HOMEOWNERS

TODAYS FHA RATES:

HOMEOWNERS MUST READ:

WE WILL REFINANCE YOU AT CURRENT MARKET VALUE!!

Example:

Current home value: $200,000

Current mortgages:  $300,000

 

NEW LOAN:  $200,000

New Pmt:     $1,331.oo

Saving you $100,000 in principle!!!

  

Behind on payment? Ok

Notice of default? Ok

Sale Date Pending? Ok

NO EQUITY?? Ok

 

 

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

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

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

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

4. What is your BEST rebate offer?

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

 Thank you!

Xavier Ramirez

Mortgage Consultant

Direct line: 714-369-8824

Fax: 714-845-0009

 

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

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

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

Xavier Ramirez

Mortgage Consultant

FHA Full Eagle Direct Lender

Direct line: 714-846-0503

Fax: 714-845-0009

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

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

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

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

Xavier Ramirez

Mortgage Consultant

FHA Full Eagle Direct Lender

Direct line: 714-846-0503

Fax: 714-845-0009

 

YOU MAY QUALIFY IF:

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


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

Xavier Ramirez

Mortgage Consultant

FHA Full Eagle Direct Lender

Direct line: 714-846-0503

Fax: 714-845-0009

 

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

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

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