Xavier's Blog

TODAYS RATES

Xavier Ramirez (FHA LOAN OFFICER 321HomeLoans.com) — Sat, 13 Dec 2008 02:28:45 -0600

TODAYS FHA RATES

Xavier Ramirez (FHA LOAN OFFICER 321HomeLoans.com) — Sat, 13 Dec 2008 02:22:37 -0600

TODAYS FHA RATES

Xavier Ramirez (FHA LOAN OFFICER 321HomeLoans.com) — Fri, 12 Dec 2008 17:36:38 -0600

HOMEOWNERS

No Equity Home Loans

Xavier Ramirez (FHA LOAN OFFICER 321HomeLoans.com) — Wed, 10 Dec 2008 16:34:48 -0600

TODAYS FHA RATES:

HOMEOWNERS MUST READ:

WE WILL REFINANCE YOU AT CURRENT MARKET VALUE!!

Example:

Current home value: $200,000

Current mortgages: $300,000

NEW LOAN: $200,000

New Pmt: $1,331.oo

Saving you $100,000 in principle!!!

Behind on payment? Ok

Notice of default? Ok

Sale Date Pending? Ok

NO EQUITY?? Ok

No Money Down Loans

Xavier Ramirez (FHA LOAN OFFICER 321HomeLoans.com) — Wed, 10 Dec 2008 14:55:08 -0600

Questions To ASK DISCOUNT Realtors...

Xavier Ramirez (FHA LOAN OFFICER 321HomeLoans.com) — Tue, 06 Nov 2007 21:30:23 -0600

If you're shopping for a home to buy and you make the decision to use a rebate realtor, be sure to ask them the following questions:

1. Have you ever been in trouble with the Dept. of Real Estate?

2. Do you require a binding buyer-broker agreement? (if they do, find another Realtor)

3. How many homes will you show me and will I still be entitled to your BEST rebate offer?

4. What is your BEST rebate offer?

**If your a discount Realtor, here's a great way to get noticed. Please add to this list by making comments.

Thank you!

Xavier Ramirez

Mortgage Consultant

Direct line: 714-369-8824

Fax: 714-845-0009

Maybe I can help sell that home of yours

Xavier Ramirez (FHA LOAN OFFICER 321HomeLoans.com) — Tue, 06 Nov 2007 21:26:43 -0600

Finding it difficult selling your home these days - your not the only one. I have known to come up with some very creative methods that just might do the trick.

Care to discuss it in person, I'd love to but I am located in Lake Arrowhead, CA. If you are nearby let's meet for coffee and discuss your needs, plans, possibilities that you have. This can and should be a great experience for you.

IT IS POSSIBLE TO SELL YOUR HOME IN THIS MARKET. IT'S THE BEST TIME TO FIND A BUYER AND TO SELL YOUR PROPERTY. WE HAVE THE SKILLS, KNOWLEDGE AND MARKETING TO GET YOUR PROPERTY SOLD.
IF YOU HAVE BEEN THINKING ABOUT SELLING YOUR PROPERTY CONTACT AS TODAY AND WE WILL SHOW YOU THE WAY TO A BRIGHTER FUTURE.

Xavier Ramirez

Mortgage Consultant

FHA Full Eagle Direct Lender

Direct line: 714-846-0503

Fax: 714-845-0009

Fed Cut Rates so Why did Mortgage Rates tick up?

Xavier Ramirez (FHA LOAN OFFICER 321HomeLoans.com) — Tue, 06 Nov 2007 21:20:57 -0600

Hello, I am no financial wall street whiz kid, just your average mortgage guy experienced enough to know that when the Fed cuts the rates which can be a good thing - it doesn't mean that mortgage rates dropped.

I guess it's no surprise that most ppl think that is the case. I work for a national Direct Lender and I speak to 20 different ppl everyday. Sometimes I spend quite a long time explaining the whole shabang about how there can be an inverse reaction between these 2 indicators while other times I quickly explain that the Fed rate only changes the Prime rate index which is only used for HELOC's -home equity lines of credit. If I explained the whole deal to everyone I speak to I'd never get half of my work done and I am in this thing to make money right?

So let's try to pass the good word around and if it saves me from having to explain it to at least 1 person everyday, that would help me out alot - Do your research, don't take my word for it.

Google: Fed rate mortgage rates - and do your own homework. Have fun!

Xavier Ramirez

Mortgage Consultant

FHA Full Eagle Direct Lender

Direct line: 714-846-0503

Fax: 714-845-0009

Home Saver Program - Find out more

Xavier Ramirez (FHA LOAN OFFICER 321HomeLoans.com) — Tue, 06 Nov 2007 21:09:25 -0600

YOU MAY QUALIFY IF:

1. You presently have a Non-FHA adjustable rate mortgage.
2. Your Non-FHA adjustable rate mortgage adjusted within the last two years, causing your rate, and payment to increase beyond your income or financial means.
3. You made all your payments on time for the 6 months prior to the rate, and payment increase, of your Non-FHA adjustable rate mortgage.
4. You are not in BK, and, you did not fall behind for personal reasons, other, than your Non-FHA adjustable rate mortgage increase.

* You are allowed to be in foreclosure, or forbearance (payment arrangement with your lender), as long as it is due to the rate and payment increase, of, your Non-FHA adjustable rate mortgage.
* FHA loan limits WILL apply for the state and county of your properties location.
* Owner-occupied properties only
* Rates vary between 6.75 and 7.5%. 30 year fixed.
* Loan to values up to 97.7%. If you owe more than your property values worth, your existing lender is allowed to carry back a second mortgage for the balance in excess of the 97.7%, or, you are allowed to negotiate a short payoff of your existing mortgage, if applicable.
* We are licensed in all 50 states, should you, or someone you know, be able to benefit from this program.
*If per these guidelines, you feel you do not qualify for this program, we may have an alternative program, depending on your current equity, income and credit situation.

Xavier Ramirez

Mortgage Consultant

FHA Full Eagle Direct Lender

Direct line: 714-846-0503

Fax: 714-845-0009

BE IN YOUR NEW HOME FOR THE HOLIDAYS ~ NOT A BETTER TIME TO BUY!

Xavier Ramirez (FHA LOAN OFFICER 321HomeLoans.com) — Tue, 06 Nov 2007 21:00:35 -0600

Are you ready to buy a home for your family or an investment property? We have several homes that are offering up to 20% back at closing. I have new builds, and resales available with these properties. These homes range from 2000 square feet to 3000 square feet. Use the money back to put in a pool, go on a vacation, or use it to make the mortgage payments. This is a great time to buy.

There may not be a better time to buy in your area again….thousands of homes are on the market…sellers are desperate, reducing prices, paying closing costs. Get the help you need today. Our Purchase Assistant will get you on your way – FREE Over The Phone Consultation - Click Here to get started.

Credit an issue? Local mortgage expert who once had a 481 fico scored and turned it into a 711 will reveal his inner most secrets to understanding and mastering the credit scoring model. Ask me today!

Xavier Ramirez

FHA MORTGAGE LOAN EXPERTS - CREDIT SCORE IS NOT A FACTOR!

Xavier Ramirez (FHA LOAN OFFICER 321HomeLoans.com) — Tue, 06 Nov 2007 20:59:08 -0600

You can get a FHA fixed rate loan with a credit score as low as 450!

Even with mortgage lates in the last 12 months you still can qualify!

If you have been turned down by another lender or their rate was way to high call me!!!

Avoid a HIGH RATE sub-prime loan...a FHA loan can help your family!

Call me, fill out a quick application on my website, or reply to this post.

I can help you and your family fix in your payment and save money today!!!!

Click here for Common Questions About FHA Loans

Then call me to get your loan going TODAY!

Xavier Ramirez

Direct line: 714-369-8824

Fax: 714-845-0009

No credit score requirement... Government backed loans

Xavier Ramirez (FHA LOAN OFFICER 321HomeLoans.com) — Tue, 06 Nov 2007 20:57:28 -0600

My name is Xavier Ramirez with Amerisave Mortgage. FHA is based on common sense underwriting and is not credit score driven. If you have lower scores because of high debt or medical expenses, give me a call and use my nearly 10 years in the mortgage finance for your benefit.

You must have paid your mortgage on time (no 30 days plus past due) for the last couple of years.

This is a great loan as there is no increase to the rate for high loan size compared to the value of the house, no increase to the rate for cash out up to 95% of the value of the house, no rate increase for lower credit score, no increase to the mortgage insurance for either of those scenarios either!

FHA rates are very competitive to conventional 30-yr rates without the rate hikes!

Let's get it done today!

Xavier Ramirez

Direct: 714-369-8824

I can help Realtors get more business!

Xavier Ramirez (FHA LOAN OFFICER 321HomeLoans.com) — Tue, 06 Nov 2007 20:34:13 -0600

It's no mystery that generating business is a complete secret to many real estate agents; but why is that? In today's market there are many agents asking - "How Can I Generate Real Estate Leads?" - and few that actually do. As a real estate agent you are among a group of as much as 70% who fail within your first 2 years in business. And this begs the question: How can you generate real estate leads? If you are a real estate agent or investor then generating real estate leads should be one of your primary jobs. Every good real estate agent - Realtors understands the need for a good real estate lead system.

Thats where I can help - contact me to get FREE LEADS!!

Xavier Ramirez

YES IT'S TRUE: Get Back A Full Refund Of Your Prepayment Penalty

Xavier Ramirez (FHA LOAN OFFICER 321HomeLoans.com) — Wed, 17 Oct 2007 03:08:42 -0500

If you are one of the millions of mortgage holders who have been charged a prepayment penalty as a result of the sale of your home, or refinancing a mortgage, you may be entitled to a FULL REFUND!

Prepayment penalties average into the thousands of dollars per mortgage loan, totaling billions of dollars per year.

Many of these outrageous penalties are refundable!

I offer a FREE evaluation of your case and will give you our opinion as to the likelihood of refund recovery.

Contact me to get started.

Xavier Ramirez

Direct line: 714-369-8824

Fax: 714-845-0009

PRE-FORECLOSURE?? Awesome Autumn Answers and Alternatives Abound

Xavier Ramirez (FHA LOAN OFFICER 321HomeLoans.com) — Wed, 17 Oct 2007 03:00:06 -0500

If you are like many others and are having a difficult time making your monthly mortgage payments, we can help.

You don't have to go the route of an expensive and embarrassing foreclosure, there are FREE alternatives. My partners and I specialize in Short Sales. A short sale is the sale of a property in lieu of foreclosure and for a price short of a full payoff of the existing mortgage. If you are in the same position that thousands of homeowners are in and owe more than you can sell your home for, many lenders today will settle for less than what is owed to them. We specialize in making deals with lenders to help you avoid foreclosure.

You can save yourself from the embarrassment of having your name and property being listed publicly and potentially save thousands of dollars in debt/taxes that you would otherwise be responsible for if you are foreclosed on.

For more information feel free to contact us for a free consulation.

Xavier Ramirez

www.321HomeLoans.com

Mortgage Consultant

FHA Full Eagle Direct Lender

Direct line: 714-846-0503

Fax: 714-845-0009

SELL YOUR HOUSE NOW, VENDA SU CASA RAPIDO!

Xavier Ramirez (FHA LOAN OFFICER 321HomeLoans.com) — Wed, 17 Oct 2007 02:47:22 -0500

Are you sick and tired of your mortgage? Are you stuck in an ARM mortgage and cannot refinance because the sub prime underwriting guidelines changed?. We can close in weeks! save your credit from being destroyed (foreclosure) and buy your house and possibly leave you with cash in hand. We're looking for anything from a small condo to a large multi family!. Please email us with your information such as a:

1) House address

2) Mortgage owed on property

3) Any liens on property such as tax liens, lis-pendis, mechanical liens etc...?

We've helped plenty of costumers get out of their mortgage and saving their credit. Let us help you as well!

SE HABLA ESPAñOL - VENDA SU CASA RAPIDO!

Xavier Ramirez

www.321HomeLoans.com

Mortgage Consultant

FHA Full Eagle Direct Lender

Direct line: 714-846-0503

Fax: 714-845-0009

Pre-Foreclosure Free Info - Bankruptcy Alternative

Xavier Ramirez (FHA LOAN OFFICER 321HomeLoans.com) — Wed, 17 Oct 2007 02:25:13 -0500

ATTENTION, IF YOUR ARE IN PRE-FORECLOSURE OR FACING BK, PLEASE READ BELOW"

As you should know, your mortgage lender has just filed a lawsuit with your County Circuit Court to foreclose on your mortgage loan.

This means that if, for whatever reason, you cannot bring your loan payments current before the scheduled foreclosure sale date, your house will be sold at a public foreclosure auction sale at the County Courthouse to the highest bidder, and you will be evicted by the new owner.

If your house is sold this way, you will get absolutely nothing from the sale. The bank holding your mortgage only cares about getting back the money that you owe them. They do not care about what you get.

You could put your house on the market and try to sell it yourself. Or, you could take your chances and list it with a real estate broker. However, right now it takes about 2 to 4 months to sell a house in California.

I specialize in helping people in California who are in foreclosure. And I can help you, too! If you are also facing a Bankruptcy, I can help. If your home has a little equity, we can refinance your home and payoff the Bankruptcy Trustee for all your debts. This in turn will save you from having a Bankruptcy on your credit report for 10 years. Mortgage lates don't matter when it comes to subprime or hard money loans. All that you have to do is to pick up the telephone right now, and call me at 714-846-0503 to talk about your financing options. If you think you might have at least 30% equity in your home, then I can refinance your home and more than likely get you cash back if you choose. Your credit score doesn't matter in these situations. I will stop you from getting a foreclosure on your credit report which will set you back 10 years.

I look forward to hearing from you very soon and to working with you to stop your lender from foreclosing on your house.

Xavier Ramirez
www.321HomeLoans.com
Mortgage Consultant
FHA Full Eagle Direct Lender
Direct line: 714-846-0503
Fax: 714-845-0009

We'll Purchase a Christmas Tree for your New Home!

Xavier Ramirez (FHA LOAN OFFICER 321HomeLoans.com) — Wed, 17 Oct 2007 02:16:51 -0500

Act now and you can be in your new home for the holidays! Home prices are falling, rates are great, and there are still great loan programs out there with little or no money down.

I am a loan officer and my realtor can help you find a new home and save thousands of dollars in financing. Call or email me and let's get together and structure a plan for your home purchase. You will be happy you did!

We specialize in first-time home buyers and no money down!

You are also welcome to visit my website at www.321homeloans.com for more information.

Xavier Ramirez
www.321HomeLoans.com
Mortgage Consultant
FHA Full Eagle Direct Lender
Direct line: 714-846-0503
Fax: 714-845-0009

REVERSE MORTGAGE - IS IT RIGHT FOR YOU?

Xavier Ramirez (FHA LOAN OFFICER 321HomeLoans.com) — Wed, 17 Oct 2007 02:09:50 -0500

REVERSE MORTGAGE - GET THE STRAIGHT FACTS UPFRONT...

What is a Reverse Mortgage?

If you or your parents are the age of 62 or older, you can use the money that is built up as equity in their homes to help them stay in their home with out making any payments.

Some of the Benefits of a Reverse Mortgage are:

1. Receive tax free funds for as long as you own your home.

2. No loan repayment as long as you live in your home.

3. No income, credit or additional assets to qualify.

4. You retain ownership of your home for life.

5. You can chose several cash flow options tailored to fit your needs.

6. Spend the funds any way you wish.

FIND OUT THE COMPLETE TOP 10 THINGS TO KNOW HERE:

http://www.hud.gov/offices/hsg/sfh/hecm/rmtopten.cfm

CALL ME TO GET YOUR LOAN STARTED!

Xavier Ramirez
www.321HomeLoans.com
Mortgage Consultant
FHA Full Eagle Direct Lender
Direct line: 714-846-0503
Fax: 714-845-0009

Direct Lender - DOWN PAYMENT ASSISTANCE FORMULA

Xavier Ramirez (FHA LOAN OFFICER 321HomeLoans.com) — Tue, 16 Oct 2007 13:31:34 -0500

Plus Seller Consessions+++

Look to Amerisave Mortgage Corp for all your HIGH Loan-to-Value transactions. We are a Full-Eagle Fully FHA compliant direct lender that will close your loans fast!

DOWN PAYMENT ASSITANCE FORMULA

OLD SALES PRICE OR SELLERS NET PRICE ___________

ADD ANY ADDITIONAL CLOSING COST ____________

ADD DOWN PAYMENT ASST. FEE __$295______

DIVIDE BY LOAN TO VALUE

ROUND UP TO NEAREST DOLLAR

SALES PRICE _____________

EXAMPLE:

OLD SALES PRICE $100,000

CLOSING COST PAID BY SELLER $4,000

DOWN PAYMENT ASST. FEE $295

DIVIDED BY .97% $107.520.62

ROUND UP NEAREST $1

NEW SALES PRICE $107,521

Information Needed:

-->Reconstruct the Contract to reflect the changes and we will need the NEW Contract before ordering the Appraisal.

-->Seller’s name and phone number.

-->Title company or Attorney’s phone number, address, and E-mail address.

Xavier Ramirez
www.321HomeLoans.com
Mortgage Consultant
FHA Full Eagle Direct Lender
Direct line: 714-846-0503
Fax: 714-845-0009

NO EQUITY?? You may qualify for a SHORT SALE

Xavier Ramirez (FHA LOAN OFFICER 321HomeLoans.com) — Fri, 05 Oct 2007 01:02:59 -0500

A short sale is a special transaction that allows
you to sell your home - even when your mortgage
debt is higher than the value of your home.

Our professionally trained real estate agents are specifically trained on how to negotiate a settlement with your current lenders so you can sell the property and get out from under this burden. Best of all, my commission will be paid by
the bank, so you won't have any out-of-pocket expense!

A SHORT SALE WILL HELP YOU:
Avoid Foreclosure
Avoid Bankruptcy
Protect Credit Score from "foreclosure" ding
Be free of financial & emotional burdens

If you are ready to sell your home and free yourself from this debt, call me today for a free consultation. Short sale requires a trained professional for a successful transaction, so call me today to help you find a solution.

Xavier Ramirez
www.321HomeLoans.com
Mortgage Consultant
FHA Full Eagle Direct Lender
Direct line: 714-846-0503
Fax: 714-845-0009

WE STOP FORECLOSURE PROBLEMS IN THEIR TRACKS! CALL NOW!

Xavier Ramirez (FHA LOAN OFFICER 321HomeLoans.com) — Fri, 05 Oct 2007 00:26:37 -0500

Stuck in a Foreclosure problem??? We can help and keep you in your home!

It's best to act early and call us today for a quick and easy free consultation with our friendly and helpful staff. We offer several solutions to help solve the foreclosure problems of today's market. Often negotiating with banks on your behalf or finding you a new loan are the two most common methods we use to help get you a fresh start.

NOTICE: DO NOT SELL YOUR HOME TO AN "INVESTOR" WHO WANTS TO FLIP IT AND SHARE THE EQUITY WITH YOU! IT'S AND EASY WAY FOR THEM TO SCAM YOU OUT OF YOUR HOMES EQUITY! ~~ ANOTHER SCAM IS WHEN THEY WANT TO "LEASE IT BACK TO YOU" - NEVER NEVER NEVER GIVE UP YOUR TITLE!!!!

Call us today for your free consultation

Xavier Ramirez
www.321HomeLoans.com
Mortgage Consultant
FHA Full Eagle Direct Lender
Direct line: 714-846-0503
Fax: 714-845-0009

Realtors and Businesses Can Offer Employees More Benefits

Xavier Ramirez (FHA LOAN OFFICER 321HomeLoans.com) — Thu, 04 Oct 2007 19:46:59 -0500

In the past, benefit programs were designed as a one-size-fits-all answer to a homogenous work force. Organizations now recognize that a carefully crafted compensation and benefit program could give them an edge in a rapidly changing environment. Below is a short list of the areas that have created the need for change:

* A competitive business environment
* Work force demographic changes
* Rapidly rising healthcare benefits costs

These forces and others have caused HR professionals to look for ways to contain costs and help contribute to a business's bottom-line. The outcome has resulted in the next generation of compensation and benefits. Forward-thinking professionals realized that while program cost controls have been pivotal for survival, they still must provide additional benefits that can help attract and retain valuable employees.

HomeBenefitIQ offers a solution and a way for employers to enhance their benefit packages without increasing overhead. We assist you in creating more value in your benefit package by providing a benefit that streamlines the buying and selling of their most valuable asset -- real estate. We have designed a way to bring high-service/low-cost real estate services to organizations and their members. This cutting edge benefit is superior to anything in the marketplace and provides services reaching beyond reduced rates and fees.

Go to: http://www.homebenefitiq.com - use Client Code: XXR33

Contact me to get started

Xavier Ramirez
www.321HomeLoans.com
Mortgage Consultant
FHA Full Eagle Direct Lender
Direct line: 714-846-0503
Fax: 714-845-0009

Homeowners Have Options Even Without I.C.E - Income - Credit - Equity

Xavier Ramirez (FHA LOAN OFFICER 321HomeLoans.com) — Sun, 16 Sep 2007 19:58:05 -0500

We have successfully helped homeowners that are facing foreclosure and are upside down and have low credit scores...

Here is a common scenario:

Borrower calls me, I quickly assess the situation...they are self employed, need a 95% LTV loan, have a 530 mid score, are currently two payments behind and by the way they can’t afford their newly reset adjustable payment. Most likely another dead deal. I don’t think so.

Here is a snapshot of some of the issues I can assist with:

Fact: Well over 50% of the borrowers that need to refinance within the next 18 months will not have the equity, credit score or programs available to do so.
Fact: There will be close to two million homes in foreclosure by the end of 2007.

Fact: Over 65% of these foreclosures do not have enough equity to refinance. NO, not even hard money will save these borrowers.

Fact: An interest rate cut will not make any difference.

Fact: This market will get worse, much worse, before it gets better.

DONT DELAY - ACT NOW!

Xavier Ramirez
www.321HomeLoans.com
Mortgage Consultant
FHA Full Eagle Direct Lender
Direct line: 714-846-0503
Fax: 714-845-0009

Loan Officer Sets the Bank Straight - Assists in Saving Homeowners Home

Xavier Ramirez (FHA LOAN OFFICER 321HomeLoans.com) — Sun, 16 Sep 2007 19:53:58 -0500

We have successfully helped homeowners that are facing foreclosure and are upside down and have low credit scores...

Here is a common scenario:

Here is a snapshot of some of the issues I can assist with:

Fact: Over 65% of these foreclosures do not have enough equity to refinance. NO, not even hard money will save these borrowers.

Fact: An interest rate cut will not make any difference.

Fact: This market will get worse, much worse, before it gets better.

DONT DELAY - ACT NOW!

Xavier Ramirez
www.321HomeLoans.com
Mortgage Consultant
FHA Full Eagle Direct Lender
Direct line: 714-846-0503
Fax: 714-845-0009
WE WILL GIVE YOU THE TRUTH ABOUT LOANS!