refi: Mortgage Market Update - 5/15/08 - 05/15/08 10:02 AM
In the news today, Jobless Claims are up for first time applications ot 371,000. Economists had predicted it would increase to 370,000. Typically when Unemployment is up the stock should be down and the bond market should be up. Not always the case as Unemployment is a "lagging" indicator so the … (3 comments)
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refi: Do you think it is difficult to get a mortgage? - 05/14/08 01:42 PM
Getting financing is NOT what it used to be. With the fallout in the sub prime market it has effected virtually all borrowers. There is some alternative solutions available. If you can go full doc to obtain a mortgage there is an answer. Both conventional lenders as well as FHA approved … (2 comments)
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refi: Mortgage Market Update - 4/28/08 - 04/28/08 11:06 AM
This week is gonna be interesting. Stimulus checks go out today and there is a hint that the Fed will lower rates at the FOMC meeting on Wednesday. Stocks are trying to rise and the bond market is selling up as well. Yield currently at 3.84%.
Mortgage rates on conventional loans still … (1 comments)
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refi: Zillow Mortgage Marketplace, 3 weeks in - 04/25/08 01:44 PM
The Zillow Mortgage Marketplace is now about three weeks old, so I thought I'd give an update.
What is it?
In short, think of Zillow Mortgage Marketplace like a free, anonymous version of Lending Tree. Borrowers submit loan requests but don't share their name, their SS# or their phone #. Lenders then … (28 comments)
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refi: Great Mortgage, Refi, and Real Estate News! - 04/24/08 03:31 PM
If any of you are looking in the Illinois area to buy a new home, refinance your mortgage, or obtain a loan for a new home, I am able to help you at a huge savings. If you live outside of Illinois, then I can set you up with an agent … (0 comments)
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refi: A re-fi option for home owners in trouble - 04/18/08 06:45 AM
But do not wait too long! MSHDA has started their campaign for the "Save the Dream" product. This is a loan designed to help people who fit the guide lines (income) to re-fi their home. If home owners have a loan ready to balloon out or already has or you just … (8 comments)
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refi: Mortgage Market Update - 4/16/08 - 04/16/08 09:26 AM
Just when you thought I was gone, they pull me back in!
I got back from Vacation (Disney Cruise) and struggling to get above water. I quit my job on Monday (4/14) and Started at my new job the very same day. I am still in the Mortgage Business and barely unpacked from … (1 comments)
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refi: FHA LOANS ROCK!, seriously, they do. - 04/12/08 01:13 PM
FHA loans are going to help us out tremendously in the near future and beyond. I used to do a ton of FHA loans but I have not done more than a handful in the last decade. That is all changing this week for me, I am doing a lot of … (4 comments)
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refi: NO FICO REQUIRED! - 04/09/08 08:24 PM
NO FICO REQUIRED! Our loans typically fall outside the guidelines of traditional financial institutions and sub-prime lenders due to low credit scores (below 500 FICO), NOD's, BK's, limited documentation, cash out and high debt ratios. * 300 FICO = OK * Current Bankruptcy = OK * Current Foreclosure/ Notice of Sale … (0 comments)
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refi: Combine one part FHA loan, one part AmeriDream down payment assistance and what do you get? A no-down-payment loan! - 04/08/08 09:09 PM
Many have been reporting that the age of the no-down-payment loan is dead.
It’s not.
A loan from the Federal Housing Administration (FHA) can get homebuyers 97% of the way there (the maximum FHA loan limit is 97% of the value of the home). And a down payment assistance provider like … (1 comments)
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refi: Mortgage Market Update - 4/3/08 - 04/03/08 12:42 PM
The jobless Claims reported that Unemployment surged last week the highest level since 2005. This news has calmed the Stock Market and all eyes will be on the Monthly Job Report due out tomorrow. Economists are expecting to see 50,000 job cuts. If the report post greater than 50,000 then the … (3 comments)
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refi: Mortgage Market Update - 4/2/2008 - 04/02/08 02:32 PM
Today seems a tad off for me and I apologize for reporting in late. After the stock market surge on Tuesday (+400 points) and better than expected report on ADP Employment number the stock market started out good. Then Bernanke stepped up and mentioned the R Word (Recession) causing the Dow to fall. … (3 comments)
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refi: Waiting to be stimulated by higher loan limits! - 04/01/08 11:53 PM
OK, I have been waiting to be stimulated by the new conforming loan limits and it just isn't happening!
It was signed into law in Mid February and we waited to see when HUD would come out with the new median home values. That happens in Mid March and we get excited for … (3 comments)
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refi: Mortgage Market Update - 4/1/2008 - 04/01/08 12:02 PM
Wall Street starts 2nd quarter 2008 off with a BANG. (And that's no April Fool's joke)
The Dow currently up 295 points on better than expected ISM Manufacturing Index. Economists were expecting this one to fall but the reading posted up to 48.6. (Keeping in mind that a reading under 50 suggest … (5 comments)
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refi: Mortgage Market Update - 3/31/08 - 03/31/08 11:57 AM
Today the Stock market struggles out of the gate and Bonds are up slightly. The Chicago Purchasing Managers Index reported better than expected read on Manufacturing. The report showed that Regional manufacturing was at 48.2 up from 44.5 the previous month. The market was expecting a read of 46.0...signaling a welcome increase. However, … (4 comments)
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refi: Mortgage Market Update - 3/27/08 - 03/27/08 02:15 PM
Nothing earth shattering in the news today. Same talk as usual at Wall Street: Credit Crunch, Meltdown, doom and Gloom. So I thought I would share some of the positive things going in my corner of the world.
The last 5 apps I took this week - were ALL purchases...and get this … (4 comments)
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refi: Mortgage Market Update - 3/26/2008 - 03/26/08 10:06 AM
Stocks open down this morning as investors face bad news from all angles...New Homes Sales down to a new 13 year low in February, Factory orders were down and oil spiked $3 a barrel. On top of that, the proposed $19 million buyout of Clear Channel is not to clear as … (6 comments)
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refi: Mortgage Market Update - 3/25/08 - 03/25/08 11:22 AM
Consumer Confidence at a 5 yr low as Housing Prices drop more than 10% in key markets. The consumer still fears the worse is yet to come with the job market low, pricing rising, and lenders tight on credit. As the prices dropped on homes for sale, the output was only … (7 comments)
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refi: Mortgage Market Update - 3/24/08 - 03/24/08 11:54 AM
Several interesting things going on in the market place today. First, The JPMorgan Chase/Bear Stearns deal, under a lot of pressure from Shareholders and Investors at Stearn, Chase ups the purchase price to $10 a share and agrees to absorb the first billion of loses and then the gov't covers the … (7 comments)
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refi: Mortgage Market Update - 3/21/08 - 03/21/08 07:25 AM
All markets closed today for Good Friday..Banks are open though. This should allow a calming effect and chance to get off the roller coaster ride for a break. After this week, a break is needed. The big talk in the Market is the Dollar and its continual slide. Many worry that … (5 comments)
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refi: Mortgage Market Update 3/20/08 - 03/20/08 11:22 AM
Not much to report today in the market. The Stocks are up 108 points right now...Bond prices are down a tad pushing the yield up and this has already caused a reprice for the worse. Oil falls back down to $100 a barrel...and the dollar tries to climb.
Many predict that the … (2 comments)
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refi: Mortgage Market Update - 3/19/2008 - 03/19/08 09:38 AM
Yesterday was one of the craziest days...much more calmer today. Here is a snapshot of what is going on:Earlier I blogged about Visa going Public...well they broke the record and raised $17.9 billion dollars with the initial Public offering, and will begin trading to day under the symbol (V). Elsewhere Morgan … (3 comments)
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refi: Lead Program - 03/18/08 03:15 PM
I am account rep at a firm that produces exclusive verified mortgage Refi leads. We actually produce leads in many different types of buinsesses but for this website the main useful one is the refi lead. What we do is businesses pay us to generate leads for them, How it works is … (4 comments)
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refi: Mortgage Market Update - Final one for 3/18/08 - 03/18/08 03:15 PM
Okay - this is my last blog post for today and unfortunately it's sparked by a REPRICE FOR THE WORSE again. The stock market surges 420 points and with this the bond market sell off sent the yield to 3.45% just enough to push a small increase in mortgage rates. The … (12 comments)
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refi: Mortgage Market Update 2:30 3/18/08 FED cut rate .75% - 03/18/08 01:35 PM
It's official, The Fed cut the rate by .75% to 2.25%. This is Less than the market (meaning wall street) was expecting. This could cause the stocks to loose a little steam as they were looking for a full 1point. We have repriced our fixed rates only for the better and I … (6 comments)
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refi: Mortgage Market Update 10:39 am 3/18/08 - 03/18/08 09:42 AM
Stocks soar on better than expected reports from both Lehman and Goldman Sachs. Signaled to investors they may weather this storm, however the same thing was said by Bear Stearn so only time will tell. Still awaiting the Fed news but mortgage rates posted out the same as late yesterday - no … (10 comments)
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refi: Mortgage Market Update - 3/18/08 - 03/18/08 07:36 AM
All eyes on the FED this morning as many expect a huge drop in Fed Funds rate...some suggesting more than a point. That would put the prime lending rate at 5% or less...The question remains, Will this spark the economy? Banks are still tight on lending. Especially in the Jumbo sector and … (5 comments)
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refi: Mortgage Market Update - Reprice Improvement 2nd time today! 3/17/08 - 03/17/08 04:43 PM
At 5:25pm today - I received the second reprice for the better. While the improvement was slight - I believe it will be short lived. Tomorrow, The FED will cut the Fed Funding Rate and I am beginning to think it will be dramatic...As much as 1%. How or if this … (1 comments)
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refi: Mortgage Market Update 3/17/08 - 03/17/08 09:34 AM
A lot going on in the market right now. First the big news over the weekend...The Fed cut the discount rate by a quarter and JPMorgan Chase is acquiring Bear Stearn. The Fed's discount rate cut to 3.25% (from 3.5%) should provide banks more ways to obtain short term loans. The … (3 comments)
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refi: Mortgage Market Update - 3/14/08 - 03/14/08 10:09 AM
Today is a great day to lock. By now most of you have received your rate sheets and hopefully they posted lower - I know mine did. Stocks slide on Flat CPI numbers and Bear Stearns possible bail out from the NY Fed and JPMChase. As the dollar continues to weaken, oil … (12 comments)
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refi: Mortgage Market update - 3/13/08 - 03/13/08 03:48 PM
I was out this morning and just now able to post a blog about the market. While I was following the ins and outs of mortgage rates, I regret that I could not post earlier. Yesterday was one of those days I could have locked 10 loans in if only I … (2 comments)
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refi: Mortgage help - Foreclosure help - Save your home and/or equity! Washington - Seattle - King County - 03/13/08 11:20 AM
We want to give home owners facing foreclosure the opportunity to save their home. We have found that 99% of the families in foreclosure want to keep their home. They have no interest in selling their home and they certainly don't want the sheriff showing up with an eviction crew to … (0 comments)
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refi: Mortgage Market Update - Reprice For the better 3/12/08 - 03/12/08 03:33 PM
Rates reprice for the better for the 2nd time today. Interesting to note - The 30 yr FHA fell to 5.5% today...making this a really good day to lock late in the afternoon. Arm loans on the other hand are moving in the opposite direction. The FED injection of $200 billion … (4 comments)
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refi: Mortgage Market Update - 3/12/08 - 03/12/08 09:25 AM
After climbing 417 points yesterday, the stock market takes a breath...mainly on the oil prices inching toward $110...Makes you want to ride a bike to work. Interesting to note that my company repriced rates for the better yesterday at 4:55pm...Rates dropped from 6.25% yesterday to 6.00% on a 30 yr fixed … (9 comments)
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refi: Daily Interest Rate Update - 03/10/08 11:14 AM
The 10 year bond yield is getting better again today but is not reflected in the pricing. Based on rates today on a purchase or no cashout refinance of a primary residence, paying no points, on loan amounts $125,000 or greater and $417,000 or less, at least 20% equity, credit scores above … (0 comments)
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refi: Michigan Mortgage Rates - 03/10/08 10:46 AM
Michigan Mortgage Rates are some of the lowest rates that we have had in years. One bank has a one year ARM that is under 4%. That is an amazing number, but the biggest problem with a loan like that is you will incur 2 sets of closing costs within 1 year. … (0 comments)
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refi: FHA loans are now available in Marin County - 03/06/08 05:09 PM
Assuming that you can find a mortgage broker that can do a FHA loan, today's news should bring some relief. With Marin county getting its conforming loan amount raised from the old $417,000 to $729,500. In the morning meeting I attended, I heard that the rate was 4.75% for full doc … (0 comments)
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refi: Fixed Mortgage Rates Rise Again - 03/05/08 12:27 PM
This a little disconcerting. Mortgage rates for the thirty year fixed rate has actually gone up. This is now three consecutive weeks rates have been rising. Here are the numbers:
Freddie Mac report on Fixed Rate Mortgages
30-year
The 30-year fixed-rate mortgage (FRM) averaged 6.24 percent with an average 0.5 point for the … (0 comments)
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refi: Michigan Mortgage Rates - 03/04/08 02:05 PM
Rate watching is becoming a real common trend with people anymore today, but one thing I will advise people is to proceed with caution when looking to refi, because it is not going to be the easiest thing to do in Michigan. This is in large part because of the housing … (2 comments)
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refi: Evidence of Success - 02/25/08 03:27 PM
I think we all need a refresher course on what each of us does. Here is what I do and if you respond. I would like to know what you do!
I took a loan application 3 weeks ago on an aged couple that their ARM was about to adjust. That a … (1 comments)
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refi: Mortgage Market Update 2/25/08 - 02/25/08 09:33 AM
Stocks and bonds...What will we do... Homes Sales data showing January sales down .04% from December...This was expected. However the stock market may survive today off the talks of Ambac...The bond insurer that is close to reaching an agreement for more capital.Anything goes this week. Watching the Bond Yield (currently at 3.82%) … (0 comments)
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refi: The Refi Shopper - It didn't get down to 4.5% so I didn't refi. What do I do now? - 02/21/08 12:26 AM
If we look over the last 35 or so years we have enjoyed about 3 years where rates are as low as they have been recently. That's the lowest 10% of the modern mortgage era. That's better than 9 out of every 10. I've had customers ask me recently, "Do you … (2 comments)
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refi: To refi or not to refi - 02/20/08 11:23 PM
Like millions of Americans, my 3/1 ARM will reset in 2008. Fortunately, I'm not like the 39% of Americans who bought their home in 2006 -- those people are underwater on their loan. I put 10% down when I bought my house in 2005, but I bought the home that I … (3 comments)
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refi: BankRate.com - 02/12/08 08:53 PM
Web site tip-of-the-day: Do these great interest rates have you thinking about doing a refi? Want to figure out your savings over your current mortgage? Or are you simply interested in becoming a more savvy investor? Check out the BankRate.com web site for easy-to-use calculators, articles on investing, tax tips, trends … (0 comments)
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refi: "I'm sorry, sir, I don't understand what you mean..." - 02/10/08 07:46 PM
A friend of mine was trying and trying to get the current lender to lower his rate, as it had adjusted and was around 10%, although the payments were all timely. Numerous phone calls, and no resolutions. Now you would have to know this individual's personality to truly appreciate this story, … (17 comments)
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refi: Friday Night Lights - 02/06/08 12:47 PM
From the Desk of Rich Hayden - Financial Coach 207 S. Alfred Street, Alexandria, VA 22314 703.773.8409 - o 703.832.6467 - f rahaydenjr@yahoo.com www.richgetsitdone.com Become 100% Debt Free (including your HOUSE!) in as little as 8 Years!I gotta tell ya, I like this show. Now, I'm not a huge fan of … (1 comments)
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refi: Fed Funds Cut -- What does this mean to me? - 01/31/08 11:06 AM
The Federal Reserve cut interest rates again this month in hopes to fend off a recession. While many celebrate this event, it is not always good news for all.
Check out what CNN finance editor has to say >>> What does this mean to me?
Then -- let me know if I … (0 comments)
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refi: What's Happening With Rates? - 01/25/08 12:46 PM
It was this past Wedesday morning, 9:26am. I officially lost my mind. In that moment in time, I saw my 30 year fixed rates dip down to 5% at par. The 15 year was somewhere near 4.5%. I frantically sent a blast email to all my Clients & Realtors. LOCK NOW! … (1 comments)
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refi: Mortgages Now Starting to Seriously Drop - 01/24/08 10:37 PM
Fixed Rate Mortgage Rates Plummet - 30-Year and 15-Year Fixed Rate At Lowest Level Since Spring 2004
According to Freddie Mac website:
McLean, VA Freddie Mac (NYSE:FRE) today released the results of its Primary Mortgage Market Survey® (PMMS®)
1. 30-year fixed-rate mortgage (FRM) averaged 5.48 percent down from last week when it averaged 5.69 … (0 comments)
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refi: VA Interest Rate Reduction Refinance Loans (IRRRL) - 01/19/08 02:52 PM
This is an awesome refinance program for clients with VA mortgages on their primary residence. With rates currently in the 5% range this product has lots of advantages. No appraisal required. With home values declining this is a great feature. No credit report required. With credit guidelines getting more restrictive this is … (0 comments)
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refi: Annual Mortgage Reviews Bring Borrowers Closer to Achieving Financial Goals - 01/18/08 08:49 AM
Yearly reviews are a great way to keep on track with your financial goals. You're probably already meeting with your financial advisor and other asset manager for quarterly or annual reviews, and you should do the same with your Mortgage Planner as well. An annual mortgage check-up is an ideal way … (0 comments)
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refi: Rates are Getting Crazy!! - 01/16/08 01:52 AM
Everytime the Stock market gets hit, Mortgage Rates go down. For the first time in 2.5 years we are able to break through the 5% barrier. I have been up until 2:30 am locking in loans!! These 7/1 ARMs at 4.875% are a big seller!!
WE CURRENTLY LEND IN GA, FL, … (0 comments)
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refi: Realtors find it rough going, but there is hope!...I think - 01/15/08 02:37 PM
This was the scene, just last week when a realtor friend of mine in NC went into the office to put her license in referral. She said she was shocked to see that there were already twelve agents in front of her, all doing the same thing due to lack … (3 comments)
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refi: Florida Foreclosure * Lee County * Fort Myers * Cape Coral * * Short Sale * - 01/14/08 04:29 PM
Joe Kendall Realtor with Sandals Realty 239-560-0726 http://joek4realestate@aol.com writes, I have been doing some reading and studying the impact of Bank of America's buy out of one of the largest Residential mortgage lenders in the country Countrywide Home loans. Based on everything I am reading it looks very favorable that Bank of America will be very motivated to get … (0 comments)
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refi: Save on Your Home Loan - 01/11/08 12:37 PM
Save on Your Home Loan By Frank SchiefelbeinYou may be aware that by refinancing you may be able to reduce your monthly mortgage payments. However, you may not realize that by using your mortgage as a financial tool, you can save big money and build more equity in your home. Now, … (0 comments)
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refi: Federal Reserve -- Interest Rate Cut? - 01/10/08 03:16 PM
OK, so do you think the rates will be lowered again? I say YES !... what will this do to the mortgage and real estate markets? As well as the refi's. One should ponder on their next steps. Ahh.... I can HELP YOU. Give me a call and I can help … (0 comments)
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refi: To Refinance or to Not Refinance? That is the question. - 01/07/08 07:59 PM
Here are my simple rules to determine if you should refinance....Do you have an adjustable loan?...Is your rate currently adjusting or will begin adjusting within 12 months?...Do you want to reduce the rate and or length of your loan? ...Do you want to lower your payment?...Do you pay PMI/MIP/LPMI and you … (0 comments)
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refi: Cape Coral * Fort Myers * Lehigh Acres *Florida Foreclosure * Bank Short Sale - 01/07/08 11:00 AM
2 bed 2 bath Pool home 3 bed 2 bath built in 2006 3 bed 2 bath waterfront, pool Yatch Club Area $139,900 Southwest Cape Coral $139,900 Cape Coral 199,900 Sold $182,500 Joe Kendall Realtor with Sandals Realty http://mailto:Joek4realestate@aol.com 239-560-0726 regarding Fort Myers, Cape Coral, Lehigh Acres Florida real estate, Joe writes; I have received a lot of calls lately … (0 comments)
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refi: Florida Foreclosures * Florida Bank Short Sale! . Cape Coral Florida - 01/04/08 04:29 PM
Cape Coral Florida Bank Pre-foreclosure short sale! Who says SHORT SALES never close or the banks will not deal? Listed and Sold by Joe Kendall, Realtor with Sandals Realty ! Looking to sell your home? Looking for a great deal? Call Joe Kendall Today 239-560-0726 Joe Knows Short Sales! Joe sells Cape … (0 comments)
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refi: Refinance your home today! - 12/29/07 08:34 PM
Refinance Today!!!
Take advantage of programs that will help you:
Get a Fixed Rate
Get Cash Out
Home Improvement
Second Home / Investment loan
Lower Monthly Bills
Also you can take advantage with a no income or asset verification loan
Lock in a low rate … (0 comments)
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refi: Get Out Of The Way! - 12/27/07 09:03 PM
Today (12.26.2007) marks the launch of my blog. This blog, in conjunction with my video blogs (which will also be posted here), my quarterly paper newsletter (email me @ rahaydenjr@yahoo.com to get on my list) and other communications are resources for you to use freely as you put your financial house … (3 comments)
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refi: Mortgage Acceleration Software - 12/26/07 03:40 PM
I have been comparing the different Software programs using a HELOC 2nd and a Software designed to help you accelerate your mortgage and debt pay off period.The concept originated down in Australia over a decode ago. It uses a Heloc as a checking account. You put your income into the heloc and … (8 comments)
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refi: Tax Break for Mortgage Debt - 12/22/07 10:37 PM
… (1 comments)
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refi: FHA Streamine Refi's are back!! - 12/11/07 10:40 AM
With this recent drop in rates. FHA customers can get a no-cost, non-qualifying, FHA refinance at approx 6.500%.
These have really started to flood in, please remind your FHA customers that FHA Streamline Refi:
* Are no cost, and no closing costs added to loan.
* Do not require an appraisal, no worry if the market has come … (1 comments)
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refi: FHA Secure is saving people from their adjusting ARM home loans. - 12/04/07 11:06 AM
Attention Homeowners with ARM Loans!
I am excited to announce the FHA Secure program. Home America Mortgage is committed to helping home owners keep their homes. FHA Secure allows borrowers who have ARM loans get into a new FHA fixed program. This program is very flexible and even helps those that have had … (0 comments)
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refi: Networking - 11/26/07 10:50 AM
Looking to sit down with Real Estate Brokers and Mortgage Professionals and see how we can work together and increase productivity. Please call me or email me anytime.
Email: kag@gtrlaw.com
Office: 401-739-2020
… (0 comments)
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refi: A Refi after taking your home off the Market? - 11/20/07 02:12 PM
You may be suprised to find out that you will have to wait 3 months to refinance your home after pulling it off the market. This is a new change that is getting some homeowners into trouble. The investors are pulling back accross the board. Just something to be aware of.For … (6 comments)
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refi: Jumbo Mortgages are back - 11/19/07 09:52 AM
When the subprime meltdown occoured, subprime mortgage weren't the only thing to melt down. Jumbo mortgages took a major hit. they went from the high 6's to the low 8's. They moved back again and how. You can now get in the low 6's again. One of the wholesalers we use … (1 comments)
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refi: Fed Rate Review - 11/17/07 02:17 PM
"I CAN SEE CLEARLY NOW, THE RAIN IS GONE..." Johnny Nash hit number one on the charts with this classic tune in 1972...and 35 years later, Fed Chairman Big Ben Bernanke is singing the same tune, mentioning in comments last week that the Fed would be more transparent so we … (0 comments)
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refi: The 12 Most Common Mistakes New Home Buyers Make, & How To Avoid Them - 11/06/07 01:19 PM
The 12 Most Common Mistakes New Home Buyers Make ...
and How to Avoid Them
"It's much easier to cross a mine field when you know where the mines are. By knowing the common mistakes that most people make when buying a home you can save yourself time, money and a great … (2 comments)
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refi: When to Refinance - 11/05/07 03:26 PM
It is expected that 2 million mortgages will rise by the end of 2008. If we were in a seller's market, then home owners would have nothing to fear. However, since we are in a buyer's market, home owners have much to fear. If your loan is set to adjust, here … (0 comments)
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refi: San Jacinto California homes for sale, Call me for all of your real estate needs.(619) 446-6772 Piper Mortgage & Real Estate - 11/01/07 05:10 AM
… (0 comments)
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refi: WATCH OUT Snohomish County Washington! YOUR Adjustable Rate Mortgage May Be Due To Adjust Soon! - 10/26/07 03:42 PM
Many folks in Snohomsih County Washington have completely forgotten they have a mortgage that will soon require a dramatic increase in monthly payment. They have forgotten that their home loan has a 2, 3, 5 or 7 year fixed rate period and then . . . WHAM! For instance, if your … (1 comments)
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refi: Treasuries Fall as Gains in Global Stocks Curb Demand for Debt - 10/23/07 09:42 AM
U.S. Treasury notes declined for a second day after global stocks gained, reducing the appeal of government debt. U.S. stocks rose after earnings reports from Apple Inc. and American Express Co. eased concern that the housing slump has curbed consumer spending.
Don't pay the mortgage, but make sure you get that new … (2 comments)
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refi: Getting a FSBO appointment - 10/08/07 03:40 PM
For those of you who just love to get on the phone, there is a way to call FSBO's and get appointments without ending up feeling beat-up and bloody. You know that the lure or bait that we often use in the lead generation two-step ads is a "Free Special Report". … (0 comments)
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refi: Basic Direct Marketing Formulas-measure the results in order to determine their profitability - 10/08/07 02:29 PM
These formulas are used to measure the results of your various programs and campaigns. You need to measure the results in order to determine their profitability. If you make money - keep it. If not, ditch it. You cannot know, for sure, which is the case unless you measure the results.
1. … (1 comments)
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refi: Interest Rate Snapshot October 8, 2007 - 10/08/07 08:23 AM
Posted October 8, 200730 Year Fixed 6.07%15 Year Fixed 5.70%5/1 Arm 5.89%30 Year Fixed Jumbo 6.85%5/1 Jumbo Arm 6.43%Thank You to Bankrate.com for providing the rates!Thank you for visiting, and have a safe and happy week! Liane Thomas, REALTOR(R)Serving Southern California Counties of Riverside and San Bernardino(951) 454-3805Visit any of these webistes … (0 comments)
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refi: How to target online traffic to your web site - 10/03/07 02:59 PM
Do you know what it means to Target Your Market on the Internet? And if so, have you taken the steps necessary to drive the right traffic to your site? Here are four steps to get you started.
1. Realize most of your site traffic will come from buyers -- which means … (2 comments)
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refi: Processors...Order Title and Escrow Nationwide with one point of contact! - 10/01/07 11:18 AM
Order Title product all over the United States with one point of contact! We service all CA Counties! This National Lenders Division services 49 US States. We have the personnel, experience, resources, and contacts to service all of your Title & Escrow needs Nationwide! On-Line Ordering is quick and easy! It only takes two minutes to order Preliminary Reports and … (0 comments)
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refi: Open Title On-Line / 49 States - Refis / Commitments & Preliminary Reports - 09/25/07 12:08 PM
This is a National Lenders Division servicing the local Sacramento County area & 49 US states. If you have clients all over the United States, we are a perfect match for you! We are able to offer Title & Escrow Services all over the US.
We service all CA Counties! Some of our clients choose to use us … (3 comments)
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refi: How to Find All The MOTIVATED HOME BUYERS You can Handle! - 09/25/07 11:05 AM
… (1 comments)
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refi: Quick Tips for Getting Started on a Refinance... - 09/17/07 06:05 PM
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 will need personal information to verify employment for you … (0 comments)
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refi: Mortgage Master is approved for FHASecure - 09/07/07 07:40 PM
I just received our Mortgagee Letter from HUD announcing the details of FHASecure, the program designed to help home owners with non-FHA ARMs that have adjusted (reset) and are falling delinquent on their payments. Since Mortgage Master, my employer, has been an FHA endorsed lender (a HUD Approved Mortgagee) since our inception, … (1 comments)
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refi: 4 Ways to fight for your home - 08/15/07 02:51 PM
Is your adjustable-rate mortgage getting out of hand? Are changes in income creating financial stress in getting your mortgage paid? What follows are a few tips to consider before things become worse:
1.) Assess your situation early in the game looking for ways to cut back on expenses thereby increasing your income.
2.) … (0 comments)
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refi: Mortgage Soup: Understanding Home Loan Terms - 08/14/07 01:51 PM
Mortgage Soup
Looking for home mortgage loans can get confusing with the alphabet soup of mortgage loans programs available today. Most of these programs are just variations of fixed rate and adjustable rate mortgage loans. These loans can be structured to meet your financial needs, and most are available in 15 … (0 comments)
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refi: Fixed Versus ARM's - 08/14/07 11:04 AM
<!---->Union Savings Bank Phone: 614 339 1256 Cell: 614 849 2214 E-mail: jtumbarello@usavingsbank.com … (0 comments)
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refi: Lee County Florida- Cape Coral Florida- Short Sale & Pre-Foreclosures! - 08/14/07 09:49 AM
Reduced $139,900 call Joe Today 239-560-0726 to make your offer! Now is the time to Buy! The sign of the times in Lee County Florida, But for how long?Joe Kendall Realtor with Sandals Realty Phone 239-560-0726 www.ViewSWFlorida.com writes, The real estate market in southwest Florida is heavy stocked with great real estate … (1 comments)
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refi: Help with Loans - 08/13/07 02:49 PM
We know the market is undergoing dramatic changes right now, yet we can still help you make great money and approve more buyers for more expensive homes with lower interest rates. As a way of introduction we are wholesale loan brokers, which enables us to be much more competitive in the … (0 comments)
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refi: Liz is here to Help =) - 08/10/07 01:09 PM
We know the market is undergoing dramatic changes right now, yet we can still help you make great money and approve more buyers for more expensive homes with lower interest rates. As a way of introduction we are wholesale loan brokers, which enables us to be much more competitive in the … (0 comments)
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refi: We are here to HELP - 08/09/07 09:02 PM
We know the market is undergoing dramatic changes right now, yet we can still help you make great money and approve more buyers for more expensive homes with lower interest rates. As a way of introduction we are wholesale loan brokers, which enables us to be much more competitive in the … (2 comments)
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refi: Welcome to my blog - 08/09/07 03:42 PM
Originally I am from Roanoke, Alabama and moved to southeastern massachusetts from St. Louis 12 years ago. After selling my medical supply company almost 2 years ago I joined with my good friend Thomas Quann, President of Stonegate Mortgage in West Bridgewater, MA. When I started here I may have known alot about growing … (2 comments)
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refi: success ........the only option!!!!!!! - 08/08/07 04:56 PM
after six months of reseach i can absolutely tell you that if you have equity in your home and at least 50 dollars left over after all your bills are paid. YOU CAN OWN YOUR HOME FREE AND CLEAR in 8-11 years WITHOUT REFINANCING. learn more www.stonegatemoneymerge.com/rs for a free analysis on … (6 comments)
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refi: FHA REFINANCING - 08/05/07 09:21 PM
You can Refinance your home and still get low rates. You can refinance your home with an FHA loan and refinance up to 95%,Not to exceed a loan amount of $200500.00. The refinance has to be on your primary residence. Give me a call. I will go over your options with you. … (1 comments)
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refi: What do you mean I CAN't Refi my home???????? - 07/27/07 05:29 PM
For those of us that live in communities with a high concentration of military, and who do a lot of business with military, just a quick warning. If you have listed a home for one of your clients in preparation for them to PCS and it has not sold as they … (5 comments)
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refi: Subprime Mortgage Meltdown Leaves Borrowers Facing Crisis - 07/25/07 01:08 PM
With credit requirements tightening, borrowers have fewer choices in mortgage loans La Mirada, CA—As record numbers of foreclosures pervade the subprime market, lenders are becoming more and more anxious, and as a result, they’re tightening their mortgage loan guidelines. These more stringent guidelines, many of which relate to credit scores, … (0 comments)
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refi: Getting the Best Interest Rate & Best Terms on Your Home Mortage Loan - 07/23/07 11:22 AM
A Qualified Mortgage Consultant Can Help Boost Credit Scores LAFAYETTE, IN - Consumers interested in purchasing or refinancing a home will pay an interest rate based on current market conditions and their ability to pay back the loan. The borrower's income and debt ratios are taken into consideration by the lender, as … (0 comments)
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refi: Why Refinance Back Into a 30-Year Loan? - 07/23/07 11:13 AM
Refinance Your Mortgage for Rate and Payment Reductions Refinance CalculatorHelps you determine if you will benefit by refinancing. Debt Consolidation CalculatorShows you how a refinance can reduce your monthly payments. LAFAYETTE, IN - One of the biggest reasons homeowners refinance their mortgage is to obtain a lower interest rate and lower … (0 comments)
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refi: How to Use Direct Mail for Leads and Listings - 07/17/07 01:52 PM
The are keys to good letter writing. The better the letter or report, the better your responses to that letter or report.
It pays to STUDY the techniques of good direct response letter writing.
1. KNOW YOUR AUDIENCE. Your letter's success really depends on how closely you align yourself with your audience. You … (4 comments)
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refi: When is it a good time to Purchase a Home or to Refinance it in Today's Market? - 07/15/07 09:57 AM
Hello Consumers,The time is now! With so many mortgage products out there and the interest rates are still below 7% with good credit, it's hard to resist. Don't let the media scare you so you miss out on some great buys. The housing market is running very slowly these days and … (0 comments)
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refi: Cape Coral * Lee County, Southwest Florida * Pre-Foreclosure * Short Sale * Pending! - 07/02/07 07:39 PM
3 bed 2 bath built in 2006 2 bed 2 bath Pool Location! 3 bed, 2 bath Waterfront Pool
$ 149,900 $ 139,900 PENDING ! $ 199,900
Cape Coral Florida Real Estate: Bank Pre- Foreclosure Short Sale: Subject to 3rd Party Approval
Joe Kendall Sandals Realty Cape Coral, Fort Myers Florida, 239-560-0726 Call … (0 comments)
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