The New Year is Upon Us. Make '2012' the Year of YOU!
Great advice for anyone wanting to buy in the new year! I would hate for any of my clients to have an interest rate higher than 5% in the coming year if it makes sense for you to refinance. If you are in this position, you owe it to yourself to work on a refi or a purchase in 2012!
The New Year is Upon Us. Make '2012' the Year of YOU!
The headline reads ...
Average 30-year mortgage rate a record 3.91 pct.
Average rate on 30-year fixed mortgage falls to record 3.91 pct., 15-year flat at 3.21 pct.
And yes ... this means if you're one of those that have earned good credit scores, you could receive this record low interest rate for your mortgage.
Remarkable, isn't it?? And to just prove how very remarkable it is ... I tell you, I've been in the mortgage business for 35 years and when I started out back in the mid-1970's, the average mortgage rate was in the 6% range. Again I say, remarkable!
But this post isn't really meant for those that have good credit scores. (Although I hope you read it and take action to contact me too!) No, it's message is meant especially for those that DO NOT have stellar credit or credit scores ...
Why? Because perhaps even MORE remarkable than this much-broadcasted historical low rate ... is the prediction by many top financial analysts that these rates (or something close to them) are projected to last well into the New Year of 2012. And THAT means that even those without good credit scores presently may have time to improve their scores and still take advantage of good rates in the near future.
I call THAT extremely remarkable too! Perhaps even more so.
So here are my questions for you: Does that sound like YOU??? And if it does describe your present credit scores ... and you hope to buy a home someday ... what are you going to do about it?? Are you going to remain on the sidelines and let this unbelievably good opportunity slip through your fingers??
The New Year is upon us. Does YOUR New Year resolution for 2012 include improving your credit habits and credit scores? Does your resolution include the possibility of a new home? Home OWNERSHIP to fulfill your dreams?? If so, NOW is the time to act.
As the old saying goes, "A journey of a thousand miles begins with a single step". Improving your credit is a journey. Take that single step by contacting me now ... or your mortgage lender ... to get started on your personal journey to credit improvement or repair for 2012. And I say that whether your future holds the wish for a new home, home ownership, or just better opportunities for employment, better insurance rates, improved cell phone costs, or any of a hundred different ways your life can improve with better credit scores.
When you can save money ... When you can improve your life ... When you can make life easier for yourself by taking this important step ... When you can fulfill your dreams ... WHY wouldn't you? WHY aren't you??
It's so easy to do. So very easy to get started. ONE phone call, or email, or text ... I'm that close and that easy to contact. Reach out. Send me your request. Call. Text. Click this button. Make 2012 the year you ACT. Reach out to me however is most easy or convenient for you and get started. Credit improvement does take time to accomplish. And although they say these fantastic interest rates are going to hang around awhile, that amount of time may be needed to make the improvements required.
Don't lose out and be sorry later! You owe it to yourself to inquire, to ask questions, to take action. Let's get started together on those credit improvements today. I'll be glad to hear from you ...
Gene Mundt, Sr. Vice President
Personal NMLS #216987
Chicago Bancorp NMLS # 63483
1823 Centre Point Circle, Naperville, IL 60563
Now on Skype! 630-219-1316
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