Mortgage Lending in AZ and NC

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Mortgage and Lending - Lend Smart Mortgage NMLS#207208 - NMLS 207208
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The telemarketing calls, billboards and radio radio spots all advertise to refinance your mortgage rate before it is too late. Is this all just hype and marketing to get you to call, or is there a true need to get that interest rate and  mortgage payment lowered.  Let me help uncover some of the...
 This will be the fourth loan in the last 12 months that I approved using some sort of down payment assistance.  Even though seller assisted down payment went away using programs such as Ameridream and Nehemiah, HUD has been allowing buyers to use FHA financing with down payment assistance from a...
FHA and USDA Loans could hault come Friday April 7, 2011.  It is important with most of the buyer using these 2 products in Arizona that we do everything possible to keep the government open.   Be prepared for the worse !!!!  Not sure if many of you know, but there is a possible government shutdo...
It was about three and half years ago when the mortgage industry started to scale back on riskier products. Some loan products were put into hibernation until a time when they could bloom again.  Fast forward to the present and  now certain mortgage products are making a  come back. My most recen...
  Looking for another option to lower your mortgage payment?  Here is some solid advice given to me by Joey Almeida with Cambridge Financial.   Another way to lower your monthly house payments, that you might not normally consider, is by reviewing your homeowner’s insurance policy. We find that p...
I have a funny story to share with you that happened to me the other day and thought I would share.  I got a call from my Bank.  As most I do my personal banking with one of the bigger banks here in Arizona.  Without mentioning names and protecting the innocent, here is the conversation that tra...
As we embark into another year, Most of us are always wondering about which mortgage options are available and what kind of rates and fees are tied to those specific products.  So let me share what I think will be the best mortgage options for 2011.                                           Best ...
  If you are looking to buy a home and are having a hard time figuring out where the down payment is going to come from, I wanted share with you 10 great sources that can be used with an FHA mortgage to buy a home with as little as 3.5% down. 1.  Earnest Money Deposit: A lot people don’t think ab...
  How many times do clients have the wrong information about their credit?  All the time! a great colleague of mine John Cannata breaks down the facts.   In the mortgage profession, you tend to see a lot of credit reports. With each transaction, the clients credit is pulled and reviewed with them...
Today I get a google alert to my phone and what pops but the the following news wire:  Fulton Homes Cautions Buyers: Foreclosures Present Peril to Homeowners Now normally, I would of just read this and let it go, but I must admit I have always had a bad beef with most home builders in Arizona and...

Gary Miljour

Mortgage Originator NMLS Licensed in AZ and NC
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