.com" src="http://activerain.com/image_store/uploads/7/6/8/3/8/ar12557157083867.JPG" height="100" alt="www.refi-fhasecure.com" width="80" style="float: left;" />Jumbo Mortgage Loans:  We have <strong>Hunterdon County Mortgage Loan Programs</strong> with true Jumbo Mortgage programs on a brokered basis.  Although many parts of NJ have benefitted from the "super-conforming" loan limits, some areas still have relatively low loan limits.  Hunterdon County's loan limit is $729,000 currently.   Here is a <a href="http://activerain.com/blogsview/1247630/new-jersey-jumbo-mortgage-rates">recent blog</a> about our jumbo programs in NJ.</p> <p>USDA RD Loans: particularly in Hunterdon County, New Jersey, there are plenty of areas qualified for the moderate income rural development 100% financing program.  As a New Jersey Mortgage Banker, we underwrite and fund these loans ourselves.  Here is <a href="http://activerain.com/blogsview/670849/100-financing-available-for-somerset-county-nj-with-the-usda-rd-loan">some info</a> on the USDA program and eligible areas in NJ.  The most important part to remember about the USDA program is you must qualify income-wise and the property location must fall within an approved area.</p> <p>VA Mortgages: 100% financing for qualified veterans is a great loan program for veteran first-time homebuyers and seasoned homebuyers alike.  With VA approved underwriters on staff, we offer in-house underwriting for VA Loans.  <a href="http://activerain.com/blogsview/1279991/current-va-mortgage-rates">Here</a> is a recent blog I wrote with some basic information regarding the VA Mortgage Program.</p> <p><img title="www.refi-fhasecure.com" src="http://activerain.com/image_store/uploads/8/1/8/9/4/ar12557160649818.jpg" height="125" alt="www.refi-fhasecure.com" width="97" style="float: left;" />Stated Income Mortgage Loans:  We do not offer the traditional "liar's loan", but rather have on a brokered basis access to Stated Income Mortgage Loans for the self-employed borrowers for which this program was originally intended.  <a href="http://activerain.com/blogsview/1276906/nj-stated-income-mortgage">This blog</a> has more information about our stated income brokered product.</p> <p>For more information on the <strong>Hunterdon County Mortgage Loan Programs</strong> we offer<strong>, </strong>use my <a href="http://www.mortgageprosforum.com/contact_form.htm">contact form</a> or call me at 908 531 6170.</p><div class='agent_signature'><p> </p> <p><span style="font-size: small;">Michael Byrne</span></p> <p>Mortgage Specialist</p> <p><a href="http://www.mortgageprosforum.com/contact_form.htm"><span style="font-size: medium;">Contact Me</span></a></p> <p><a href="http://activerain.com/blogsview/1282597/new-jersey-mortgage-banker">NJ Mortgage Banker</a>        <a href="http://activerain.com/blogsview/670849/100-financing-available-for-somerset-county-nj-with-the-usda-rd-loan">USDA Loans</a>      <a href="http://activerain.com/blogsview/1247630/new-jersey-jumbo-mortgage-rates">Jumbo Loans</a>      <a href="http://activerain.com/blogsview/1264781/fha-adjustable-rate-mortgage">FHA Loans</a>     <a href="http://activerain.com/blogsview/1279991/current-va-mortgage-rates">VA Loans</a>     <a href="http://www.mortgageprosforum.com/">my site</a></p> <p><a href="http://www.zillow.com/blog/mortgage/author/michaelbyrne/">Zillow Blog</a>   <a href="http://www.mortgageprosforum.com/contact_form.htm"></a>       <a href="http://www.refi-fhasecure.com/">My Blog </a>         <a href="http://activerain.com/blogsview/1276906/nj-stated-income-mortgage">stated income loans</a>               <a href="http://www.domoreloans.com/e_testimonials.htm?refid=naitch6203" target="_blank">Loan Officers: Do More Loans</a></p> <p>"A referral is the greatest compliment I can receive"</p></div> Michael Byrne (Chase Home Loans) Fri, 16 Oct 2009 13:01:55 -0500 http://activerain.com/blogsview/1288525/hunterdon-county-mortgage-loan- http://activerain.com/blogsview/1282597/new-jersey-mortgage-banker New Jersey Mortgage Banker <p>As a <strong>New Jersey Mortgage Banker</strong>, we have many programs to offer a consumer.  They include and are not limited to: FHA Mortgages, VA Loans, Fannie Mae Loans, Adjustable Rate Mortgages, USDA RD Loans, Jumbo Mortgage Loans, and Stated Income Loans.  We will review briefly each type of loan listed above to go over the programs we offer as <strong>a New Jersey Mortgage Banker</strong>.  We offer additional mortgage programs as a broker as well, giving us the ability to offer the best of both worlds.   For a direct quote on any particular program, please  <a href="http://www.mortgageprosforum.com/contact_form.htm">contact me</a> or feel  free to call me directly at 908 531 6170.  Here is a synopsis of several of our different loan programs:</p> <p><img title="house" src="http://activerain.com/image_store/uploads/5/9/3/9/5/ar1255441759395.gif" height="125" alt="house" width="231" style="float: left;" />FHA Mortgages: as a <strong>New Jersey Mortgage Banker</strong>, a large portion of our loans is through FHA and we have FHA Approved underwriters on staff.  We offer the traditional 203B, 3.5% down FHA Purchase Money loan as well as the FHA renovation loans known as the 203k or Streamline K loans as well. <a href="http://activerain.com/blogsview/1264781/fha-adjustable-rate-mortgage">Here</a> is a recent blog I wrote about the FHA Adjustable Rate Program.  The fixed rate program is super as well.</p> <p>VA Mortgages: 100% financing for qualified veterans is a great loan program for veteran first-time homebuyers and seasoned homebuyers alike.  With VA approved underwriters on staff, we offer in-house underwriting for VA Loans.  <a href="http://activerain.com/blogsview/1279991/current-va-mortgage-rates">Here</a> is a recent blog I wrote with some basic information regarding the VA Mortgage Program.</p> <p><img title="www.refi-fhasecure.com" src="http://activerain.com/image_store/uploads/6/0/7/4/4/ar12554418144706.jpg" height="125" alt="www.refi-fhasecure.com" width="97" style="float: left;" />USDA RD Loans: even in New Jersey, there are plenty of areas qualified for the moderate income rural development 100% financing program.  As a <strong>New Jersey Mortgage Banker</strong>, we underwrite and fund these loans ourselves.  Here is <a href="http://activerain.com/blogsview/670849/100-financing-available-for-somerset-county-nj-with-the-usda-rd-loan">some info</a> on the USDA program and eligible areas in NJ.  The most important part to remember about the USDA program is you must qualify income-wise and the property location must fall within an approved area.</p> <p>Jumbo Mortgage Loans:  We offer several different true Jumbo Mortgage programs on a brokered basis.  Although many parts of NJ have benefitted from the "super-conforming" loan limits, some areas still have relatively low loan limits.  The Princeton area comes to mind, for one.  We have true jumbo loans available for those above the fannie mae loan limits.   Here is a <a href="http://activerain.com/blogsview/1247630/new-jersey-jumbo-mortgage-rates">recent blog</a> about our jumbo programs in NJ.</p> <p>Stated Income Mortgage Loans:  We do not offer the traditional "liar's loan", but rather have on a brokered basis access to Stated Income Mortgage Loans for the self-employed borrowers for which this program was originally intended.  <a href="http://activerain.com/blogsview/1276906/nj-stated-income-mortgage">This blog</a> has more information about our stated income brokered product.</p> <p>For more information on the loans we offer as a <strong>New Jersey Mortgage Banker, </strong>use my <a href="http://www.mortgageprosforum.com/contact_form.htm">contact form</a> or call me at 908 531 6170.</p><div class='agent_signature'><p> </p> <p><span style="font-size: small;">Michael Byrne</span></p> <p>Mortgage Specialist</p> <p><a href="http://www.mortgageprosforum.com/contact_form.htm"><span style="font-size: medium;">Contact Me</span></a></p> <p><a href="http://activerain.com/blogsview/1282597/new-jersey-mortgage-banker">NJ Mortgage Banker</a>        <a href="http://activerain.com/blogsview/670849/100-financing-available-for-somerset-county-nj-with-the-usda-rd-loan">USDA Loans</a>      <a href="http://activerain.com/blogsview/1247630/new-jersey-jumbo-mortgage-rates">Jumbo Loans</a>      <a href="http://activerain.com/blogsview/1264781/fha-adjustable-rate-mortgage">FHA Loans</a>     <a href="http://activerain.com/blogsview/1279991/current-va-mortgage-rates">VA Loans</a>     <a href="http://www.mortgageprosforum.com/">my site</a></p> <p><a href="http://www.zillow.com/blog/mortgage/author/michaelbyrne/">Zillow Blog</a>   <a href="http://www.mortgageprosforum.com/contact_form.htm"></a>       <a href="http://www.refi-fhasecure.com/">My Blog </a>         <a href="http://activerain.com/blogsview/1276906/nj-stated-income-mortgage">stated income loans</a>               <a href="http://www.domoreloans.com/e_testimonials.htm?refid=naitch6203" target="_blank">Loan Officers: Do More Loans</a></p> <p>"A referral is the greatest compliment I can receive"</p></div> Michael Byrne (Chase Home Loans) Tue, 13 Oct 2009 08:52:49 -0500 http://activerain.com/blogsview/1282597/new-jersey-mortgage-banker