loan: What Makes A Good Credit Repair/ Optimization Company? - 08/07/08 01:49 PM
In the past two months I have been reacquainting myself with the mortgage business after working in the Title Insurance and Realtor Training arenas for the past two years. Now I remember what I hated the most about lending...turning eager buyers away because of damaged credit.
So I went searching for … (0 comments)
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loan: 4% 50 Year Mortgage Solution - 08/06/08 07:14 PM
Could we fix the sub-prime mess by letting homeowners roll their 7 percent sub-prime 30 year mortgage into a 50 year 4 percent mortgage? What about just letting them keep the 30 year mortgage and reducing the rate to 4%?
A pretty normal short sale in Key West Florida is a mortgage on … (0 comments)
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loan: You Can Still Qualify for a Mortgage! - 08/06/08 02:41 PM
It's been sometime since I last "blogged". I've gone through some serious personal issues with my Dad. I am going to do my best to provide new posts at least on a weekly basis going forward.Since my last post, the mortgage and credit markets have continued to tighten, the economy has … (0 comments)
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loan: UnusualCommercialLoans.us Funds 100% LTV on Income Producing Properties • No Money Down! - 08/06/08 02:08 PM
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100% Financing?
How?
Bancofino's Unusual Commercial Loan Division (UCL) looks at weird loans from a holistic approach. We are story based lenders and brokers. We can relate to the borrower's wants and needs. We don't just look at FICO's, DSCR's, etc. We look at the borrower's business plan and … (0 comments)
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loan: Get a grant for your first time homebuyer !!! Up to $10K towards the purchase of your first home. - 08/05/08 02:27 PM
So I've been looking for financing options to help out home buyers get that 1st home.(First time buyer being anyone who has not owned a home in the last three years)
Sure there are a few remaining places you can get a 100% loan these days, Rural Development, VA...some niche products within … (0 comments)
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loan: No Points No Origination fee loans and WHOLESALE RATES ROY MASON Mortgage Loan Specialists CALIFORNIA www.SanDiegoRealtyUpdate.com - 08/05/08 12:16 PM
No points NO ORIGINATION FEE LOANS Mortgage Loan Specialists inc
CALL FOR A FREE QUOTE ANYTIME 7 days a week and visit my webste IM a Realtor and Loan officer
www.SanDiegoRealtyUpdate.com click on MORGAGE LOAN SPECIALISTS TAB on the website
… (0 comments)
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loan: Investment real estate in an IRA, it's as easy as NASB - 08/04/08 11:36 PM
They use to say it couldn't be done, but a local Kansas City lender (NASB) is now offering a non-recourse loan for real estate investing with your IRA.
Property types vary but are typically restricted to single family residential, duplex, fourplex or multi-family (5 or more units).
What does Non-Recourse mean? A … (1 comments)
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loan: Unusual Commercial Loans.us • How to Get 100% Financing for Gas Stations, Bars, Restaurants, Car Washes, etc • We Say YES When Banks Say NO! - 08/04/08 02:59 PM
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WHY ARE THESE PEOPLE EXCITED?
THEY ALL GOT 100% FINANCING!
Bancofino approves over 90% of unusual and weird loans submitted for review. How can we do that? First, we stress to our potential borrowers to make sure their loan package submissions are as complete as possible. Applications must be completed … (8 comments)
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loan: The Last Minute Credit Check and Your Home Loan - 08/04/08 02:43 PM
As a Home Loan Applicant...Did You Know?The mortgage lender may run a second credit report just prior to closing.Red flags that appear in this credit report can disqualify you for the mortgage loan at the last minute.This often means that you will also loose your earnest money for failing to perform as … (0 comments)
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loan: An Ocean of Options! - 08/04/08 10:37 AM
As a buyer, you may find yourself drifting on an ocean of financing options. As lenders tighten their requirements, there are a few aspects of the loan application of which you should be aware before applying for a mortgage.
First, determine whether you are seeking "pre-qualification" or "pre-approval." What's the difference? … (0 comments)
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loan: Easy Terms No Bank Qualifying 4 bed 3 bath 8 acres Orange Va. - 08/04/08 09:25 AM
Gorgous country living in Orange Virginia. This home is being sold at a reduced price. 8 wooded acres
Easy financing NO BANK QUALIFYING Financing available for anyone with a 500 or better credit score
Move in with no money down in most cases.
Investor financing available at 90% with a … (0 comments)
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loan: Sell Your Home Fast, And Get Paid! - 08/03/08 10:11 PM
The Mortgage Revolution Has Begun !Here are our program guidelines:** 500 Credit Scores and Up** 6% - 8.5% 30 Year Fixed Rates** Investor Loans Available** 2 Years out of Bankruptcy** 2 Years out of Foreclosure** No Pre-Payment Penalty** Closings in as little as TWO Weeks!How You Get PaidJoin at Gold Level … (4 comments)
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loan: Before You Buy a Bank Owned Home At Auction Read This - 08/03/08 03:18 PM
Lenders are doing whatever they can to sell their inventory of REO homes. There are entire portfolios being sold wholesale for 60 to 70 cents on the dollar of the BPO price-which can be a great deal if you have $10 million or more to invest.
Most homes are being … (3 comments)
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loan: FHA Down Payment Assistance Ready to Go Away - 08/02/08 10:17 PM
When President Bush signed HR 3221 into law on July 30th, 2008, he took what may be the most damaging step to actually hurt the housing market. I say this because he has completely done away with the FHA Down Payment Assistance program and raised the minimum percentage of funds that the … (0 comments)
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loan: Meet Dawn Millham-Baker of USA mortgage in St.Louis, Missouri. - 08/02/08 11:19 AM
Dawn Millham-Baker has built her business on the dual foundations of experience and service, and her success in doing so is demonstrated by her large client base and the tremendous number of referrals she receives from past clients.
Recognized as one of the top producers in the local retail … (1 comments)
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loan: Seller Credits to the Buyer - 08/01/08 07:18 PM
Hi Friends,I just went to an excellent work shop with a real estate attorney who is on the Florida FAR BAR committee. He reminded us about the changes this year. He gave us some great insight that I'll share with you!
Keep in mind that I'm NOT an attorney and I … (0 comments)
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loan: Housing Bill Approved - a JOLT of Good News! - 08/01/08 10:17 AM
Real Estate Outlook: Housing Bill Approvedby Kenneth R. Harney
Copyright © 2008 Realty Times. All Rights Reserved.
With an award winning staff of writers providing up to the minute real estate news and advice, thousands of REALTORS® in North America reporting daily market conditions, and a nationally broadcast television news … (0 comments)
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loan: Mortgage Rate Locks Become Crucial - 08/01/08 10:10 AM
Mortgage Rate Locks Become Crucial
An interest rate lock is always a good idea in any market. But it becomes a better idea when it's crucial to lock in an interest rate and other loan costs at a level you can afford.
A changing market -- especially when the change is … (0 comments)
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loan: Bancofino Experiences a Flood of Unusual Loans Submissions Via ActiveRain • Keep Them Coming! - 08/01/08 08:18 AM
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Bancofino, creators of the 100% LTV commercial loan is on pace to doubling its loan production from this time last year. Investors, banks and brokers are beginning to realize the importance of 100% commercial financing. There is simply no one else offering this unique product. The flood of unusual … (0 comments)
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loan: Beautiful 3 STORY 4bdrm /4 BATH /2 CAR GARAGE Home in SANTEE FOR SALE In the MID $400s! BUILT 2003-05 - 07/31/08 04:55 PM
3 STORY
3 MASTER BDRMS / 4 BDRMS TOTOAL /
4 BATH
2 CAR GARAGE
COMUNITY POOL in LIKE NEW CONDITION
CONTACT ROY MASON at PROPERTY IN MORNING SIDE on DAY BREAK for FULL MLS REPORT AND PHOTOS!
www.SanDiegoRealtyUpdate.com SPECIAL FINANCING AVAILABLE!
… (0 comments)
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loan: Facing Foreclosure? Are you a Victim of Predatory Lending? - 07/31/08 04:34 PM
Are You Facing Foreclosure?
You may need a loan modification, loan workout, or be a candidate for foreclosure help or mediation. Are you having trouble making payments on your home mortgage? Is your property worth far less than what you owe? Millions of other Americans are facing the same dilemma - … (1 comments)
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loan: When It Comes to Choosing A Commercial Lender • Never Judge a Book by Its Cover - 07/31/08 11:14 AM
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BANCOFINO COMMERCIAL LENDING
YOUR AGGRESSIVE LEADER
When you are shopping for a commercial lender, what do you look for? Do you look for a fancy web site with all the bells and whistles? Are you impressed by a fancy office or a nice voice over the telephone? Do you … (2 comments)
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loan: The Housing and Economic Recovery Act of 2008 is Signed into Law - 07/30/08 09:23 PM
Recently, the House and Senate passed broad-based housing legislation, which was signed into law by President Bush this morning. Heralded as the most sweeping housing reform since the "New Deal", it includes the creation of a strong regulator for Fannie Mae and Freddie Mac, changes in conforming and FHA loan limits, … (2 comments)
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loan: HOEPA Home Ownership and Equity Protection Act - 07/30/08 08:36 PM
The Federal Reserve approved HOEPA which amends Regulation Z Truth in Lending requirements. The new rules take effect on October 1, 2009, except for the escrow requirement, which will take effect in 2010. Regulation Z has protects people from unfair and deceptive predatory lending, but NEW to the mix are the … (0 comments)
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loan: What You May Not Hear About The Housing And Economic Recovery Act of 2008 - 07/30/08 06:47 PM
The Housing and Economic Recovery Act of 2008 was signed today and that could mean you or someone you know may qualify for up to a $7,500 Refundable Tax Credit.
But...
Be Informed
There are some strings attached to this tax credit that you may not be aware of:
(Click here … (1 comments)
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loan: How will the New Housing Bill Affect Little 'Ol Me in Minnesota? - 07/30/08 03:57 PM
Upon the President signing the new housing bill, the following changes will take place:
The seller paid Down Payment Assistance programs (DPAs) Nehemiah, Ameridream, and others, will be eliminated. Any transactions in process must close by October 1st. This date is subject to change. Most of these programs used a non-profit organization as a … (0 comments)
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loan: Shopping for a Reverse Mortgage Lender - 07/30/08 03:45 PM
Reverse Mortgages are a very confusing and complex product, so shopping around for the correct lender can often be difficult. However, there are 6 main points that a homeowner can focus on to make this process easier and ensure they are choosing the best lender for their needs.
1. … (0 comments)
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loan: Where in the world can I get 100% financing? - 07/30/08 03:39 PM
This question seems to be on everyone's minds these days.
Fortunately down payment assistance is still in our playbook for mortgage financing for now, which is usually the way most deals are done these days with the FHA program.VA also is a good way to go...but only if you have military … (1 comments)
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loan: Correction to blog on HR 3221 - 07/30/08 03:11 PM
Yesterday I wrote a blog about HR 3221. Today I corrected some of the information in that blog but thought since some of you have already viewed it, I should also post a correction separately. I took my information for the Library of Congress but the bill was amended since then.
… (4 comments)
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loan: What the FHA is Going On? - 07/30/08 01:52 PM
Used to be FHA was a four letter word. Builders could care less about qualifying and lenders were hard pressed to justify the amount of time and work required to close on an FHA loan.
Are you wondering what is happening with the local, regional and national real estate market. Well … (2 comments)
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loan: Commercial Borrowers • Learn From Others, But Bring Your Loan to Us • We'll Close It! - 07/30/08 12:31 PM
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The best borrower is an educated borrower. We emphasize to our commercial clients about getting educated on securing a commercial loan. Be savvy! Learn as much as you can about the various programs being offered. Attend seminars, watch videos and ask plenty of questions about the complexities of commercial finance. It is not … (0 comments)
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loan: Bancofino Funds Unusual Commercial Loans • Find Out How? - 07/30/08 10:53 AM
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Bancofino, the leader of the 100% LTV loan now funds unusual and weird loans. We gladly welcome your bank turn down loan no matter how unusual and weird it is, we will give you time of day. As you know, bank lenders are more stringent now more than ever … (0 comments)
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loan: Dear Mr. Bancofino • How Can You Offer 100% LTV Commercial Loans? • Please Tell Us! - 07/30/08 08:42 AM
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LOAN ANALYSIS TEAM
APPROVES YOUR LOAN
We at Bancofino utilize a common sense approach to commercial loans. We are a story based mortgage company. We see the facts as they really are through crystal clear lens. We listen to you. We hear you. We work with you. Tell … (0 comments)
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loan: TEN THINGS I WANT FROM MY LENDER - 07/29/08 04:43 PM
ACCESSIBILITY. Return my call by the end of the business day.
TRUTH. Tell the client and me the truth about the process ~ always!
DIRECT COMMUNICATION. With respect for client privacy, tell me immediately when something changes or things happen that will affect our desired outcome.
DISCRETION. How much … (0 comments)
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loan: Bancofino Turns Your Unusual Loan to a Normal Loan Approval • Call For Details! - 07/29/08 11:04 AM
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CUSTOM FINANCING
SUBMIT YOUR LOAN TODAY
Bancofino welcomes your bank turn down loans. It doesn't matter how weird or unusual it is, we will turn it into an approval. Our team of experts will analyze your loan submission and determine what is needed to convert your loan into … (0 comments)
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loan: Protecting a spouse with a reverse mortgage. - 07/29/08 09:55 AM
As the awareness of Reverse Mortgages grow, many folks are learning the benefits of this government insured program and adapting it to their financial planning needs. I have recently seen an increase in couples inquiring about Reverse Mortgages as a financial protection tool for their spouses in the case of one … (0 comments)
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loan: Bancofino Welcomes Competition and the Joy of Capitalism • God Bless America! - 07/29/08 08:20 AM
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FREEDOM!
Bancofino recognizes no peers in the commercial financing business. This is a dog eat dog world we live in. Only the strong will survive. He who offers the best product, the best service and the best terms will crush the competition. Therefore, no matter what industry you are … (0 comments)
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loan: Bancofino Soon to be Hiring Commercial Loan Officers • Offer 100% LTV and Start Closing Loans! - 07/28/08 10:22 PM
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OFFER 100% FINANCING & CLOSE MORE DEALS
JOIN US TODAY!
Bancofino will soon be hiring commercial loan officers in your area. Are you happy with your mortgage broker? Are they paying you enough commission? Looking to offer a unique financing product? If so, feel free to contact us … (0 comments)
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loan: Your Mortgage Cost - 07/28/08 07:33 PM
Why aren't there CARTORS® to help you buy a car when we've got REALTORS® to help us buy houses??? Buying a car is worse than having all of my finger nails and toe nails ripped off with pliers. As I sit in the finance office after 5 horrible hours with someone … (0 comments)
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loan: Bancofino Offers a NO CLOSING COST Commercial Loan with NO DOWN! - 07/28/08 06:34 PM
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YOU HEARD IT RIGHT PARTNER!
NO CLOSING COSTS & NO DOWN LOAN!
Bancofino originates commercial loans with NO closings costs and NO downpayment! That is correct. Six out of ten commercial loans we originate entail no out of pocket costs to the borrower. How is this possible? We are … (0 comments)
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loan: 100% Financing Sounds Real Good! Doesn't It? Ask Bancofino How to Get Your 100% Loan Today! - 07/28/08 12:09 PM
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100% FINANCING
GET YOUR 100% LOAN TODAY!
Yes! We can offer you a true 100% commercial loan! How do we do it? First, you must be realistic with your goals of achieving maximum financing for your project. Just follow some simple guidelines listed below:
Good credit.
Cash reserves.
A well … (0 comments)
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loan: 2009 EPA Compliance or Convenience store loans - 07/28/08 08:51 AM
If you own a convenience store with gas service, you know the clock is ticking on being EPA compliant by 2009.
Waiting could make this expensive proposition cost even more.
If you need to finance the heavy cost of upgrading your business, give Rebecca a call at Schrader Inc. - 863-229-1235
We … (0 comments)
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loan: (DPA) DOWNPAYMENT ASSISTANCE - HERE AND TOMORROW - WHAT'S GOING TO HAPPEN? - 07/27/08 08:06 PM
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Ladies and gentlemen. I see there is a wide array of opinions on DPA from the pros to the cons. It will always be like this, regardless of the subject matter, people will take sides. Well, here is my side of things. Being I am a DPA provider on … (0 comments)
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loan: BANCOFINO WANTS UNUSUAL AND WEIRD COMMERCIAL LOANS NOW! - 07/26/08 11:26 AM
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UNUSUAL LOANS APPROVED!
APPLY TODAY
Do you have an unusual loan that has been turned down by your bank? Has your broker been shopping your loan to no avail? Can't find the approval you need? Look no more my friends. Bancofino to the rescue! We fund all types of commercial loans … (6 comments)
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loan: Mortgage Mess - 07/25/08 10:47 AM
The Mortgage Mess we are in is the worst market I have been in. However, things do change. The Memphis Tn market may not be as bad as other parts of the country. Shelby County and surrounding areas have challenges which include helping first time homebuyers get in for little or … (0 comments)
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loan: Foreclosures More Than Double - 07/25/08 09:28 AM
The head lines in Yahoo this morning read "Foreclosures More Than Double In 2007", Ouch! I'm a forever optimist which drives my husband nuts, but I truly don't see what the banks are trying to accomplish here. First of all I know several people who have tried to work with the … (6 comments)
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loan: When a rate buydown might make sense - 07/24/08 08:55 PM
Should a homebuyer pay "points" to lower their interest rate on the loan? Good question.
A refresher: Let's say you qualify for a loan rate of 6.5% on your new loan of $200,000. The lender says that you can "buy down" your rate by paying them some additional money at closing. … (3 comments)
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loan: Get 100% financing legally -- even with less-than-perfect credit! - 07/24/08 08:05 PM
I imagine everyone has heard about the wonders of the "new" FHA loan program ... but maybe not!
It's important enough to repeat, especially for homebuyers who have heard all the horror stories about how hard it is to get a loan these days -- and assume they couldn't get a … (3 comments)
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loan: FHA Loan Impact From The Housing Bill That Just Passed Yesterday! - 07/24/08 10:42 AM
The House passed the Housing Bill yesterday with the primary goal of providing a safety net to GSEs Fannie Mae and Freddie Mac and will have an impact on the FHA Loan.
However there are some other important bits to the housing bill.
It will allow The FHA to guarantee up to … (9 comments)
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loan: Downpayment Assistance Programs - 07/22/08 02:36 PM
Has anyone heard anything about the Home-buyer Down Payment Assistance Programs being in jeopardy? I heard that these programs may be shut down in the very near future. It would be a shame if one of the best tools to help first time home buyers was done away with. Please call 1-866-751-DREAM and speak to your senator … (1 comments)
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loan: NC Home Mortgage Loan Lender - 07/21/08 09:49 PM
As a NC Home Mortgage Loan Lender we are offering a variety of home loan programs with various lenders. FHA mortgage loans are one of the top mortgage products that our clients ask for. Please visit our FHA mortgage section. We are also having a lot of VA loan applications from Veterans looking to take advantage of the … (0 comments)
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loan: Well folks another rocky day for mortgages... - 07/21/08 03:10 PM
It has been a rough Monday for the mortgage market. A big wholesaler has just dropped out of the market. Wachovia has suspended all wholesale operations. This is another big lender to pack up shop and will have a big effect on mortgage brokers and the market. I know a few … (8 comments)
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loan: Bye Bye "Liar Loans" - 07/21/08 02:55 PM
The federal government has stepped in and put its foot down. Lenders are no longer allowed to grant subprime mortgage unless there is proof you are able to repay it! This includes those jumbo mortgages too.
For a while, verifying a borrower's ability to pay was out of fashion. Now, the Federal Reserve has banned … (0 comments)
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loan: Providence Offers Rehab Funds for Foreclosed Homes - 07/21/08 02:51 PM
The City of Providence has announced a new homebuyer loan for those purchasing previously foreclosed properties. This program, called, the Foreclosed Homes Rehab to Homeownership Program for Homebuyers, offers as much as $50,000 through an interest-free loan to buyers of previously foreclosed homes who will be living in those homes once … (2 comments)
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loan: Deciding On A Loan - 07/21/08 09:34 AM
Trying to decide on what type of mortgage loan can be an overwhelming task. It isn't easy to sort through all the possibilities and know which benefits will best suit your needs.
It is wise to know the types of loans that are available and then choose the one that works … (0 comments)
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loan: Clients' Market Opinions - 07/19/08 09:22 PM
It seems like everyday I meet someone outside of the real estate industry who has an opinion on what's going on in the market and how wants to let me know how much they know and have read. Always great to hear these stories and see how other people view the … (8 comments)
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loan: Home Loan Applications Jump! - 07/19/08 08:56 PM
With all the stock market jitters about Fannie Mae, Freddie Mac and the U.S. mortgage system, you might have the impression that the real estate market is on the edge of some sort of cliff.
But that's wrong: Would you believe that new home loan applications jumped by a seasonally-adjusted seven … (2 comments)
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loan: Short Sales , Are they Good for the Lender or the Homeowner? - 07/19/08 02:47 PM
Short sale (real estate)
In real estate, a short sale is when a bank or mortgage lender agrees to discount a loan balance due to an economic hardship on the part of the mortgagor. The home owner/debtor sells the mortgaged property for less than the outstanding balance of the loan, … (0 comments)
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loan: The Commercial Mortgage Loan Process - 07/18/08 06:49 PM
THE COMMERCIAL LOAN PROCESS
I'm asked all the time from my students how to start the loan process on a commercial loan, so I thought I would post the basics are to start a commercial loan.
In the initial contact with the client your job is to get as much information … (0 comments)
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loan: No Cost HELOCs Still Alive and Well in Oregon - 07/17/08 10:35 AM
Based on the number of inquiries coming in, people seem to be out looking for replacements for the many HELOCs that have been frozen by lenders this past year - lenders such as Washington Mutual, Citi Home Equity, National Home Equity, Countrywide, and the latest lender, Indymac.
There are still home … (7 comments)
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loan: 5 Key questions to ask your mortgage broker before signing on the dotted line - 07/17/08 05:26 AM
Now more than ever, Americans are discovering the importance
of having a handle on their finances. Budgeting projected monthly
expenses and future investments helps consumers determine whether or
not homeownership is financially feasible. By addressing the following
key questions with The Tampa Bay Mortgage Pro you can gain a better … (0 comments)
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loan: Divorce and your home…What should you do? - 07/16/08 11:37 PM
Yesterday I got a call from a person who is friends with one of my clients. She had a question about her home and if one of the two people on the title could sign over the title to just one person.
I asked what the reason was for taking the … (6 comments)
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loan: How Much Down Payment Do I Need To Buy Rural Real Estate? - 07/16/08 11:44 AM
One of the best things about the UDSA Rural Real Estate Loan is that it allows people with low to moderate income to qualify to buy real estate in a rural designated area for zero down payment.
Nothing Down...
No money out of pocket at all to get a USDA Rural … (0 comments)
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loan: What Is A Sub-Prime Mortgage Loan - 07/16/08 10:42 AM
With all of the talk in the news lately about the decline of the United States economy and the real estate market many have been hearing the term “sub-prime mortgage. But what is a sub-prime mortgage? And considering all of the negatives associated with such a mortgage product are there any … (0 comments)
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loan: 7 Realities of Commercial Lending - 07/15/08 11:25 PM
7 Realities of Commercial Lending
1) Nothing is set in stone! Although commercial loans are based on the statistical mathematical equations that deal with whether or not the client will be able to consistently make his mortgage payment. It is also based on how the lender feels about the project. What … (4 comments)
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loan: FHA Best Bet - 07/15/08 02:50 PM
FHA allows buyers with scores below 700 to purchase homes. In the current mortgage credit crunch, FHA may be the best bet for first-time home buyers. First-time home buyers are defined as anyone who has not owned a personal residence in the last three years.
Another factor making FHA a viable … (0 comments)
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loan: Federal Government Makes Moves To Secure The Canadian Housing Market - 07/15/08 02:08 PM
In a news release on July 9 2008, Ottawa announced that Federal Government will stop guaranteeing mortgages over 35 years along with mortgages requiring more than 95% financing. Although these regulations don't take affect until October 15 2008, some lenders have all ready stoped issuing mortgages with 40 year amortization as … (0 comments)
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loan: Polk City lot, Right off I-4 - No impact fees - Florida - 07/14/08 09:18 AM
4309 Coyote Trail, Polk City, FL 33868 - in the Country Trails subdivision.
This lot had a big double wide on it a year or so ago. This means the septic, power, city water, tie downs . . . . are all ready and waiting!
Best of all NO IMPACT FEES!
It's … (0 comments)
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loan: 2009 EPA compliant? Need financing to get there? - 07/12/08 09:09 AM
If you own a convenience store with gas service, you know the clock is ticking on being EPA compliant by 2009.
Waiting could make this expensive proposition cost even more.
If you need to finance the heavy cost of upgrading your business, give Rebecca a call at Schrader Inc. - 863-229-1235
We … (0 comments)
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loan: Subprime Borrower Rescue - We Can Refinance You Now - 07/11/08 11:00 PM
If you have a subprime loan that's about to reset, or has already reset, or you owe more than your property is worth, we can refinance you, and allow you to keep the home. Don't miss the opportunity. Dec. 31 is the deadlilne to apply. Call Marie now 858.693-5404.
… (0 comments)
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loan: Renovating the FHA 203(k) Way - 07/11/08 03:17 PM
With so many home foreclosures and short sales on the market that are in need of "TLC" or a "Handyman's Touch" and with 100% financing virtually gone the way of the Do Do, many first time and lower income home buyers who want to take advantage of the buyer's market by … (6 comments)
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loan: Risk-Based Premiums for FHA Mortgage Insurance - 07/11/08 11:11 AM
Effective with new FHA case number assignments on or after July 14, 2008, FHA will implement risk-based premiums on one- to four-unit single family mortgages. The premium matrix is shown below, replacing the premium matrix in Mortgagee Letter 00-38, which identifies the current mortgage insurance premiums for FHA's single family programs.
… (0 comments)
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loan: We Offer Commercial Finance Training At Its Best! - 07/11/08 02:32 AM
Welcome to the CommercialTrainers.com Business Library.
The CommercialTrainers Business Library gives you access to advice and training from the experts that will give you ideas on Marketing your business, Selling your commercial loan products and services, growing your business and personal growth.
We also offer Live Commercial Mortgage Training to learn more … (8 comments)
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loan: So What Is A USDA Rural Home Loan? - 07/10/08 03:16 PM
When you think of USDA I know the first thing you think is HOME LOAN FINANCING! Right? Actually, if you're like most Americans you probably think of Milk, Cows, Pigs, Corn, Farms and a beautiful farm house. Anything but mortgages.
Rural, really isn't all that rural. Here is a picture of … (0 comments)
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loan: Check out the "health' of your lender - 07/10/08 10:31 AM
For home buyers, the mortgage process can be very difficult. But many people are working on loans for a purchase or refi when suddenly their loan officer or bank is out of business. I would suggest researching whoever you go through to make sure you wont be stuck in a lurch. … (0 comments)
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loan: Temporary waiver of certain part of FHA property Flipping rule - 07/10/08 05:37 AM
HUD will now allow all mortgage lenders tosell foreclosed property with FHA financing without regard to the date theyacquired the property. Previous to this, only Federally chartered banksand credit unions and the GSEs (FannieMae and FreddieMac) and HUD were allowthis exemption.Please be aware this does not apply to private investors or … (0 comments)
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loan: Need help deciding between a 15 or 30 year Indiana mortgage? - 07/08/08 03:16 PM
As you begin the process of buying a new home, there will be several financing decisions that you will need to make.
One of them, is whether you will get a 15 or 30 year mortgage. There are pros and cons of both.
In a 30 year mortgage you have 30 … (0 comments)
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loan: What is DPA? - It is Downpayment Assistance! - 07/08/08 10:34 AM
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WHAT IS DPA?
FedFunds DPA is a taxable grant program. Downpayment assistance is provided to buyers purchasing a business, commercial or residential property. Equity from the seller's business or property is converted into cash given to the buyer for downpayment funds. The available amount of equity is the … (0 comments)
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loan: NEED TO MAKE COMMISSION FAST? HELP ANY DOC "MAKE THE GRADE" www.fakepaycheckstubs.com - 07/07/08 12:12 PM
CREATE PAYSTUBS INSTANTLY
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FINALLY, A COMPUTER PROGRAM THAT WILL MAKE PERSONALIZED, PRINTABLE, PAYCHECK PAYSTUBS INSTANTLY! THIS EASY TO USE COMPUTER PROGRAM WAS CREATED FOR THE SMALL BUSINESS OWNER IN MIND! ANYONE PAID VIA DIRECT DEPOSIT CAN NOW PROVE THEIR OWN INCOME FAST! USE THIS SMALL BUSINESS PAYROLL SOFTWARE TO: … (0 comments)
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loan: Can I Get 100% Financing? - 07/07/08 08:55 AM
______________________________________________________________________________________
CAN I GET 100% FINANCING?
YES! THE PROCESS IS SIMPLE
Purchase a FedBank Account.
Apply for a loan with Bancofino.
Sign up for DPA training.
Complete your DPA documents.
Confirm property equity.
Use DPA Calculator to verify results.
Sign loan, DPA documents and close your loan.
All transactions must … (0 comments)
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loan: http://www.fakepaycheckstubs.com small business payroll software program template paystub creator! - 07/05/08 01:49 PM
ANYONE PAID VIA DIRECT DEPOSIT CAN NOW PROVE THEIR OWN INCOME FAST!
USE THIS SMALL BUSINESS PAYROLL SOFTWARE TO:
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This Easy To Use and Understand Computer Software Makes Printing Out a Paycheck stub a Breeze! Simply Input the company name (with company logo if desired), name of employee, hourly salary, and how often the "employee" … (0 comments)
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loan: Lakeshore Villa / Condo $39,900 - Lake Wales Florida - 07/05/08 08:49 AM
We'll miss our weekend home!
By my 1 bedroom 1 bath villa, completely furnished only $39,900!
Lake view, quit, perfect for retirees! Just outside Lake Wales, Florida and only minutes from Disney.
Truly the best value in Real Estate! Why rent when you can own for less?
Financing available - call Randall … (4 comments)
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loan: TRUSTEE'S SALE: What if the Trustor is unable to reinstate their loan?! - 07/04/08 05:19 AM
If the trustor is in default and by chance unable to reinstate their loan, a Trustee's Sale is held, and the format is similar to that of a public auction.
It is held in the county in which the property is locates;
The sale may be postponed before completion ( at the … (2 comments)
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loan: Quick Tips for Getting Started on Your Indiana Refinance - 07/01/08 03:07 PM
Quick Tips for Getting Started on Your Refinance
When you refinance your existing mortgage, you are essentially paying off the existing mortgage debt and replacing it with a new loan. Many of the same costs are involved in refinancing a loan as are in first-time financing.
To start with, the lender … (0 comments)
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loan: Credit Tips to Score a Lower Interest Rate on Your Indiana Mortgage Loan - 07/01/08 02:31 PM
In a mortgage lender's eyes, a good credit score translates into lower interest rates for home-shopping borrowers. The higher your score is, the less risk you are, and the more likely it is you will pay off your debt. For this reason, borrowers with lower scores usually end up paying higher … (0 comments)
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loan: Understanding the Home Appraisal Process - 07/01/08 02:11 PM
Consumers are often baffled by the home appraisal process. They feel their nest is worth a certain dollar amount, and therefore, the appraised value doesn't make sense to them. It is important to know that appraisal guidelines are dictated by the lenders. In many states, the lenders must disclose the … (0 comments)
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loan: Lafayette & West Lafayette Indiana - How Much Money Should You Borrow? - 07/01/08 11:52 AM
While it might be tempting to borrow whatever amount of money your lender is willing to give you, it's important to think carefully about how much you'll actually need to borrow in order to purchase a new home. From the down payment to taxes to insurance and interest rates, there are … (0 comments)
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loan: Convenience Store Loans / Gas Station 2009 EPA Compliance Loans - 07/01/08 08:49 AM
If you own a convenience store with gas service, you know the clock is ticking on being EPA compliant by 2009.
Waiting could make this expensive proposition cost even more.
If you need to finance the heavy cost of upgrading your business, give Rebecca a call at Schrader Inc. - 863-229-1235
We … (0 comments)
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loan: About ready to Lose Your Home? Need a Loan? Lost your Job? www.FAKEPAYCHECKSTUBS.com Helping you get through your rough times! - 06/30/08 03:25 PM
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loan: DOWNSIZING ACROSS THE MAP - 06/28/08 04:07 PM
According to the U.S. Department of Agriculture, Food Price Outlook for 2008 for all food is projected to increase 4.5 to 5.5 percent, as retailers continue to pass on higher commodity prices, for beef, poultry, eggs, dairy, fruit, vegetables and wheat, and energy costs to consumers.
Cathryn Creno of the Arizona … (1 comments)
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loan: Do you have questions in regard to pre approval and mortgages? - 06/27/08 04:27 PM
Mortgage Information
Do you have questions in regard to pre approval and mortgages? A.T. REAL ESTATE SPECIALISTS can help by putting you in contact with professional licensed mortgage professionals. They will give you the current bank rates which change weekly. They will guide you and find for you the best loan … (0 comments)
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loan: Personal Installment Loans - 06/27/08 01:20 PM
Whenever you need to get a little bit of money in your pocket, a personal installment loan can help you to achieve that. The reason why these are so attractive is because you can borrow a chunk of cash at one time and then pay it back over a period of … (2 comments)
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loan: Gorgeous 3 BR Walkout - Isanti, Minnesota - 06/27/08 01:13 PM
… (3 comments)
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loan: My latest "Short Sale" adventure. - 06/26/08 10:36 PM
My clients (buyers) made an offer on a home March 10th. They were qualified for the purchase with 5% down. We didn't get an acceptance from the bank until May 2nd. By this time-with all the lenders continuing to have stricture & stricture qualifying guidelines - they were no longer eligible … (2 comments)
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loan: Mobile Home Financing? - 06/24/08 11:22 AM
Single Wide, Double Wide and any age! I've been doing this a long time and have the expertise necessary to get it done right.
Purchase or Refinance - call with your scenario and we'll get it done for you.
I was limiting myself to Central Florida, but with the lack of … (0 comments)
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loan: Lakeshore Villa 1 b/1b For Sale by Owner - only $39,900 - 06/24/08 09:30 AM
We'll miss our weekend home!
By my 1 bedroom 1 bath villa, completely furnished only $39,900!
Lake view, quit, perfect for retirees! Just outside Lake Wales, Florida and only minutes from Disney.
Truly the best value in Real Estate! Why rent when you can own for less?
Financing available - call … (0 comments)
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loan: Insider Secret - How to get the BEST Mortgage Rate In Any Market - 06/24/08 01:49 AM
Have you ever wondered how to get the best mortgage rate in ANY market? Watch this short 3 minute video and I'll share with you the #1 industry insider secret on how to get the best rate in any market...
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Paul DunnTucson's #1 … (0 comments)
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loan: Check out the Llenrock Blog - 06/23/08 12:55 PM
Check out the new blog that I am contributing to at http://llenrock.blogspot.com. It covers all types of commercial real estate trends, news and issues and we're always open to receiving comments, feedback, and ideas for future posts. … (0 comments)
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loan: Single Wide - mobile home financing? - 06/23/08 10:11 AM
100% Financing on a Single Wide!
I just helped a veteran buy a single wide mobile / manufactured home with 100% financing and 6% seller concessions!!!!
FHA loans still require a 2.25% down payment, but the FHA will allow the seller to contribute 6% toward the buyers closing costs, pre-paid interest … (2 comments)
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loan: When paying bills can hurt your credit !!! - 06/20/08 05:17 PM
When paying bills can hurt your credit Settling some old debts can actually harm your credit score. Here's how to do the right thing the right way.Cynthia worked hard to improve her credit scores. She was careful to pay her bills, including an auto loan and a credit card, on time … (4 comments)
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