All you have to do is click here to make a secure, online donation before 08/13/08. Your donation will help families living in our community and help guarantee me an early release. I can't wait to add you to my list of contributors.
Thanks in advance for your help. Don't hesitate to call or email me with any questions.
This is an annual event here in Spokane (they also do it in other parts of the country) to raise money for MDA. It is a charity aimed at children with life changing medical problems. They do not actually lock you up anymore, they used to put you in a "cage" at the mall. Now it looks like we will be in a banquet room and until we raise bail or the day is over we do not go home. Here in Spokane the money goes mainly to fund things like the Shriners Children Hospital. To benefit area families affected by neuromuscular disease. With your help, MDA provides a comprehensive program of services including assistance with the purchase of wheelchairs and leg braces, support groups, clinic visits, diagnostic work and genetic counseling as well as a week-long summer camp program for youngsters with neuromuscular diseases. Here is the link to learn more about the charity www.mda.org
I just signed up for this years "Lock Up" And I am challenging everyone in the real estate profession to dig out just one dollar and help these kids. The MDA and Jerrys kids have done some amazing things and it wouldn't be possible without generous donations from people like you. Imagine if we all gave one dollar what that would amount to and how many kids could be helped. A dollar doesn't buy much these days but it could sure add up if we each gave one. Thank you in advance for your time and donations to this awesome cause
Here is the link for secure donations and to read more about the cause.....
You can also send donations (through Thursday they should be reached on time) to
Leisha Clure
Countrywide Home Loans
914 E Mission Suite B
Spokane WA 99202
I NEED YOUR HELP!
I'm going behind bars for "GOOD" PLEASE HELP BAIL ME OUT!
Your donation is my key to freedom! Be proud of the fact that together we're providing help and hope to kids and adults served by MDA in our community.
New Loan Lending Rules Take Effect October 1, 2008
On July 15, the nation's central bank issued new lending rules which will take effect October 1, 2008. The rules will apply to all lenders, not just those regulated by the central bank.
"Rates of mortgage delinquencies and foreclosures have been increasing rapidly lately, imposing large costs on borrowers, their communities and the national economy," Federal Reserve Chairman Ben S. Bernanke said as he opened a meeting of the Federal Board, which approved the new rules.
The new regulations target the subprime mortgage market, which has been largely unregulated because the loans are secured and held by private investors. Subprime mortgages, designed to make loans available to borrowers with low incomes or poor credit, carry above-market interest rates to compensate investors for the added risk of default.
For subprime loans, the new rules will:
Prohibit lenders from lending to borrowers who cannot repay the loan from income and assets other than a home's value.
Require lenders to verify a borrower's income and assets.
Ban prepayment penalties for the first four years of any adjustable-rate subprime mortgage; other subprime mortgages could have no prepayment penalties for two years.
Require lenders to establish escrow accounts for property taxes and homeowner insurance for all first-lien mortgages.
For all mortgages, prime and subprime, the new rules will:
Prohibit seven misleading advertising practices, including representing that a rate or payment is "fixed" if it will change over the course of the loan.
Prohibit advertising in which different loans are compared unless all payments and rates are also disclosed.
Prohibit foreign-language mortgage ads in which required disclosures are presented in English.
Prohibit a lender from encouraging or coercing an appraiser to misrepresent a home's assessed value.
Require lenders to credit borrowers' payments on the day of receipt.
Prohibit so-called "pyramiding" of late fees.
Require a lender to provide a payoff statement within a reasonable amount of time.
Require a good-faith estimate of all loan costs and payments within three days of an application for any loan secured by a home's value, including home equity loans and refinancings of the original mortgage.
The rules "are intended to protect consumers while keeping credit available to qualified borrowers and supporting sustainable homeownership," Bernanke said.
Hello all and thanks for checking out my blog! There have been many changes to the local Mortgage Market this last year and we are glad to be thriving here at Countrywide. Thanks to all who have helped us to do so well! I hope this coming year will even be better. I am going to now devote my blog to the changes as they are happening and this will become an informational blog with updates as I get them. I hope this will be a more useful part of your life and/or business this way! The blogs to follow will generally be my educated opinion and are not to be taken as otherwise. Thanks and have a great year!
Here at Countrywide we offer professional, competent home loan services. We specialize in finding the perfect loan for your unique needs! We offer all types of financing, credit and buyers! We have experts in single family homes, multi unit investor loans, hard money, lot and construction, loans, debt consolidation, and more!
To Help You Find the perfect loan in combination with the perfect home for you and your family. I am not looking just to close your loan, I strive to build a financial partnership for life. I always present myself in a professional manner and hope to always be someone who's name you are confident to pass along to friends and family. What you should know:
I work closely with everyone involved in your transaction ( Realtors, appraisers, closing agents,etc.)from start to finish to ensure a smooth process. I am very proactive and upfront about the progress of your loan. LINKS FOR BUYERS School reports: school reports, statistics, demographics Local information: local area info, statistics, events Spokane Public MLS: Use MLS (multiple listing service) to find available homes in Spokane County Local weather: forecasts, weather patterns, radars Tax information: Spokane County Tax Records How we will work together:
I will be upfront and professional at all times. I will notify you immediately every time there is an update on your loan. I do have an online system that lets you watch the progress of your loan also. I do ask that you gather all required documentation in a timely manner to ensure the fastest processing of your loan. Communicaton is the key and I am always available to my clients!
To provide you with the tools and resources necessary for selling your home on your own. I offer buyer screening. Many time buyers will want to buy a property and not know if they even qualify. Don't let people waste your time in showing them your home, If they are not qualified. I can get their application processed and send them back to you upon approval. This also helps to speed closing time. I also offer marketing help. Flyers, online advertising and open houses are a great way to get the word out about your home. These services are offered at no cost to you I ask only that you refer interested buyers to me.
Countrywide is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound financial choices.
Countrywide Home Mortgage, prides itself on our service and commitment to our borrowers. Whether you are a first time home buyer, consolidating debt, making improvements to your home, or a savvy investor; Homemade Mortgage, Inc will be there for you every step of they way. We will be your lender today and tomorrow and provide you the confidence to refer your friends and family Call Leisha Today 509-263-0397
Countrywide Financial is proud to have become a wholly owned subsidiary of Bank of America Corporation. We have become America's leading home loan provider and we know with this position comes great responsibility to our communities and our customers. We are committed to responsible lending practices, meaningful community development initiatives and providing a broad suite of products. Combining the two companies will create unique opportunities that will build stronger customer relationships and deliver solutions that are more responsive to customers needs.
With nearly 40 years of experience in the mortgage business, Countrywide is committed to continuing to help customers achieve and sustain homeownership. Countrywide is very excited about the opportunities this merger will provide.
2311 W 16th 2 bedroom 2 bath manufactured home in south hill park Very nice 1979 double wide manufactered home in Cascade Park a 55+ community only 5 minutes from downtown. This home has Cent AC, vinyl windows, a carport, deck and has been well taken care of. A must see Open 1-3 only $40,000 !!
2321 W 15th 3 bedroom 2 bath manufactured home on a .25 acre lot on the south hill. Very nice & spacious double wide 2001 manufactered home on a lot and 1/2. This home has 1568 sq ft, a deck, vinyl widows,cent A/C, pantry, master has walk in closet and much more. Plenty of room to add a garage/shop. All appliances stay. HURRY THIS WILL SELL FAST! Open Sunday 1-3 $148,000
Hello all and thanks for checking out my blog! There have been many changes to the local Mortgage Market this last year and we are glad to be thriving here at Homemade Mortgage. Thanks to all who have helped us to do so well! I hope this coming year will even be better. I am going to now devote my blog to the changes as they are happening and this will become an informational blog with updates as I get them. I hope this will be a more useful part of your life and/or business this way! The blogs to follow will generally be my educated opinion and are not to be taken as otherwise. Thanks and have a great year!
Here at HomeMade mortgage we offer professional, competent home loan services. We specialize in finding the perfect loan for your unique needs! We offer all types of financing, credit and buyers! We have experts in single family homes, multi unit investor loans, hard money, lot and construction, loans, debt consolidation, and more!
Everyone is always pushing for a home inspection on the purchase of a home. While I do agree that this is a useful practice and a good idea, I wonder why more professionals do not make consumers more informed about the benefits of a home warranty. A home warranty generally covers most of the items included in a home inspection but for a little more it will pay (minus a small deductible) to fix whatever goes wrong. A good home warranty will cover almost everything in the house as well ~ appliances, fixtures, & water heater. As often as I recommend these to homebuyers and homeowners, most people have never heard of such a concept. You can even pay an extra premium with most companies to cover things like the air conditioner and the septic tank! This is also a great tool for sellers. Buyers will feel more comfortable that if anything goes wrong in their new dream house it will be covered. There are even a few companies out there that will give you a free home inspection or a few extra months if you are a seller obtaining a warranty. You can also get discounts for seniors, military, and professional discounts. I hope you will be motivated to look deeper into the value of a home warranty in addition to your inspection, and feel the piece of mind that accompanies! Realtors ~ Home warranty agents can set you up with ad packages to help you get the word out about what they offer in their particular warranty and it will help you get your name out as a responsible customer oriented professional.
This is only my opinion and not endorsed in any way by anyone in particular. WWW.HOMEMADELOANS.COM
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.
Call Leisha @ Countrywide 509-263-0397 or 
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