first time buyer: I WANT to buy a home now! Are you willing...? - 03/28/11 06:03 AM
Often we hear clients call our office telling us what they want.... we often explain to them that in-order to get what they want they NEED to take some actions that will allow us to get them what they want... the problem is many are not listening to what we've just shared with them which ultimately will cost them in the long run!
Gone are the days when mortgage brokers and originators across the country would have access to mortgage lending products that would allow anyone to get a mortgage. Many of these renters have had friends and relatives get mortgages … (3 comments)

first time buyer: THE SECRET FOR BUYING A HOME! - 02/10/11 02:42 AM
The truth is there is NO secret! The simple fact is that lenders and the government have not changed the areas of focus, income, credit, and -..... They have just increased standards for approval. They no longer are willing to accept borrowers who have not demonstrated the ability to manage the responsibility of owning a home and all the problems that occur when doing so. They do not want to be calling up a borrower shortly after a borrower has obtained a home wondering where the mortgage payment is....they want to feel very comfortable that if they sat yes and approval … (0 comments)

first time buyer: New SUBPRIME LENDER's!!! - 01/03/11 06:55 AM
For those of you who didn't know there's been a few new SUBPRIME LENDER's in the game! That's right a few! Two to be exact!
They've been around for a long time and no one would have ever consider that SUBPRIME LENDING would ever rear it's ugly head again, but it's here.
Fannie Mae and Freddie Mac....
Ever since the two mortgage giants were taken over by the federal government we've seen good attempts at resolving the past problems... with people who have no clue of what they are doing.
Example: (The government first put blame for the mortgage meltdown on … (0 comments)

first time buyer: Buy a home, Guarantee!!! - 12/28/10 01:51 AM
Want to buy your first home, or have a client wanting to buy a home but for some reason there is a problem with credit, down-payment or closing costs? If so and you really want to buy a home, then this is your Guarantee!!!!
Mortgage Services, Inc. has been providing lending services over the past 25 year period and has designed a program to support those who really want to own a home. If you can't get approved quickly then our UNIQUE RENT-2-PURCHASE PROGRAM can help guarantee your home-ownership dreams come true!
Don't wait, call today 1.800.922.3210 ext 112
It's your … (0 comments)

first time buyer: WHAT'S YOUR NEW YEARS RESOLUTION? - 12/20/10 07:15 AM
For many renters, buying their first home will be their New Years Resolution.. for real estate and mortgage professionals, it will be just surviving this coming years continued economic environment. Which ever it might be getting in the game and working towards your goal or goals is the important thing!
Many times I've seen homebuyers who are very close to achieving their goal of home-ownership, just give up because they don't believe it will happen... and other times I've seen real estate and mortgage professionals do the same... the truth of the matter is that it takes persistence and determination to get anything that's worthwhile in life. … (0 comments)

first time buyer: Watch out for the DEAD...Line..... - 03/13/10 05:54 AM
Watch out for the DEAD...Line.....
The $8,000 first-time homebuyer tax credit program is set to expire in April.  Homeowners who are looking to take advantage of this tax credit must be under contract on a home by April 30th 2010 in order to qualify and also must close on the home by June 30th, 2010 to receive the credit.
We have not heard of any indication to date (03-14-2010) that the government intends to or will extend this credit. We anticipate that in the upcoming weeks that there will be much talk on the subject and hope they do consider extending it, however in the … (0 comments)

Ronald A. Giannamore (Mortgage Services, Inc.) Rainmaker large

Ronald A. Giannamore

Westport, CT

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Mortgage Services, Inc.

Office: 800(922) 321-0121

Fax: (203) 841-2554

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